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

I challenged the validity of a Bankruptcy that's being reported on my most recent credit report. Upon Challenging this, XXXX ( credit Bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian and XXXX  they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information they used to verify this account in writing. If such documents can not be produced I request them to please DELETE this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of a serious issue involving the unauthorized and fraudulent use of my identity. An account has been opened in my name without my consent, and I have no knowledge of, nor have I authorized, any such activity. This is a clear case of identity theft, and it has compromised my personal and financial security.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnish this amount that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5-step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. 

XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am opening a new complaint in response to closed complaint # XXXX since XXXX XXXX has sent me ( 2 ) letters validating my account information. 

In your response to the CFPD complaint you stated A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE Your comment further validates my concerns that the XXXX XXXX ( XXXX ) accounts listed on my credit report do not match the account # s I had with XXXX.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting 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 XXXX XXXXccount XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: Credit card or prepaid card

I signed up for an XXXX XXXX trial using a Citi Rewards+ credit card. XXXX XXXX is a software service that charges {$29.00} per month. 

I cancelled my XXXX XXXX trial before the trial period ended, and should not have been billed. 

Instead I was billed for XXXX straight months, resulting in charges on XX/XX/2022, XX/XX/2022 and XX/XX/2022. I never authorized any of these charges. 

I first contacted XXXX to explain the situation, and the representative I spoke with said they couldn't even locate the account that was associated with the free trial, and that I should not have been billed. They said because they couldn't locate the account using my credit card information, that I should dispute the charges with my bank because I never authorized these charges. 

I disputed the charges with Citi. They removed the late fees and interest but upheld the charges, which makes no sense because I never authorized these charges and XXXX doesn't even know what account is associated with these charges. 

Now I can't even close this credit card because this is outstanding. Citi needs to reverse these fraudulent charges and allow me to close this credit card account to protect me as a consumer from more fraudulent charges from XXXX. The way they have conducted themselves throughout this process is entirely unacceptable and I will never use a Citi product again in my life. 

Please help me reverse these fraudulent charges with Citi and close out this credit card. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX/XXXX  XXXX Balance : {$380.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$510.00} XXXX/XXXX  XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX CO ) XXXX Balance : {$1400.00} XXXX  XXXX  ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Negative Items and Correction of Credit Report Due to Data Breach & Consumer Rights Violations Dear Experian I am writing to formally dispute any and all negative, inaccurate, and unverifiable items appearing on my credit report, as my rights under federal law have been violated due to recent data breaches affecting millions of consumers. My personal information, including but not limited to my Social Security number, has been compromised, and I demand the immediate removal of any and all negative items from my credit profile. 
Legal Basis for My Dispute & Request for Deletion : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : Under 1681i, you are required to reinvestigate any disputed information and remove unverifiable or inaccurate data within 30 days.

Given the multiple data breaches, any derogatory marks on my credit profile must be presumed inaccurate and removed immediately. 
2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : If any negative account has been reported by a third-party debt collector, I demand strict validation as per 1692g ( b ).

Any unverifiable debt must be deleted in accordance with federal law.

3. Consumer Financial Protection Bureau ( CFPB ) Guidelines : Your failure to safeguard my sensitive data puts you in direct violation of the standards established by the CFPB.

As a result, I demand all negative and derogatory entries be deleted immediately.

4. Recent Data Breaches Violation of My Privacy Rights : Due to multiple security failures, my data has been exposed to unauthorized third parties, increasing the likelihood of identity theft.

I invoke my rights under the Fair Credit Billing Act ( FCBA ) and Identity Theft Laws to have all disputed accounts removed.

Immediate Actions Required : 1. Remove all negative, outdated, inaccurate, and unverifiable information from my credit profile immediately.

2. Cease all reporting of any accounts related to data-breach incidents or fraudulent activity.

3. Provide me with a new copy of my updated and corrected credit report. 4. Unfreeze my credit profile if it is currently frozen.

Failure to comply with my request within the required legal timeframe will result in legal action, including complaints to the CFPB, FTC, and my states Attorney Generals Office for willful non-compliance with federal consumer protection laws.

