23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone number : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Personal Information ( Employer ) Dear TransUnion Consumer Relations, I am writing to dispute certain inaccurate information in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). My credit report contains incorrect personal information that needs to be corrected. 

The inaccurate information includes : Incorrect Employer : XXXX XXXX Correct Employer : XXXX XXXX Under the FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate or incomplete information in my credit report. Additionally, entities that furnish information to the credit reporting agencies are required under Section 623 ( 15 U.S.C. 1681s-2 ) to provide accurate information and correct any inaccuracies.

I have enclosed copies of documents that confirm my identity. Please investigate these matters and correct the inaccurate information as soon as possible.

Enclosures : Driver 's license with the correct address Copy of a utility bill, bank statement and auto insurance Please confirm in writing that these corrections have been made and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

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

In accordance with the fair credit reporting act XXXX  account numbers ( XXXX XXXX XXXX XXXX Support ) ( XXXX ) ( XXXX-Capital One ) ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$38000.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$22000.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$950.00}, XXXX XXXX XXXXXXXX Date opened Balance {$2700.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXXXXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$4400.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4100.00}, XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance {$9100.00}, XXXX XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXXXXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$230.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1300.00}, XXXXXXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX Balance {$320.00}, XXXXXXXX XXXX  ( Original creditor XXXX XXXX. XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1600.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$9400.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Credit company " PNC Bank '' is reporting late payments on all 3 credit bureaus. 
dates : XXXX and XXXX year:XXXX. I did not give permission or consent for " PNC Bank '' to give a third party, which is the " Credit Bureaus " authorization to report late payments. I have never had the opportunity to Opt Out of any information being disclosed to a third party. Clearly this is a violation and this is hurting my credit score.

( Action ) The action that was taking was me send a dispute letter to the company ( PNC Bank ) and this.

pursuant to 15 usc 1681 ( 2 ) ( A ) ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report ; So that means any transaction between the consumer, which is I, XXXX XXXX and the " person '' which is the creditor, " PNC Bank ''. 

Pursuant to 15 usc 6802 ( b ) ( 1 ) ( A ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Checking or savings account

I called Wells Fargo XX/XX/23 after seeing some unauthorized charges to my account and immediately turned off my card. I was unaware of all the charges made as no alert was sent to me. Once the report was made and new card was sent I was told I would have a response by 10 business days. I called Wells Fargo on the 10th day. Once I called I was informed those charges were made by me that I had put the PIN number for all the purchases. I did not make any purchases and no one has my card info. Im sure thats not the case or otherwise the transactions wouldnt go thru. I had not used the card physically only thru XXXX XXXX. I had no idea my card was missing until I was going to purchase the ticket back home and noticed I didnt have the card. I didnt use the card nor did I do those purchases. They also mentioned about me finding the expenses. Of course there is money going into the account, I have direct deposit from VA going in monthly, thats why this account was opened to have DD made.
Product: Credit reporting, credit repair services, or other personal consumer reports

FICO Score History Date Fico Score ( as Reported by XXXX  ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX How can someone trust this report which fluctuate without any wrong doing by a consumer? Can XXXX  attribute thygose score to the already settled collection ( XXXX XXXX, XXXX )? Eradic reporting resembles a torture of consumers.
Product: Debt collection

I sent a debt validation letter to Americollect for a medical bill I did not recognize. They replied with the original bill. However, that bill had a list of procedures and other medical information. This is a clear violation of my HIPAA rights. I did not authorize them to have access to this personal information. In accordance with the law, they are now in violation of my legal rights.
Product: Credit reporting or other personal consumer reports

Way back in XXXX in XXXX I had filed a FTC ID AFFIDAVIT and disputed with XXXX regarding inaccuate and unauthorized inquiries! My info was involved in the XXXX XXXX breach! 

In accordance with the Fair Credit Reporting act. The inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. I Have never given permission for these companies to pull my credit for the last year! This is illegal and a violation of consumer rights! I obtained FTC Identity Affidavit back in XXXX to dispute and request deletion. XXXX has refused to delete these inquiries which has blatantly violated my consumer rights and protection. 
Inquiries 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 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 I want these inquiries deleted.
Product: Checking or savings account

