23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On these two accounts, XXXX reversed the late payments on both of these accounts which is an accurate action on their part. If your agency does not take action and reverse the late payments as XXXX accurately did, I will have no choice but to seek legal action against your agency and exercise my rights outlined within the FCRA, pursuant to 15 USC 1681n and 15 USC 1681o, seeking full damages. 

Check the screenshots of the inaccurate erroneous accounts which where reversed by XXXX. 

I looked at my credit report 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 or other personal consumer reports

Despite multiple written requests, the unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not delete these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 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 and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " 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 nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting

XXXX XXXX has reported my account as still in collections on XXXX/XXXX/15 ; however, I paid the balance due in full on XXXX/XXXX/15. The first payment made was on XXXX/XXXX/15 in the amount of {$44.00}. The second payment made was on XXXX/XXXX/15 in the amount of {$130.00}. I am attaching certified documents from my bank showing that these payments were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, an authorized deduction was taken from my XXXX  XXXX XXXX checking account in the amount of {$1400.00}. I filed a fraud claim with XXXX  XXXX XXXX and after their investigation, they determined this was a fraudulent transaction and they credited my account back the full {$1400.00}. I was advised to check my credit reports and after doing so, I found that XXXX  XXXX XXXX was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the Equifax data breach, in which all of my personal, financial and electronic data had been stolen. I also received letters from debt collectors for the XXXX  XXXX XXXX account. A dispute letter was sent to both the collection agency and XXXX  XXXX XXXX advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the XXXX  XXXX XXXX account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the fraudulent charges. Then in XX/XX/2020, I again had an unauthorized fraudulent deduction from my XXXX  XXXX XXXX card which again they investigated, found to be fraudulent and credited my account back the money. XXXX  XXXX XXXX is completely aware that my identity was stolen and that fraudulent charges were being made against my account, however they are doing nothing to correct my credit report, validate the charges or show my liability for the amount of the charges and now are in the process of suing me. I never received any type of correspondence from them advising me of charges to my account and I never received any bank statements because they had me on paperless. I have no reason to check my paperless statements as a believed my account was current and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, Transunion and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Product: Credit reporting 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 COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 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 Balance : {$0.00} 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: Bank account or service

Hi my name is XXXX XXXX, my husband XXXX and I shared an account we opened in XXXX XXXX. We reside in XXXX XXXX, my mother in law lives in XXXX XXXX. Recently I went to the XXXX branchin XXXX XXXX and made XXXX deposits in the drive thr ough. The teller, XXXX was extremely rude, making a wrong deposit for the in correct amount. She made me wait and I was the first customer. I was trying to help and advise her that she made an improper deposit. Also I was trying to takes care of another business related issue on my phone. Another lady came on the speaker yelling at mesaying, _your on your phone you need to get off '' the call was very important. I then advised her that it was business and that I will report the rude behaviour. The other lady screams ha you think you 're a banker. '' I drove off and continued my call and pulled across the street in the parking lot to write down information. I then called customer service and spoke with someone regarding the tellers. Then a police officer pulls behind me questioning me he then witnessed I was on the line with Regions and told me have a great day. He also said the tellers alleged they were scared. I feel stereotype d marked because of my race, also that was unethical, those tellers knew what and how they treated me was wrong, if you did n't do anything wrong to anyone then there 's nothing to be afraid of. I left a message for the branch manager XXXX XXXX. She never returned my call. I called XXXX and spoke with someone, the lady made contact, then XXXX called me yelling in my ear never affording me the opportunity to speak, hanging up in my face then she forced my account to be closed out of retaliation. She bragged about the people she knew and how she been banking a long time. This woman was rude and I am respectful ly request ing that someone address the matter and respond to me, if not I will call me back, and I would like the decision overturned.
Product: Debt collection

So, I have this back XXXX forth situation on-going with LVNV FUNDING LLC this company has listed XXXX different negative trade lines on my credit report. I have disputed these charges on multiple occasions, only for the credit bureaus to continue to list that they are verified debts. 

I have sent letters to the Credit Bureaus and sent one via Certified Mail to LVNV FUNDING LLC which records show the letter was received and I also received a return receipt back to me. ( I have enclosed the letter below as an attachment ) I have ask LVNV FUNDING LLC nearly 45 days ago to verify my debts within their company and they have refused to respond to my requests via Certified Mail which in return makes me believe the company can not validate the debt. Which in return also makes me believe the Credit Bureaus are not properly verifying this debt. I have exhausted my resources on getting these debts verified. And now I will seek a lawsuit against LVNV FUNDING LLC and XXXX, XXXX, and XXXX for continuing not to verify this debt and provide me with the proper paperwork showing how they verified, and LVNV FUNDING LLC continuing not to provide verification which is in direct violation of the FCRA Laws.
Product: Debt collection

I lived in an apartment complex then named XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Sometime around the spring of XX/XX/XXXX, a representative visited me and said that they intended to renovate the apartments, and since I had occupied my apartment for ten year, it was slated for renovation. That year, I informed them that I was vacating the apartment in XXXX after ten years. 

I PAID MY RENT IN FULL. 

