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

The following items 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 items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : XXXX  has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  Equifax has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX - Opened XX/XX/XXXX Balance : XXXX ( Equifax, XXXX, XXXX ) XXXX XXXX  XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( XXXX  and Equifax ) XXXX XXXX XXXX - XXXX  XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account XX/XX/XXXXXX/XX/XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX Age of Account XX/XX/XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of AccountXX/XX/XXXX| XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$1700.00} Remaining Balance XXXX XXXX Amount XXXX Late Payments XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$3000.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account XX/XX/XXXX| xxxxxxxxxxxx XXXX CLOSED Account Status {$13.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account XX/XX/XXXX CLOSED Account Status {$0.00} Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX CLOSED Account Status {$15.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account 15 usc 1681a 4 fcra section state i have the right privacy 15 usc 1681b section 604a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions which basically is saying that unless you give the company written consent to put this on your report that is the only way that they're allowed to report it to the credit bureau, which I have not given any permission. then it says 15 usc 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 they may only report crimes not debts which the report by more than three years 15 usc 1681 s 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.

15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I checked my credit report and 3 accounts are there from XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX I've asked for VALIDATION of these accounts and only have received a bill stating that they are due
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act.This creditor has violated my rights. Under 15 US C 1681 section 602 states that I have the right to privacy. 15 US C 1681 section 604A Section 2 it also state that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint against XXXX for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, XXXX consistently responds within 24 hours, stating that the account is accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX Account XXXX XXXX southwest recovery serivce XXXX XXXX XXXX XXXX XXXX  tx XXXX I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within 30 days of receiving this letter. 

If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX 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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

I disputed an old account which should have been deleted by Wells Fargo that was investigated by Wells Fargo and they deleted the account from the XXXX and XXXX credit reports but they did NOT delete the account from the XXXX credit report. I disputed  the old account again with Wells Fargo thru XXXX  but it was verified and not deleted.
Product: Checking or savings account

On XX/XX/XXXX, I had {$120.00} taken from my account. On XX/XX/XXXX {$20.00} was taken at a XXXX XXXX XXXX {$100.00} at XXXX XXXX XXXX On XX/XX/XXXX XXXX {$50.00} transactions at XXXX XXXX XXXX and XXXX {$71.00} at XXXX XXXX. I did not authorize any of these payments and as far as I can tell they all occurred in New Mexico or Texas. I have never been to either state and was working or in the process of moving during the times in question. I reported the fraud, froze my card, and reached out to the bank that was responsible for the security of my funds to see about next steps. On XX/XX/XXXX, another {$100.00} was attempted at XXXX XXXX XXXX but because my card was frozen it was unsuccessful. The bank ruled that none of these transactions were fraud. They stated there were no declined transactions on the card after it was deactivated, which is inconsistent with a fraud pattern. This was the day after the {$100.00} transaction was declined. I filed for a review and the decided once again that it wasnt fraud. I sent multiple texts and emails asking to speak to someone in the fraud department or a manager and was ignored. I did not spend this money. As I stated i live in XXXX and have never even been to the states where the transactions occurred. Ive had {$390.00} stolen from me and did not get the assistance I needed from the bank. If you are able to offer any help Id appreciate it. Thank you for your time.
Product: Debt collection

Hello, How are you? 

I recently went on XXXX XXXX to check my credit score, specifically XX/XX/18 around XXXX EST. I saw an outstanding debt from Barclays Bank Delaware for around {$460.00} that I do not recognize. The credit card account is opened on XX/XX/2018. I have not travelled outside of NY state in the year 2018 from XXXX to XXXX and have never opened up this credit card. I have never received calls or statements from this bank regarding these outstanding balance. Since I also found another unrecognized credit card opened with outstanding debt from XX/XX/2018, I believe this mistake is the result of identity theft. I have since filed a report with Consumer Financial Protection Bureau and will be filing a police report with local XXXX. Please help resolve this dispute. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Data Breach XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! 

A Huge security breach at credit reporting company XXXX has exposed sensitive information, such as social security numbers and addresses of up to 143 million Americans. THE BREACH HAPPENED IN BETWEEN MID XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> TO XX/XX/XXXXAND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. 

Unlike other data breaches, those affected by the breach may not even know they 're customers of the company. XXXX XXXX XXXX XXXX is one of the three nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! 

The data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. 

XXXX has confirmed and claimed that as many as 143 million people in the United States were hit. Others in the XXXX and XXXX were also impacted, but XXXX has n't said how many. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to " personal identifying information '' on about 182,000 U.S. customers. 

I have been disputing incorrect accounts on my credit report sinceXX/XX/XXXX and XXXX did not notify me in the mail stating that my personal information and dispute records were breached. XXXX jusst informed the public XX/XX/XXXXwhen this unauthorized and breach happened in mid-XX/XX/XXXX XXXX  confirmed and claimed that the criminals " exploited a U.S. website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. 

XXXX is proposing that i sign up for credit file monitoring and identity theft protection for one year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything XXXX has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO  THAT AGREEMENT WILL LIMIT MY REMEDIES 03.  ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS XXXX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE XXXX FOR A SUBSTANTIAL AMOUNT OF MONEY. 
07. WHO HAS MY DATA NOW AND AFTER THE BREACH? XXXX DOES NOT KNOW! 

As a Secured Party Creditor I will be filing the following against XXXX : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. XXXX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.
Product: Credit card or prepaid card

I learned of a poor FICA score from rating agencies. This poor rating was largely the result of a report from Citibank, with which I used to have a credit card. According to Citibank, my XX/XX/XXXX statement shows that my credit card was used for a purchase of {$15.00}. 
I have no recollection of this purchase. Indeed, I had moved to XXXX in XX/XX/XXXX and was still living there at the time of this purchase, so I can't imagine why I would have bought anything. 
Citibank added to this original charge various penalties and fees, so that as of XX/XX/XXXX the debt totaled around {$130.00}. Citibank alleges that prior to closing the account that same month, it was sending me monthly statements via email. However, I do not recall receiving any emails from Citibank about this or any other issue while in XXXX. Moreover, a search of my email archive shows that XXXX was the last year I ever received an email from Citibank.
Product: Credit reporting or other personal consumer reports

I have filed disputes to all XXXX credit bureaus since 2019 about my student loan, which is in good standing. They have my student loan listed as in good standing and in closed and default? How can that be? For 5 years I have been fighting these evil monsters to fix my credit report and yet nothing! As a single mom that is also a XXXX  XXXX XXXX  this is just another form of abuse towards me that is preventing me from buying a house for my daughter and I! I have filed disputes numerous times to get this fixed and they keep saying to call student loans which say it is in good standing. Please help me this Id evil!
Product: Credit card or prepaid card

XXXX XXXX  has been making harassing collection calls when payment is not due as of yet, due date is XX/XX/XXXX in the amount of XXXX. The account was under a hardship program prior and removed due to a returned payment in the amount of XXXX. This payment was scheduled to be drawn from a closed account which was not known to me, payments are currently scheduled to be drawn from my current account ending in XXXX. I was under the impression the payment would be drawn from this account as well, it was returned because the account drawn from was closed. I request calls stop and account added back on to hardship program.
Product: Checking or savings account

XX/XX/2023 I cashed my life insurance policy check at XXXX XXXX XXXX Keybank and they they told me it would post XXXX to XXXX. They also told me it wouldn't effect my direct deposit. 
XX/XX/2023 the check cleared but direct deposit was posted. I try to pay my rent online and the keybank app said my account was restricted. I call customer service but they seem to be confused on why my account was froze. 
XX/XX/2023 I go to XXXX XXXX XXXX And they told me that theres a hold on my account but they dont know why? but to wait XXXX weeks. 
XX/XX/2023 I go back to XXXX XXXX XXXX. They tell me they have a hard time reaching the fraud deparment and they dont know whats going on but to wait 2 months. 
XX/XX/2023 i contact corp office XXXX  for addtional questions. I find out the fraud department said XXXX XXXX XXXX didnt send addtional info that was need for the case. 
XX/XX/2023 I recive XXXX letters in the mail. XXXX saying " the account hold is typically within XXXX business days. the other XXXX stating they are closing my account within 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I noticed an address in a state I never lived in on my credit report with Transunion. I requested to delete it and it still has not been deleted. I'm worried about fraud. I have never lived in XXXX Iowa. As of today the address is still on my account. I also get asked when any company wants to confirm it's me it states I have a mortgage I took out in XXXX. I rent and I do not have a mortgage. I have noticed inquiries that I dont believe belong to me. However my credit is not the greatest due to lack of credit since I don't use credit cards plus student loan debt so I'm unsure why anyone would want to steal my identity. I am still concerned about identity theft due to address being in another state and Transunion has not deleted it for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and are in compliance then you must remove the account from my credit report. 

I have attached my ONLY 2 forms of ID to this complaint