23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX My credit was pulled and I did not authorize your company to pull my credit. I didnt sign a credit application with your company and i would like the inquiry remove. I did not authorize the crooked people at XXXX to use other companies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I made a dispute on the Experian app stating that I have not missed a payment for the month of XXXX. Experian took Four days which was on XX/XX/XXXX to dismiss the case and they deleted XXXX off my credit report and now I have XXXX credit for Experian, due to that I can not open a new credit line, please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Discover has locked me out of viewing my credit card account since XXXX. I have spent several hours on the phone with IT and Discover Bank and no solution has been forthcoming. This has been an issue since a new mandatory program to XXXX XXXX was implemented. They have linked my account to a bank account that is not mine and the software program will not allow me to bypass it to view/ monitor my information or to pay my bill.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX am writing to address significant concerns and harm being caused related to potential violations of the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974 ( 5 U.S. Code 552a ). XXXX XXXX XXXX and the credit reporting agencies XXXX, XXXX and TransUnion are not adhering to these standards. Citing 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Citing 15 US Code 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) the term Consumer Report does not include any report containing information soley as to transactions.

Furthermore according to IRS law, a charge off is considered a certificate of indebtness and is considered income and therefore can not be reported.

If you decide to not update my account then I will be forced to enforce my rights under 12 CFR 1016.7 stating that " A consumer may exercise the right to opt out at any time. ''
Product: Debt collection

I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

ONEMAIN XXXX - The late payments on XX/XX/ and XX/XX/XXXX XXXX  are inaccurate! The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ONEMAINs customer service I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing to formally dispute the inaccurate information listed on my credit report. Under 15 U.S.C. 1681, I did not authorize the release or reporting of my personal information to the companies listed below. This constitutes a violation of my privacy rights as these entities have no legal basis to report any information under my name. 
Additionally, my credit report contains unauthorized inquiries that I did not initiate, which I believe to be a case of identity theft. In accordance with 18 U.S.C. 1028, I do not owe any debt to these companies, and I demand the immediate removal of these disputed items from my credit report. 
I kindly request that this matter be addressed promptly and that I receive confirmation of the removal of these unauthorized entries. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION, DEPT OF EDUCATION XXXX XXXXXXXX XXXX XXXX, XXXX )
Product: Credit reporting

Midland Funding LLC is in direct willful violation of FCRA 623 ( a ) ( 1 ) ( B ) for reporting inaccurate information after notice, and FCRA 623 ( a ) ( 2 ) ( B ) for failing to provide corrections to the consumer reporting agencies. I filed a direct dispute with their Chief Compliance Officer under FCRA 623 ( a ) ( 8 ) ( D ) on XXXX XXXX, 2015 through XXXX I selected the option the dispute the debt, listed all of the identifying information required, and explained that the debt had been settled several months ago ( XXXX XXXX, 2015 ) but that they were incorrectly reporting that the account is still open with a balance. After not receiving an email response in a week, I mailed ( on XXXX XXXX, 2015 ) a physical copy of the direct dispute to the address on my credit reports. Again, including all of the required identifying information, identifying the specific information that is being disputed, the basis for dispute, and enclosed supporting documentation ( release of judgment lien, and settlement letter from Midland 's attorney ). It has been 30 days from my XXXX dispute via their website, and as of today XXXX XXXX, 2015, Midland has not corrected the information in my credit report. This is not " timely '' and Midland has reported the same negative information again since my dispute. I find it absolutely unacceptable that this unethical company knowingly and, I believe, purposely, reports incorrect negative information to credit reporting agencies to damage consumers ' reputation and financial opportunities.
Product: Credit reporting or other personal consumer reports

I received a credit alert from my bank and, capital one, all XXXX credit bureau of a hard inquiry. I have not applied for any credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received investigation results from TransUnion that I totally disagree with, in the letters it described that the accounts I challenged and want remove from my credit report came back as verified and they will not delete from my report. However I was not given any physical proof or validation of the accounts belonging to me, In the investigation results I did not receive original applications or signed contracts bearing my signature showing the accounts are mine. Bureaus are in direct violation of the laws in The Federal Credit Reporting Act, you are required to remove unverifiable accounts that you can not provide physical proof of accounts belonging to some one. I take this matter seriously and I come to find out that the bureaus stated out in their investigation results that a data furnisher verified the information as correct who is this data furnisher verifying information on my credit report? this is against my consumer rights laws, as they are selling my consumer file information to companies without my consent, I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I noticed my credit reports were frozen through Equifax, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention in rectifying significant inaccuracies and unauthorized disclosures on my credit reports held by XXXX and Equifax. These inaccuracies not only unfairly affect my financial standing but also represent clear violations of federal laws designed to protect consumers. 

Specific Concerns : Unauthorized Hard Inquiries : My reports include hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not excluding The credit accounts ; that are being ILLEGALLY REPOTED made without my consent. This violates the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a ( i ).

Erroneous Accounts and Late Payments : Entries related to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX including late payments, need immediate correction. The Truth in Lending Act ( TILA ), 15 U.S.C. 1666 ( b ), protects against unfair billing practices by ensuring accurate reporting. 

Banking Transactions and Unauthorized Disclosures : The inclusion of banking transactions and the reporting of negative information by the aforementioned entities breaches the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, aimed at protecting consumer privacy.

Immediate Actions Required : Removal of All Negative and Inaccurate Information : I demand the immediate removal of all negative and inaccurate information from my credit reports, including unauthorized hard inquiries, erroneous accounts and late payments, and any unjust banking transactions. 

Prompt Update of My Credit Report : Following the removal of inaccuracies, my credit reports held by XXXX and Equifax must be updated promptly to reflect the corrected information within five business days from the receipt of this notice. 

Compliance Deadline : I hereby provide XXXX and Equifax, along with the implicated entities, a strict deadline of XXXX business days from the receipt of this notice to implement these significant corrections and updates. Failure to address these concerns within the specified timeframe will compel me to pursue further legal action to enforce my rights and seek remedies for the resultant damages. 

This situation demands your prompt and serious attention. The actions I am requesting are not only within my rights under federal law but are also critical for rectifying the harm done to my financial reputation. 

I trust that the Consumer Financial Protection Bureau will act swiftly to ensure compliance and uphold the protections afforded to me under federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list- of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX XXXX  Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

in 2010 i just graduated from XXXX and rented a room on a 30 day trial run to see if i could make it as a XXXX. they had a small business which rented rooms to XXXX XXXX and another XXXX. a lady selling credit card machines invited us to all group together to use XXXX terminal and each have a specific number for each of our transactions the lady sat us down all together and verbally told us there were no commitments until 30 days and if we closed after a XXXX period of time the contract would be voided. if i sent her a picture of the empty room in which i did close with in the designated time before i became locked in the contract after the 30 day trial. everyone of us shared the terminal and we returned it within the specified time frame when the salesperson came to see my closed XXXX. i had not had a XXXX and did not even have a rental agreement for the room.which also was on a trail basis.i did n't even meet certain guidelines for even being able to get the offer of a terminal .that 's why she said it was a trail run.because i did n't qualify until i had the correct paperwork and XXXX which i could not afford to do. I was not the only person w a contract and if i did n't use the terminal alone there should be others that can verify the verbal agreement of the trial 30 day term.please try to help.the representative did not tell us the truth when we signed the paper.she said that there would be no problems that she would guarantee us that we were not responsible if we could n't afford to stay open.i could n't even pay for my supplies.why would i obligate myself to a huge contract? and the rep knew that and she still trapped me into signing along with other people who signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the dealership they ran my credit multiple times even though I already had an approval from XXXX on XXXX, XXXX. All these inquires are fraud! I listed them below. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Their is a total of 8 fraudulent hard inquiries on my Equifax credit report. By law they must be removed. Attached is my police report showing I have reported these inquiries and below are other hard inquiries that I did not authorize making them also fraudulent XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and not authorized by me, and please remove these unauthorized inquiries on my credit report. 
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ha

s violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Someone created a debit card and pin number using my information to access my account. They took out {$3000.00} from my account at three different locations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/24 Chase Bank allowed for {$100000.00} to be stolen ( via wire transfers ) from my business account. Even while I was on the phone with a known-to-me employee at Chase at XXXX XXXX and informed her that I had no knowledge of what was happening. I was further instructed by that Chase employee to continue on the phone call I informed her I was on with Chase. I told her they had contacted me shortly before her call about something completely different ( a XXXX XXXX transaction ) and was unsure what to do. She advised I finish that call and call her back after. When I called the employee back she escalated the call and it was then that I was informed they did not believe I was on the phone with Chase at all, but rather hackers. I also found out that at XXXX XXXX, Chase was aware that calls were being made regarding my account with " bad voice. '' They informed me " bad voice '' was their term for " fraudster tactics. '' By the time I made it to the Branch at approx XXXXXXXX XXXX. I was informed that 3 unauthorized transactions totaling {$100000.00} had been removed. Since Tuesday XX/XX/24 I have been unable to file a police report or escalate to anyone outside of Chase as I have been given no information or documentation. I have spent hours at my local branch I the XXXX, NY on XX/XX/24 and XX/XX/24 imploring and begging for answers, assistance and guidance only to be told over and over that they do not know how to help, that I need to wait till I get a letter in the mail that I may then take to the police. Chase was negligent and irresponsible. They did not follow UCC guidelines/law and have not made any attempts to contact me to date. This is 4 days after the fact. Why have they not reached out to law enforcement? They allowed this to happen in real-time. I repeat, I was on the phone with a known-to-me Chase employee as this was happening. I am pleading for help from anyone. I am a single parent who also provides for my elderly mother and Chase has put me in a position where my life is at an XXXX  inducing stand-still and the future of my small business in question.