I vacated the apartment in XX/XX/XXXX. I was reviewing my credit report and noticed a derogatory comment from the successor company through a debt collector. They stated that I owed one month 's rent. I DO NOT OWE ANY RENT. There was dispute about the length of notice I gave them before leaving. I told them at that time that the notice was sufficient since they meant to renovate the apartment as told to me in the spring, and there were indications that they started renovating shortly after I left. The impression is that by not giving more notice they lost one month 's rent. No, they did not.
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect personal information in my records. Specifically, my address, phone number, name is listed incorrectly. The correct information XXXX XXXX XXXX XXXX XXXX Ar, XXXX. I have not lived anywhere else in my life. I request that this error be corrected and my records updated accordingly. I have included a copy of my government-issued ID to verify the correct information. Thank you for your attention to this matter.
Product: Debt collection

XXXX XXXX XXXX  is trying to collect a debt but are unable to provide me the proper documentation stating the debt was mine and that i signed contracts. the debt is for {$1500.00}. Being that they can't provide these documents, they can not prove the debt is mine.
Product: Bank account or service

I " had '' a Chase checking account in XXXX of 2016. My Chase debit card was stolen and used and there were unauthorized purchases made all over the nation within less than a month. There were over XXXX transactions done in a matter of a few days.Once i attempted to notify chase that this happened they proceeded to file a claim, i notified them that i am in the XXXX and am soon to be XXXX and would not have access to check the status while away. The representative was then assuring me that i need not worry and that they have a fraud department that handles these types of situations and if anything i will receive a " provisional '' credit within XXXX to two business days. I submitted the claim and 30 minutes later received an email saying my claim was denied. i rushed to call to find out why and the representative notified me that there was a single transaction ( out of the XXXX transactions ) that was not filed in the claim and proceeded to end the dispute at that point. I then notified her supervisor that the missed transaction was not my fault and was a simple mistake of the previous representative due to a large amount of transactions within the week, and i clearly stated from a certain date until the present date were fraud so she understood and refiled the claim but notified me that because of the previous denial it would be more likely to be denied again but she included the transaction that were missed and put notation on the claim of the error. the following day i received an email stating that it was denied again, i then called to question and was told it was because of the first denial.
Product: Credit card or prepaid card

Fraudulent transactions with XXXX ( cable and internet company ) XXXX amounting to over {$30000.00} still ongoing. More fraudulent transactions are piling up even after reporting the fraud to Bank of America.
Product: Mortgage

The bank discriminate against me took my name of the mortgage refuse to give me any information about the loan and how i can save the house and trying to forclose on it .they been so hateful to me telling me they do not know me but yet i got a letter from.the lawyer that they are foreclosing on the house and i cant get involved in saving it and told me do what you have to do we do not care i do have the name and the number of the guy that refuse to deal with me And they need to wuit sending buyers to lool aroumd and remodeling compagnies for estimates ome of them destroyed my plumbimg and electric when i m tryimg to get help
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

According to Chase Bank, they closed the account after a payroll check was deposited on XX/XX/2020. Further, they stated they were holding that check, and the amount that was in the account prior, and the savings account that was not tied to the checking account. 
The account was opened in XXXX for the purpose of direct deposit since my XXXX  job requires a bank account for direct deposit. The first check was placed in the account and Chase said it would take 3-5 days for it to be verified. Then the second paycheck came in and there was no correspondence with me, but they kept the check and closed the account. I did not realize what happened until I went to buy a car on Sunday, XX/XX/2020, and was unable to access any of my funds. 
On Monday, XX/XX/2020, I called Chase and they said it was randomly selected to verify the payroll check and they could do nothing. I went to the Chase branch at the corner of XXXX XXXX XXXX and XXXX XXXX and they apologized, XXXX ( the branch manager ), said she had no idea why it was happening and that she would take care of it on Tuesday, XX/XX/XXXX. 
Then, on Tuesday, XX/XX/XXXX, I went back to Chase and XXXX left before I arrived, XXXX, another employee said I should open another account and maybe they could put the funds in that account in another week. Meanwhile, I had a check that was sent to Chase via direct deposit and I still have no access to any of it. Also, my savings account is still locked and I have no access to it. I have had no access to any money since XX/XX/XXXX and they have offered me nothing.
Product: Checking or savings account

I disputed unauthorized debit card transactions with Wells Fargo by telephone on XX/XX/2021. As customary, my debit card was cancelled and a new card ordered. Upon arrival by US mail, the new card was unable to be activated having already been canceled. Since this time I have been unable to get s new debit card issued for this account, either in person at a branch location ( on two occasions ) or by telephone call with debit card services ( also on two occasions ) The account balance has been positive the entire time. Consequently, my account is difficult to access having no checks and now no debit card, as Wells Fargo refuses to issue another debit card or credit card for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Capitol One opened an account and pulled a hard inquiry on my credit report without my knowledge and or consent. 

On XX/XX/2023 Capitol One opened another account and pulled an additional hard inquiry on my credit report without my knowledge and or consent. 

I have been a victim of fraud and requested to set a fraud alert on my credit report good for one year.