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

WITH REGARD TO ANY DISCLOSURES OF ANY ALLEGED DEBT OBLIGATION BETWEEN ANY FINANCIAL INSTITUTION, CLEAR AND CONSPICUOUS DISCLOSURE AT THE TIME OF ESTABLISHING CUSTOMER RELATIONSHIP MUST BE PROVIDED. I HAVE NOT ESTABLISHED/CONSENTED TO OR WAS PROVIDED CONSENT OF SUCH DISCLOSURE NOR WAS PROVIDED ANY NOTICE THAT COMPLIES WITH SECTION 6803 OF TITLE 15 WHICH OPTS OUT ANY DISCLOSURE OF ANY NONPUBLIC PERSONAL INFORMATION AS DEFINED BY 15 USC 6809 ( 4 ) TO ANY NONAFFILIATED THIRD PARTY.

FCRAs HAVE AN OBLIGATION WITH RESPECT TO THE DISCLOSURE OF PERSONAL INFORMATION. PER The Gramm-Leach-Bliley Act I HAVE THE RIGHT TO THE NONDISCLOSURE OF NONPUBLIC PERSONAL INFORMATION. THIS AGENCY IS ACTING AS A NONAFFILIATED THIRD PARTY ON BEHALF OF FINANCIAL INSTITUTIONS AND HAS ACQUIRED NONPUBLIC PERSONAL INFORMATION WHICH I HAVE IDENTIFIED AS FRAUD AND THE FCRA VERIFIED THE INFORMATION AS ACCURATE. SUCH ACTIONS ARE UNLAWFUL. I HAVE NOT AND DO NOT CONSENT VERBALLY OR WRITTEN TO SUCH FURNISHING OF INFORMATION TO MY CONSUMER CREDIT REPORT. I WISH TO OPT OUT OF ANY NEGATIVE, FRAUDULENT AND DEROGATORY INFORMATION FURNISHED ON MY CONSUMER CREDIT REPORT AND DEMAND THE CRA DO AS REQUESTED TO ENSURE MY REPORT IS FAIR, ACCURATE IN MY EQUITABLE INTEREST AND WITH REGARD TO MY CONFIDENTIALITY. I DEMAND TO OPERATE/EXERCISE THE NONDISCLOSURE OPTION OF THIS ACCOUNT WITH RESPECT TO MY RIGHTS. 

ANY TRANSACTION/AGREEMENT DONE IN PRIVATE BETWEEN ANY FINANCIAL INSTITUTION PERTAINING TO ANY DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION WHICH IS SOLD TO ANY NONAFFILIATED THIRD PARTY AND USING SAID INFORMATION WITHOUT CONSENT IS FRAUD. NO CONSENT FOR SUCH ACTIONS WERE EVER GIVEN EXPLICITLY WRITTEN OR VERBAL. I HAVE DISPUTED AND DEMAND SAID INFORMATION BE REMOVED/OPT OUT OF FURNISHING SAID DATA. ANY CONTINUED REPORTING OR FURNISHING OF THIS ACCOUNT IS WITHOUT MY PERMISSION/CONSENT/AUTHORITY AND CONSTITUTES IDENTITY THEFT. I DEMAND THIS INFORMATION BE BLOCKED AND DELETED FROM MY CONSUMER CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH 15 USC 1681 C-2 TO AVOID FURTHER DAMAGES TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$1900.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$960.00} XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} AMERASSIST ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1900.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/year>XXXX  TransUnion : XXXX XXXX XXXX, XXXX, PA XXXX RE : Correction to my personal information Dear Transunion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 


Wrong address : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting

I have been disputing information on my credit report on several accounts for 2 years. I have included excellent proof which consisted of a signed letter from the property manager for account with the name of XXXX ( XXXX XXXX XXXX ), indicating it was paid 5 years as of today and given to me upon payment for my records. Yet they have not deleted it. By law credit bureaus are supposed to delete inaccurate information and by no means should those accounts still be listed after I provided substantial proof. My next step will to file a lawsuit against Transunion and XXXX if they keep refusing to delete the items and intentionally disobeying the mandated laws that are suppose to protect consumers..
Product: Credit reporting or other personal consumer reports

Dear CFPB & EXPERIAN, I am writing to formally dispute the presence of inaccurate names and addresses listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e and 15 U.S.C. 1681i, I have the right to request the removal of incorrect information from my credit file. 

