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

XXXX XXXX is reporting on my credit late payments on my credit files which i was never late with them i was all ways on time even early then i got a new car and the new company paid the rest of car off which arrived by the due date so even the other dealerships payment was never late. 

Account number XXXX
Product: Credit card or prepaid card

I applied for an XXXX XXXX XXXX on XX/XX/2022. 
The physical card never arrived to my home address, it was intercepted, therefor I did not get a chance to activate the card, never mind, complete transactions. With this being my credit card is being used physically and online by an unauthorized individual. 

Below are the multiple attempted charges on the card on XX/XX/2022 : - $ XXXX XXXX - $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is the unauthorized XXXX XXXX the card completed on XX/XX/2022 : - $ XXXX I have an outstanding balance of {$66.00} due to the delay payments of the card and the charge of XX/XX/2022. 

This information is according to a Chase representative who I spoke on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please discard the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>2025 XXXX XXXXXXXX XXXX XXXXXX/XX/year>2025, XXXX XXXX XXXX XXXX  XXXX/XXXX/2025
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) sections 602 ( a ), 6801, and 1681, consumer reporting agencies like Equifax and XXXX must handle their duties fairly, impartially, and respect consumer privacy. As a consumer, I have the right to prevent sharing of my private data without consent, as stated in 15 USC 6801. 15 USC 1681 section 604 ( a ) ( 2 ) mandates that consumer reports can only be furnished with the consumer 's written instructions.

Financial institutions, considered furnishers of information to credit agencies, must respect customer privacy as per 15 USC 6802 ( b ) ( c ). The FCRA prohibits disclosure of nonpublic personal information without informing consumers of their nondisclosure options ( 15 USC 6802 ( b ) ( c ) ). Equifax and XXXX failed to inform me of this right.

According to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies can not include adverse information without authorization, violating the seven-year reporting limit. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information, and 15 U.S. Code 1681e mandates reasonable procedures to avoid FCRA violations, which Equifax and XXXX are not following. 

As outlined in 12 CFR 1016.7, I retain the right to opt out of these reporting services at any time, which I am exercising now
Product: Bank account or service

bank of America has a atm suspicious activity program which use to be voluntary but now seems to be mandatory. although some still say you can opt out, I try what they say to do it but so far no luck. this sounds great in theory but it is actual harassment. they freeze you card, the only way you know it is them is by e-mail or phone call. if your in a store and do n't have a cell phone, your screwed as everyone thinks your out of money or them the trans has to be void and you leave in shame and once you get home and call them or get the e-mail, then your on hold to get to a person for XXXX minutes, then the person wondersw why your upset- well duh!!!!. then in my case since I was at the drug store getting medicine I have to face the embarrassment of going back there to finish what I started. this would not be so bad if I had not already done what the rep told me to do last month when they froze my card for suspicious activity at the same store. so when I got the rep on the phone I went through the list of where I work, where I shop, the drug store, everywhere I might use the card so this would not happen again, they said that this was what I needed to do since they could not find a way to opt me out of this nightmare. low and behold I get up on the day before XXXX, buy a XXXX book from XXXX, which I told bank of America I was a junkie for, and go to the drug store and post office, which I told them I go to and guess what, they freeze it and I have to walk out the drug store, no medicine XXXX drive home check the mail, call them, wait on hold XXXX minutes, answer stupid questions all for a im sorry, then go through the embarrassment of going back to the store and not having them think I am a broke moocher. if bank America would go back to letting this be optional or finding a way to let people opt out of this esp if they already have this service from others then things would be a lot better
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

XXXX XXXX XXXX XXXX This account does not belong to me XXXX XXXX  XXXX account was never late it was paid as agreed XXXX XXXX XXXX account never late paid as agreed adressses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On my Citibank credit card, I had 2 balance transfer offers with different rates. Offer 6 had an interest rate of 0.99 % which expired on XX/XX/XXXX and was transferred on XX/XX/XXXX to the Standard Purchase rate of 19.99 %. Offer 5 had an interest rate of 1.99 % which does not expire until XX/XX/2022. The minimum payment due on XX/XX/XXXX was {$130.00}. When payments were made on XX/XX/XXXX and XXXX, the minimum payment due should have been applied first to any interest due, then to the lower interest rate balance of Offer 5. The remainder of the payments should have been applied first to the balance with the higher APR, which was the standard purchase balance from Offer 6. Another payment was made on XX/XX/XXXX, which should have been applied in the same way and would have paid off the standard purchase balance from Offer 6. For some reason Citibank transferred the balance of Offer 5, which was not supposed to expire until XX/XX/2022, to the standard purchase rate. There is no record of that transfer on either my XXXX or XXXX statement, as there is for the transfer of Offer 6. I am uploading copies of the letters I sent to Citibank and the letter and statements I received in reply.
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. 

XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX ( Original XXXX : XXXX XXXX  ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, 15 U.S.SC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX and my XXXX XXXX motorcycle was part of that. On XX/XX/XXXX I filed my first dispute when the account popped up in my Equifax report that I missed payments, had late payments and still owed over {$7000.00} on the mortorcycle and it was charged off and not included in the bankruptcy. This was fixed, until XX/XX/XXXX and it all came back again and I filed my second dispute. This was fixed, until XX/XX/XXXX and it all came back again and I filed my third dispute. This was fixed, until XX/XX/XXXX and it all came back again and I filed my XXXX dispute. This was fixed, until XX/XX/XXXX ( ticket # XXXX ) and it all came back again. I then contacted XXXX XXXX and my attorney to get them involved. XXXX XXXX states they never reported any of the information they have my report and they also filed a form stating that. Also, this time Equifax had the motorcycle reported TWICE. One was reported correctly and the other was all messed up. This was fixed, until XX/XX/XXXX ( confirmation # XXXX ) and it all came back again and this time I contacted Equifax and they told me they had nothing from my XX/XX/XXXX complaint and they also informed me they didnt show me filing bankruptcy!! So now, notes on my account are being deleted and so is my public information. I have been trying to buy a house and this keeps messing that up for me. I have had perfect credit since I filed bankruptcy and this is the only thing messing me up. My score dropped XXXX points because of this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a notarized affidavit was sent via certified mail and the consumer reporting agency has not complied with the legal and lawful demand to block information on the basis of a misrepresentation of fact. This complaint is a further claim and additional evidence to make the Consumer Financial Protection Bureau aware of the breach of contract on the federal level. Please see attached documents so that you are well informed.
Product: Debt collection

In order for my cousin XXXX XXXX to received needed XXXX XXXX ( XXXX ) the dentist office offered a card called CareCredit issued by GE Capitol Retail Bank. My cousin had very poor credit so I cosigned a form which showed a " credit line of {$3300.00} '' ( see attached ). The account number was XXXX. The card was granted and my cousin had the work performed on her XXXX. Months went by and I received a call from CareCredit/XXXXXXXX XXXX telling me that my cousin had missed a payment. I asked about the balance of the card and I was told it was over {$10000.00}. I paid the past payment and I asked why the balance had gotten so high without my authorization. I was told that since my cousin was the primary card holder, she could increase the credit line without my authorization. I was told this was in the Ts & Cs.

If the credit of the primary cardholder is so poor they needed a co-signer, why in the heck would the bank not included the co -- signer authorization when increasing the credit limit.

I later asked for a copy of the Ts & Ss and I received a letter from XXXX XXXX ( see attached ) that since my form was 'taken electronically '' that a paper copy was not available. I was planning on fighting them but that would result in my credit history being damaged. Due to an interest rate of over 30 % I finally paid off the balance and my cousin is paying me back. I recently found out that I have a ding on my credit report from XXXX XXXX for a late payment. 

How in the heck can banks operate like this? First they provide false information, do not provide the required paperwork and then submit a late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit history on the EXPERIAN website. Soon after I began receiving numerous, daily emails from this address : Experian XXXX. The content addresses credit card offers, insurance, etc. 

In addition, offers from various other companies like XXXX XXXX send unsolicited emails. 

I click the " unsubscribe '' button on each of the emails to no avail. They just keep coming. 

I have contacted customer service, been transferred to several people, none of whom handle fraudulent emails. They blame the " dark web '' and offer to freeze my account. 

I suspect the chain of offers stems from Experian 's sale of personal information. I have not been spammed in the past and can not make any other connection.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
MEDICAL I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Product: Debt collection

XXXX and Midland Funding are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit card company XXXX XXXX  on XX/XX/22. Was informed that collection agency XXXX XXXX and the internal collection has my account and I was transferred to them. The representative from XXXX XXXX told me that they are not servicing accounts in NC due to state restrictions. If no one is servicing my account and I have no way to reach out to anyone for information then she not be reporting the account on my credit report. All I ask is that someone talk to me so I can come up with a payment plan or settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and these are the accounts that I am requesting to be removed from my credit report : XXXX XXXX : {$51.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I was unable to make a purchase without a security code text message. I had no access to my cell phone at the time of my transaction. I was prompted to call a company number for assistance if unable to verify through that method ( text message ). Upon multiple transfers to various departments I spoke to someone who could help verify my account without my cell phone. Her question was regarding my horescope, XXXX, XXXX and other astrology terms Im unfamiliar with. I told her I didnt know what that was but I could google it. I was scorned and told this was not allowed. I told her I would just have to pay for my transaction with a debit card and thanked her for trying to help me. Later that same day ( I now had my cell phone ) I attempted to call customer service again to resolve the issue. I was informed my account was canceled after failing to provide the information requested because of potential fraud. I did not violate any terms, and I attempted to follow up only a few hours later. If the concern was fraud, why didnt anyone attempt to notify me? No freeze on my account, no email, no phone call? There were no transactions that were suspicious on my account. Ive never heard of getting an account closed without even trying to speak with the consumer. Its a horrible way of doing service. I was unable to make a purchase and when attempting resolution I was met with ridiculous expectations to meet. Utilizing ONE incorrect astrology question as a reason to terminate my account is discriminatory. Had I been a follower of astrology my account would still be open.
Product: Credit card

XX/XX/XXXX received notice that I was getting a credit card sent to my address. From my bank. Didnt apply for it. Bank will cancel it. But feels like my ss number was compromised
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To the best of my knowledge and memory I make the following statements. XXXX XXXX XXXX ... 2 separate incidents on 2 separate calls on XX/XX/2018 in regards to myself asking about what is a " consent to release form. XXXX XXXX ... think I have last name spelled correctly may or may not have misled me. He stated that the consent to judgment was " basically the same letter " that was emailed to me earlier ( settlement agreement ) and that it would be my way to agreeing with the settlement for lower amount ... also, called XXXX XXXX lawyer and spoke to a woman. I asked her to connect me with the attorney to please explain the papers sent. She said that the papers were sent earlier that day ... ... in the same conversation she stated to me about the rule 11 and consent to judgment " if you do t sign it we will take you to court '' these statements are concerning to me. Are they to you?
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should have deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by a data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account name Account number XXXX XXXX XXXX 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 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.