I was a customer of BMO HARRIS BANK, and my account had a positive balance and at the time, I was a server, so there was always cash deposits being made if it was to ever reach a low balance, I would make sure any bills were paid and covered. My account was compromised in 2018 while I was at work, having had my XXXX being hacked, so I went through data and financial loss. I had no idea what the extent was, but I do know that that BMO locked me out of my account and then had some activity on it post that I was not aware of. I reached out several times and wondered how and why this could happen, if I was locked out of my device and when I logged in on my computer I saw the activity. I could not dispute it, or even reach personal that could help me and I was devastated and took a loss on my credit, my bank account and financial security. I dont know why this happened and it has been something I wish I could have had a resolution to sooner. And so here I am now, years later, knowing more about how to protect my device and financial security. But I am beyond dissatisfied and disappointed with how BMO handled this. They locked me out of my account and funds, and then did nothing but say there was activity on it that was deemed fraudulent and my account had a balance. I was not able to file a dispute a claim anything and it was the most trauamautic financial thing I had to deal with since. Because since then Ive felt like I was that criminal who actually gained access to my account and locked me out and had BMO treat me like I was the one benefiting from that and that was not the case. I hope this gets to the right team and is addressed, because if BMO failed to have my back on app security at the time, and I had Face ID and would always change my passwords if I felt my phone or app was potentially at risk from something that appeared on my phone or a random pop up showed upto say this incident truly had a negative effect on me is an understatement.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information these companies did not get my approval or consent, nor did I receive notification of them sending a letter to disclose my information and these are all violations, remove them now! 

XXXX XXXX XXXX  XXXXidentity theft-where is my wet signature that I gave permission XXXX XXXX-identity theft-where is my wet signature that I gave permission XXXX XXXX XXXX XXXX XXXX-identity theft where is my wet signature that I gave permission
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy listed on my report. I have a letter from the courthouse, which they listed they do not share information with anyone, as well as a letter from XXXX XXXX stating they removed my bankruptcy from their report. I submitted the letters to Transuniona and XXXX in which they both stated they verified the information through XXXX XXXX, which is incorrect, because XXXX stated they removed it from there records. However, Transunion and XXXX refuse to remove it. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to make sure that my private information is not shared which is backed by the 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX, and Equifax do not have my consent to furnish this information nor did they have my written consent. Any and all consent from XXXX, Equifax, and XXXX ( XXXX of information to credit agencies ) whether it be verbal, nonverbal, written, implied, or otherwise is invoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) 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 ''. These accounts are an adverse item they are reporting again without my permission which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get my free annual credit report from EQUIFAX and they said I couldn't do it online two months ago. They said there system wasn't allowing it. 

So, they said I could send in a written form to request it and now it's been 2 months with no reply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Incorrect Information on My Credit Report Dear Experian, Equifax, TransUnion I recently reviewed my credit report and found incorrect or inaccurate information listed under my personal details. I am requesting that these errors be investigated and corrected. Below are the discrepancies : 1. Incorrect Names Listed My correct name : XXXX XXXX XXXX names that should be removed : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ] 2. Incorrect Addresses Listed My correct current address : [ XXXX XXXX XXXX, XXXX XXXX FL XXXX ] Incorrect addresses that should be removed : [ XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX CT XXXX XXXX FL XXXX, ] 3. Incorrect Employers Listed My correct employer : Self Employed Incorrect employers that should be removed : [ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ] Please find attached copies of supporting documents, a recent utility bill, verifying my correct identity and address. 

I request that you investigate these discrepancies under the Fair Credit Reporting Act ( FCRA ) and provide a written response detailing the corrections. 

Thank you for your prompt attention to this matter. Please notify me when the changes have been made or if additional information is required. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My card was at a XXXX balance with the exception of an installment plan of XXXX XXXX/month for an apple watch. I made a purchase of {$40.00} ( XX/XX/23 ) and payed {$40.00} to the balance two days later ( XX/XX/23 ). When the installment was added of {$11.00} my balance was {$50.00}. It seems as though my payment was not credited and Goldman & Sachs ( Apple Card ) has determined that all is correct and I have to make another payment of {$40.00}. They have not proved to me that the payment of {$40.00} was post to my card and have closed out my dispute. I have requested they open a new one. I hope to hear back form them soon but this should have been resolved the first time.
Product: Debt collection

Approx 20 robocalls as of XX/XX/2019, from company called Afni, seeking someone that I don't know. I called the robo-phone # XXXX XXXX to tell them that I don't know who they are seeking. Put on hold and nobody picks up. The robo-calls from XXXX XXXX call my landline almost daily, sometimes more than once per day. 
The caller identifies as Afni or XXXX. I don't know because I've never dealt with a company of that name.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
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 XXXXXX/XX/year>, HAS VIOLATED MY RIGHTS I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i-5 they are suppose to do this 9 Treatment of inaccurate or unverifiable information ( A ) In generals, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; 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, 2021 ; XXXX XXXX Inquiry : XXXX XXXX, 2021 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  notified all three credit bureaus to remove the XXXX XXXX collection from my credit report. XXXX XXXX and XXXX complied however Equifax took no action. I contacted the collection company and was told by their compliance department that they did in fact submit the change to Equifax. In an effort to correct this mistake I called Equifax and they informed me that they never received the instruction from the collection company. I submitted not one but two disputes to clear this off of my credit report and to date no action has been taken. Please have Equifax remove this from my credit report as soon as possible. Without the removal of this item, I may face homelessness.
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and I found some inaccurate information. I have a credit account with XXXX that has reported late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is creating a financial hardship for as I am looking for to purchase I new home.