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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I have contacted Enhanced Recover XXXX XXXX FLXXXX have mailed XXXX letters and numerous phone calls asking for information on a debt that is showing up on my credit report. I have even disputed it with the credit bureaus. I have not received a satisfactory answer. I have never had XXXX for anything. I asked for a signed contract showing my signature, the date of the service, time etc and nothing. I want this removed from all the credit bureaus, but nothing is happening with this collection agency.
Product: Credit card

For the past year or so I have had a AAA/Bank of America Rewards XXXX card. Recently, since I was overwhelmed by credit card payments, I made a loan against my retirement account and paid off my BofA card. The day after that, I went in to see whether the payment was recorded, and could not log in. When I phoned them, they told me they had closed my account due to payment history of not paying my minimum payments. I had not been able to set up online bill-pay with them because I did not have a Bank of America bank account, and they kept telling me I needed to submit signed affidavits from my bank that my business bank account ( which is IN my name ) was really my account. So online banking never happened. So I was reliant on payments in person - and sometimes I could n't get to the bank on time so my payment was 1, 2 or 3 days late. That is their rationale for closing my account. I am most concerned about my credit history showing that despite paying off my balance to Bank of America, the account was closed involuntarily the day afterward. I was going to cut up the cards anyway, but the fact is this will worsen my credit, and I would like to stop that from happening if I can.
Product: Credit card or prepaid card

COMPLAINT AGAINST : CARE CREDIT  ( Synchrony Bank ) G ood afternoon, On  XXXX   XXXX ,   XXXX   I got an INTEREST CHARGE ON PURCHASES Date  XXXX  in the amount of {$1300.00} on a card that had  XXXX  {$5500.00} balance owned.   When I called Care Cred it ( card that II h ave had for over 10 years ) I was informed that when I made the purchase, I had a promotional rate of 0 % ; which I was aware of, and that after the promotional purchase, my interest rate ( of 27 % ad up ) would apply ; which I was also aware of. However, they also informed me that I was being charged my full interest based on the FULL AMOUNT OF THE INITIAL PURCHASE, as opposed to how much I CURRENTLY owed ( which was USD {$500.00} or so ).   Every month I make payments over my minimum required payment ( usually the min pmt is USD {$260.00}, so I pay USD {$100.00} to USD {$300.00} over that, to reduce the balances ).   No wonder a balance o f USD  {$6000.00} has not decreased in the past year!   WHA T I AM REQUESTING : 1. Full review  of ALL the interest they have charged on my account since INITIAL account opening ( that would be initial card and then a second   one issued only on my name ).
2. Amendment of ALL interest they have charged me based on initial amounts as opposed to what it was ACTUALLY owned at the time they applied the interest fee/charge.
3. Reimbursement of any over paid amounts based on point " 2. '' listed above.
4. For Care Credit ( Synchony Bank ) to revie  w its slick, fraudulent and outrages practices such as the one I have been subjected to. People like me use these cards as emergency to take care of our beloved pets so we do not have to put them down. People like me always pay on time and above so we continue to have a good relationship with the card and to try to decrease our balances. Which since Care Credit became Synchrony Bank, it clearly taking advantage of in order to keep us in debt.     Thank you for your prompt response and action. We value your  Agency  even though all these crazy people want to get rid of you. As an American, you have my full support and I will continue to fight in order to have your agency around for a very long time.
Product: Money transfer, virtual currency, or money service

I expected a transfer to me from ZELLE. 
The person sending said I was not enrolled, and they couldn't send. 
I called the ZELLE number on the internet page. 
A man with a heavy XXXX accent told me to hold on while he called me from another line. 
He said my account was locked and he could unlock it if I gave him the bank account number. 
I DID NOT give Him anything, I hung up and went to my back and found there was NO issue. 
The BAD guys phone numbers are ; XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINANT HAS THE SAME PROBLEM AS HUNDREDS OF OTHERS ON THE XXXX XXXX XXXX WEBSITE. A REVIEW OF HUNDREDS OF XXXX COMPLAINTS REVEALS EQUIFAX FELONIOUSLY FALSIFIES THE ADDRESS OF CONSUMERS WITH SECURITY FREEZES IN ORDER TO FREE EQUIFAX FROM SETTING UP FREE SECURITY FREEZES WHICH COST EQUIFAX A LOT OF MONEY. 
A SECURITY FREEZE FOR AN ADDRESS THAT DOES NOT EXIST IS WORTHLESS. 
STEP2 IS FOR EQUIFAX TO LEAK CONSUMER DATA TO BLACKMAIL CONSUMERS INTO BUYING WORTHLESS EXPENSIVE EQUIFAX CREDIT MONITORING. 