The following incorrect names and addresses are present on my credit report : False Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX False Names : XXXX XXXX XXXX XXXX XXXX My legal name is XXXX XXXX XXXX XXXX, and my correct address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. The incorrect names and addresses are not associated with me, and their presence on my report is negatively impacting my credit profile. 

I request that you investigate this matter promptly and remove these inaccuracies from my credit report. Please confirm the removal of this false information in writing, and provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your immediate attention to this issue. I look forward to your swift response. 

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

I have reason to believe that Equifax has been placing another persins information into my credit file. I signed up for thwir services in XX/XX/XXXX and all of a sudden the product syopped working 3 weeks after I signed up for the monitoring services. They are already aware that I am a victim of identity theft, but they I believe that they are contributing to it. It took them 7 weeks fix the product at which time I could not view or monitor my credit file. They finally cancelled that product and told me the product was no longer being offered. And placef me onto another. They didnt give me a refund for the faulty product and they did not extend any free monitoring for the inconvenience. All of sudden on XX/XX/XXXX the product stopped working again and nobody provided a solution. As of today. The product was payed for on XX/XX/XXXX, at which time the product stopped working on XX/XX/XXXX. All of a sudden after speaking to a representative named XX/XX/XXXX, he stated the file was locjed, and I no longer had the product that enabled me to lock the file because they claim they discontinued it. He then cancelled the current product that was not working, and claimed that he needed to cancel it in order to remove the lock. He still was unable to remove the lovk and they did not offer any refund, or my money back, or solution to the problem. They referred me to XX/XX/XXXX at which time, the report was still unable to be viewed. I have reason to believe that they are allowing someone else to use my credit file because when I tried to dispute the fact that there is a lock online, they stated the address information that I provided wad not matching what they have on file. And they have the correct infotmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX,19. Equifax just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.XXXX Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. XXXX open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

Equifax, XXXX, and XXXX please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 1692 XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

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

15 U.S.C. 1692 designed to eliminate abusive, deceptive, and unfair debt collection practices. In addition, the federal law ( 15 U.S.C. 1692 et seq. ) protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers from abuses in debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX that my credit score dropped by 47 points on my XXXX report. I had no major changes on my accounts ( even during the holidays ). After carefully examining, I realized that Capital one had reported me 30 days late. I called them and explained that I moved in XXXX and that I have NEVER had any issues prior to this. I admitted my mistake and requested for them to remove this information as a goodwill adjustment. They initially stated that they couldn't remove it. I asked to speak to a supervisor who initially told me the same thing, and explained that he never encountered this situation before. After twenty minutes on the phone, he suggested that I contact the credit bureau and dispute it. I questioned the validity of his information since the credit bureaus will only report what Capital one reports. The supervisor, XXXX suggested that I send the request to the credit dispute department which I did, but I did not receive any response or solution to my request. I have this account since XXXX of 2016 and I have NEVER been late. I had such a good payment track record with Capital one that I even have car financing from them.
Product: Payday loan, title loan, or personal loan

A loan was taken out by myself and paid off in full in XX/XX/2014. Upon checking my credit report, it appears Lending Club incorrectly reported my account as " delinquent over 60 days '' to XXXX  and XXXX, and it has been on my report for the past 6 years. 

LendingClub.com has no direct phone number for support and an email request submitted through their website did not return a response. A dispute was initiated with XXXX over 2 weeks ago on XX/XX/XXXX however no update has been made to the credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I have a bank of america account.. they continuously keep taking out maintenance fees out of my checking and savings account. I talked to them before they have gave me the requirements to have in order for them to not take out the maintenance fees.. I have met all the requirements they continue to take out money out of both my accounts. I am tired of it I have been a customer for over 10 years with BOA
Product: Credit card

I paid my Sephora credit card off in full, closed it out XX/XX/year>, destroyed the card. Sent the full payment by cashier 's check and certified mail. Questioned them about another acct under my name that I never opened. They " alleged '' they would do a full investigation and per my request would close my account ( that I had already closed in XX/XX/year> ). They claimed it would take weeks, 2 days later they sent me a letter telling me my account is closed. Since then I keep getting calls and emails from them telling me my balance is due, now it's past due ....??? What account balance??? I'm tired of there harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number-XXXX Date Reported-XXXX Date Assigned-XXXX Creditor Class-Medical/XXXX XXXX XXXX   Name-XXXX  XXXX XXXX XXXX XXXX Original Amount- {$1500.00} Date of 1st Delinquency-XXXX ADDITIONAL INFORMATION : Collection Account The above referenced account was disputed via online with Equifax and in less than 2 weeks they provided results that stated the account was accurate. However, they failed to provide validation of debt to prove debt is in fact my debt. In addition, this account was determined to not belong to me approx 2 years ago and was removed from my credit report. However, it has resurfaced and they have not provided validation of debt. I was never notified of debt nor do i have any knowledge of debt. 
In addition, I attempted to contact creditor prior to disputing debt and was not able to be assisted. I searched creditor information in attempt to escalate debt as I was told by creditor they were unable to locate debt and found that credit was not authorized to collect in the state of Florida.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

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

I am writing this letter to dispute certain information that is falsely listed on my the credit report. 