I expect a written response within 30 days confirming the complete removal of all disputed items. Please send all correspondence to my mailing address listed above. NOTICE is now given.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE!! I've asked several times to correct personal information on my report. After filing my 2021 taxes, I believe I am the victim of fraud. There are several inquiries on my report that I DID NOT DO... .Do n't tell me they are a matter of record when I keep asking you to verify or remove inaccurate or outdated information on my report! 

DO NOT RUN ANY INQUIRIES UNLESS I CALL YOU AND ASK TO LIFT THE FREEZE!!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I went on Workman 's compensation with my job at XXXX XXXX XXXX in XXXX, NC. 
I currently am not receiving any compensation from my workman 's comp. claim. 
I haven't received any compensation at all since XX/XX/XXXX. I have a scheduled XXXX meeting on XX/XX/XXXX with my Attorney and my employer, XXXX XXXX XXXX. I feel this is pertinent information to understand my complaint against Mariner Finance. 
Their Collection department contacted me, in particular their employee, XXXX XXXXXXXX XXXX. He introduced himself to me and informed me of my delinquent account and when can I resolve this account which is in arrears. I explained my situation of which I understand this doesn't exonerate me of my obligation to Mariner Finance. The second phone call to me from XXXX XXXXXXXX was when he bullied me, saying that he would take me to Small Claims Court if I didn't take care of this late payment to my Mariners finance account and why did I assume this loan if I couldn't pay it back as agreed? A couple of weeks later a man posing as a Sheriff knocked on my door, and handed me a stapled, 2 page paper, to appear at Small Claims Court. 
This is where I got suspicious, another couple of weeks later XXXX XXXXXXXX called my phone to request a payment and how will I settle this account. I got upset and said that as far as I know when I was served papers to appear in court, that's when it would be handled and I never heard of someone contacting a person, after Court papers, if the court papers are legitimate, are served? I could be wrong and wanted to know if you could validate this for me. I feel that this was illegally handled and XXXX XXXX XXXX XXXXactics are uncalled for and meant to scare and intimidate me? Please help me, as this has never happened to me ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, the XXXXXXXX XXXX account that appears on my transunion XXXX and XXXX credit reports was charged off in XXXX in the amount of {$1100.00}. this account has shown this balance and never changed until XX/XX/XXXX where suddenly the balance changed to {$1100.00}. i have disputed with all 3 credit reporting agencies about this account for inaccurate reporting and each time it is verified as accurate when in fact the balance is not correct. each time the status date on this account has never changed as well so how can the account have properly been investigated? ive also requested proof of the balance as it is my right to have only verifiable information reported against me and it has been to no avail. also the information reported on this account does not match across all three reporting agencies so how could they in fact be properly investigating this matter?? if the information on an account can not be verified it must be deleted from the consumers report. it is a violation to report information on my credit file that is inaccurate and unverifiable. also there are inconsistencies between the agencies reporting this account like payment history does not match, missing payment history, date of first delinquency monthly payment and etc of which errors i have encircled and or highlighted in the documents i have attached to this complaint.. thank you for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2016 ADVANTAGE CREDIT , INC . 
XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX did an hard inquiry on my credit I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and request to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. The bureaus are engaging in a blatant disregard of section 1681 c of the FCRA which states : According to the FAIR CREDIT REPORTING ACT " FCRA '', Section 1681 c ( 2 ) Block of Information resulting from Identity theft Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of ... Appropriate proof of identity of the consumer ; A copy of an identity theft report. The identification of such information by the consumer ; and A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance Owed : {$0.00} XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ADDRESSES TRANSUNION LLC CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEAR SIR/MADAM, UPON PULLING MY CREDIT REPORTS FROM XXXX, XXXX, AND TRANS UNION , I DISCOVERED THAT YOU HAD REPORTED FRAUDULENT INQUIRIES WITHIN MY CREDIT FILE. THIS ACCOUNT HAS PREVIOUSLY BEEN DISPUTED WITH YOUR COMPANY, WHICH ADVISED ME TO CONTINUE THE DISPUTE WITH YOU. MY CREDIT FILE HAS BEEN IMPACTED BY THESE FRAUDULENT INQUIRIES. THE BELOW CREDITORS HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NOR WRITTEN AUTHORIZATION AND HAVE FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. IN LIGHT OF THE FACT THAT THERE IS NO EVIDENCE OF MY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE, I REQUEST THAT YOU REMOVE THESE AUTHORIZED INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY. 
IN ACCORDANCE WITH SECTION 604 OF THE FAIR CREDIT REPORTING ACT, CONSUMER REPORTS MAY ONLY BE USED FOR THE PURPOSES DESCRIBED IN 15 U.S. CODE 1681B IN GENERAL. SUBJECT TO SUBSECTION ( E ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( F ) OTHERWISE HAS A LEGITIMATE BUSINESS NEED FOR THE INFORMATION ( I ) IN CONNECTION WITH A BUSINESS TRANSACTION THAT THE CONSUMER INITIATES.