CORRECT MY ADDRESS NOW AND CONFIRM IT IS CORRECT ON PAPER. 
NO TEXT. 

EQUIFAX CONSIDERS THIS WRITER DEAD. THEY SAID THEY CAN NOT FIND ME. 

I WANT SECURITY FREEZE AND I WANT NEW PIN NUMBER NOW AND I WANT IT BY USPS ON PAPER. 

I AM NOT THE SUPER COMPLIANT ROBOT THAT EQUIIFAX, THE TAX CHEAT OF XXXX, WANTS. I DIDNT HIRE EQUIFAX BUT EQUIFAX DOES NOT COMPLY WITH THE LAW. 

EVERY TIME I CORRECT MY ADDRESS FROM INCORRECT XXXX XXXX XXXX TO XXXX XXXX XXXX XXXX FELONIOUS EQUIFAX CHANGES IT BACK. IT IS VINDICTIVE AND DELIBERATE-NOT INCOMPETENT. IT ENABLES EQUIFAX TO EVADE THE LAW.
Product: Credit reporting or other personal consumer reports

reporting late payments violates consumer according to 15 USC 1666b ( Fair Credit Billing Act ) : This section primarily deals with billing errors on credit accounts. It ensures that creditors respond promptly to complaints about billing errors and do not report erroneous information to credit reporting agencies ( CRAs ) during the investigation of such errors. 

15 USC 1637aa ( Truth in Lending Act ) : This section requires creditors to provide accurate and timely disclosures of credit terms and conditions to consumers. It also governs how credit transactions are advertised and marketed.
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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in an identity theft report regarding hard inquiries on my Equifax report by providing a police report & Equifax ignored this by leaving the information on it. This lets me know that they arent following the FCRA because if a consumer provides a valid police report then the information has to be deleted from the file.
Product: Mortgage

My balance is off. They made us do a loan mod. They changed terms without us knowing also charged XXXX for mod that we didnt need. They are not crediting our loan with payments made since XX/XX/2019. Insurance and taxes are said that we still owe. 
They lost our insurance money to rebuild from hurricane Irma XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXXXXXX 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: Checking or savings account

I set up an account with chime someone else help me at the time and my credentials that I had didn't match what they had the last thing I knew my account was suspended until a deposit had been made. Then come to find out my account has been active. Don't know who was using it so I had to close my account and chime will not let me open a new account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Student loan

XXXX XXXX sent me a letter saying that his company helps lower student loans. Turns out hes a scam and he has all my information. His email is XXXX and his phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've submitted a complaint twice and I need to get this issue resolved. I have a inquiry that I did not allow to be on my credit report. I 've called and reported and no one has been helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to the Non-compliance of Experian and XXXX credit Bureaus. 

They failed to remove information affiliated with personal information hat were previously challenged and deleted. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold to the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is removed. FEDLOAN  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$70.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$21.00}, XXXX XXXX XXXX XXXX Balance : {$12.00}, XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX Account number XXXX and XXXX XXXX  Bankruptcy reference number XXXX has v

iolated my rights. 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction.
Product: Checking or savings account

per terms of cash app terms and conditions funds should be able to be transferred to bank account attached to cash app account.
Product: Credit card