The collection account redeemed or reinstated repossession of an obligation with BMW Financial Services is incorrect. The following is the identifying information of the error : Account # XXXX. 
Date of incorrect reporting : XX/XX/XXXXXXXX  Explanation of my dispute : This account was opened on XX/XX/XXXXXXXX  for 51 months leased term. It has been 8 years and 8 months now and it should no longer appear as a collection or reinstated ; This unverified account listed on my credit report is in violation of 15 U.S.C. 1681. 

All my payments were completed throughout the 51 months lease terms ; I made over $ XXXX in leased payments. My insurance company also paid for the total loss for the car in accident $ XXXX while the value of the car was only $ XXXX. BMW final made over $ XXXX and they are still reporting this on my credit after 8 years. 

This account has not being verified under Section 611 ( 5 ) ( A ) of the FCRA - The credit bureau is required to promptly delete all information which can not be verified.
Product: Debt collection

Target Visa was paid off & closed, subsequent fraudulent charge for an online subscription -- I did n't detect it for a few months or so. Contacted Target, but they did n't act. Eventually was charged off XX/XX/XXXX, and I sent a letter stating that I was not responsible for the debt to one collection agency XX/XX/XXXX, and a copy of that letter to the current collection agency about a year ago. Still, they call me several times a week, usually weekend days @ XXXX., so I have to unplug my phone to sleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with transunion and XXXX XXXX  account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) 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. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card or prepaid card

Approximately 2 weeks ago I received a credit card in the mail that I NEVER sought to obtain. The card is a Mastercard issued by XXXX XXXXXXXX XXXX and/or Genesis FS Card Services . I saved yet never activated the card choosing to ignore the mail as junkmail. Then today XX/XX/25 I received an payment statement from the same company for said credit card stating that I owe {$59.00} for the Annual Fee and Credit Protection Fees. I immediately called the company and stated that never have I inquired to have this credit card. They supposedly cancelled the card and told me to go to identitytheft.gov and fill out a complaint then either mail or fax them a copy once completed. Thru that website I was somehow steered here hoping for help with this matter.
Product: Debt collection

I noticed a collection from a company called Progressive Management Systems ( Prog Mgt Sys ) in the amount of {$6200.00} which I believe is a fraudulent account. The dates opened are different on every credit bureau and per the FCRA an inaccuracies need be corrected or deleted from my credit report. I also do not owe any medical facility any money as the only treatment I have had in the past 3 years has been covered by my insurance. I would like to obtain proof that the debt owed is mine and that it does not violate HIPAA or the FCRA otherwise such should be deleted from my report as it has put a burden on my ability to responsibly obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting Act, AMEX # XXXX has violated my rights. 

15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A consumer may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many many accounts on my credit report that are not mine I have not applied for these nor signed or used any of these I am not even finding any cards like these with me I have opened an FTC for these I have Mailed out letters since XX/XX/XXXX and nothing is being done I am getting frustrated and I need help to clean this off my credit ASAP!!! 
XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$14000.00} XXXX XXXX  BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX CARD - Acct # XXXX Opened XX/XX/XXXX XXXX {$6700.00} XXXX BANK USA -Acct # XXXX OPened XX/XX/XXXX XXXX {$340.00} XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$2300.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2500.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$1100.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2000.00} XXXX XXXX XXXX  XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3400.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3000.00}
Product: Checking or savings account

My direct deposit went to chime on XXXX XXXX I could not get my money my ATM cards would not work they took my social security check and chime told me they were not going to give me my check back after I disputed it, then I couldn't get back in touch with them they let someone get into my account and said there was nothing they could do
Product: Debt collection

HRRG called my wife 's phone threating to hurt her credit. When I was on the phone with the lady I asked for Verification before proceeding with any communication. The Lady told me that she is not sending any more letter which is a violation. This company is harassing without proper verification. Without any verification any attempts to place any negative item on my wife credit is a violation.