UNDER 15 U.S. CODE 1681I, PARAGRAPH ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) IN GENERAL. IF, AFTER ANY REINVESTIGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL- ( I ) PROMPTLY DELETE THE FOLLOWING INQUIRIES ARE UNAUTHORIZED : CREDITORS/INQUIRIES DATES APPLIED 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 To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act. 
In order to clear up this matter, I would like to see these inquiries removed from my credit file. If not, then reporting inaccurate information is also a violation of the FCRA under 623 ( a ).

In order to avoid a lawsuit, I request that you DELETE these inquiries from my credit report.

These accounts were not opened by me, and I did not give my authorization for them to be pulled. 
Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

XXXX XXXX XXXX $ XXXX XXXXOpen date Reference # XXXX XXXX XXXX Bankruptcy I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I. Because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match.
Product: Credit card or prepaid card

This is regarding the Bank of America 'AAA ' credit card and policy. I made my payment IN FULL to BofA, so as to avoid interest charges. I try to pay all my cards in full to avoid paying interest. To my surprise, I noticed BofA sent me a statement, for interest due. I called to find out why since I was not late and I paid the balance in full. 

Representative told me, it was their policy to charge for daily interest - during the month that I am holding the bill, so even if I paid the balance in full, and it shows interest and balance amount being paid in full, that does not pay the " hidden '' interest which has been accruing since the bill was mailed out. This is deceptive, and completely different than any other credit card I have ever had in my 30+ years of adulthood. 

Example : XXXX statement, covers XX/XX/XXXX-XX/XX/XXXX. Assumed mailed out XX/XX/XXXX, due XX/XX/XXXX. for full balance due {$1600.00}, including interest charges for XX/XX/XXXX-XX/XX/XXXX. 

If I pay bill by XX/XX/XXXX ( due date ) in full for {$1600.00}, BofA is still accruing interest from XX/XX/XXXX thru XX/XX/XXXX. This interest is " hidden '' and not shown anywhere except on BofA computers. 

Next month, BofA sends a new statement for this " hidden '' daily interest from XX/XX/XXXX thru XX/XX/XXXX, now due XX/XX/XXXX. Even though the balance was paid in full. 

I explained that it will always be impossible to pay the balance in full and avoid interest, unless I call and ask what the " hidden interest '' for the previous 25-30 days was. Rep said the best way is to simply pay the balance in full every  month. Of course that would be best, but on occasion we have to float a balance. When I do, I do expect to be charged interest for holding that debt for another 30 days. But, next month when I pay the new balance in full, I should expect my balance to be XXXX ( just like with all other cards ). But it won't she said, because of the daily interest continuing to accrue while I am holding the statement before the due date. This is not fair, and how can consumers keep track and avoid paying exorbitant interest to banks with these policies? I told her that this is completely different than all my other cards, but she did not seem bothered by that fact. 

I want BofA to change their credit card policy to be more in line with all the other credit banks, and honor a XX/XX/XXXX balance when its paid in full, and not surprise consumers with another interest bill for the hidden interest during the past 30 days. 

I am sure BofA will say, their policy was disclosed to consumers like myself, and I knew what I was getting into. This is usurious and deceptive, because all banks know during the time of gaining credit, this sort of small print goes unnoticed. Especially when consumers are used to banks doing credit business a certain way. This was definitely a new gimmick to me, and I have to believe other consumers have been deceived just as well.