I have had a XXXX branded XXXX XXXX credit card from FIA Card Services for a couple of years. I have always paid the bill on time and in-full. In XXXX of 2015, after a string of occasions where the credit card became " locked '' due to suspected fraudulent activity, I elected to cancel the card. I phoned in on XXXX and asked for my account to be closed. Rather than closing my account, they reissued a new credit card. To my horror, I learned in XXXX that the account was actually still open and that they were posting charges to it XXXX including some, it seemed, that were back-dated to XXXX and XXXX but had never appeared before ). I XXXX again asked for the account to be completely cancelled. They assured me it would be. It was not. I then called again, on XXXX XXXX and spoke to XXXX people XXXX XXXX and XXXX in 'Credit ' ). They said " not to worry, the account was fully cancelled '' but that certain recurring charges might still post. I asked them to fully cancel and deny any recurring charges. They said they would see what they could do and would call me back. Which they never have. Now, in XXXX, the account still appears to be open with charges recurring. I feel trapped by this company ; they are clearly keeping my account open for credit purposes. And while I have been paying the bills in full, I simply want the account cancelled. I have never had this experience with a credit card company -- where they promise to take a specific action and never do.
Product: Credit reporting or other personal consumer reports

Under the FCRA ( Fair Credit Reporting Act ) Consumer reporting agencies are suppose to exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy 15 USC 1681 sec.602. Consumer reporting XXXX, XXXX, and Experian are the agencies and I am the consumer. I have the right under 15 USC 6801 that says... 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. Under 15 USC 1681c ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX XXXX, XXXX and Experian are in violation of my non public personal information. 15 USC 6802 states... ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX, and Experian are in clear violation of one or multiple versions of these laws as well as 15 USC 6802 ( 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. I was not given the option by any of these institutions to not disclose my non public personal information. 15 USC 1581e says ... 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. Experian, XXXX and XXXX are not following the law. 
Under 1016.7 ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. It is my right to opt out of these reporting agencies and at this time I am excising my right.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt or credit management

I was told that my debt got canceled due to the student loan debt relief .also it shows that the amount is wrong and it's providing what I believe is private information and due to the fair credit reporting act I believe my civil rights are being violated I would like this handled and for my credit to be taken with the utmost importance as the credit scores showing on my report are depriving me of my life and liberty along with effecting my whole family
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised with these companies.XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and A lot of repeated inquiries
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the actions of the 3 major credit bureaus and their failure to comply with the requirements of U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit report has been impacted by negligent actions, errors, and inaccuracies in violation of the FCRA, specifically under 1681o, and these violations have been associated with multiple accounts. These accounts, which are linked to inaccurate or outdated information, have been incorrectly reported on my credit file, negatively impacting my credit score and overall financial standing. Despite my attempts to resolve these issues with the credit bureaus, no satisfactory action has been taken to correct these discrepancies. This failure to correct the inaccuracies constitutes a violation of 1681o, as the credit bureaus are negligently noncompliant with the requirements to maintain accurate information in consumer credit reports. 
As a consumer, I am entitled to accurate credit reporting, and these violations of the FCRA have caused harm to my credit and, by extension, my ability to obtain credit under reasonable terms. I respectfully request that the CFPB investigate the negligent noncompliance of the credit bureaus, ensure that they are held accountable for the violations under U.S. Code 1681o, and assist in the correction of the inaccurate information associated with my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # : XXXX I am an ongoing victim of identity theft and the XXXX Equifax cyber security breach. 

I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX. This letter indicated that I requested service at XXXX, was subject to a credit check and was furnished with a result indicating the need for a deposit to further guarantee service. I have no accounts registered in my name with XXXX and I have not requested new service with XXXX at point in recent time. 

This report was generated from : LexisNexis, XXXX XXXX XXXX ATTN LexisNexis XXXX XXXX XXXX, GA, XXXX ( XXXX ) The actual date of the consumer report was XXXX/XXXX/XXXX. 

The score was impacted by " incomplete information on file and identity elements not fully verified at the time the report was requested ''. This was an unauthorized request, and since verification information was missing, this was an incomplete request using stolen information from my identity.
Product: Debt collection

We have received multiple calls from an XXXX number claiming to be Wakefield that just says it is related to debt collection. We do not have unpaid debt with anyone. I think it is a fraudulent call and therefore am not calling them back.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my Credit report, leaving inaccurate or unverifiable accounts unresolved. The Co sumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed