23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under
paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XX/XX/XXXX XXXX  XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX unknow creditor inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my consumer report and found many accounts that were fraudulently being reported. I sent a letter to XXXX, Experian and XXXX disputing these erroneous accounts in XXXX of 2022. The accounts have not been removed and I have not received a response. 

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of an unauthorized and fraudulent account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure the accuracy of the information reported and to conduct a thorough and fair investigation when a consumer disputes an error. 
The account and inquities in question, are listed below, does not belong to me and was fraudulently opened without my knowledge or consent. This false information is negatively impacting my credit profile, and I demand that it be immediately removed from my report. 
Additionally, as recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) have demonstrated, consumer reporting agenciesincluding yourshave engaged in unlawful practices such as : Conducting sham investigations that fail to properly address consumer disputes. 
Uncritically accepting inaccurate information from furnishers, even when it is clearly unreliable. 
Reinserting previously removed inaccurate data without proper verification, in direct violation of the FCRA. 
I will not tolerate any such violations in the handling of my dispute. As required by federal law, you must conduct a proper investigation, communicate directly with the furnisher, and provide me with a clear resolution. If this fraudulent account is not removed immediately, I will escalate this matter by filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Enclosed, I have provided a identity theft reports, FTC reports, to further support my claim. I expect written confirmation that this account has been permanently deleted from my credit report within the 30-day period required by law.

Failure to comply will result in legal action to enforce my rights under the FCRA and seek damages for any harm caused by your failure to uphold your legal obligations. I trust that you will handle this matter with the seriousness it deserves. 
I expect a prompt response and resolution no later than XXXX XXXX XXXX Sincerely, the follwoing Items need to be reoved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the following credit Inquiries need to be removed also I never asked for anyone to pull my 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have charge offs late paymenst and accounts i do not reconized and need to be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my XXXX with Bank of America, with no delinquent payments and excellent credit. My credit score dropped an unimaginable 24 points at once!!!!! The justification stated that the change in score was due to " lack of auto loan and installments, '' I paid off my auto loan with BOA in XX/XX/2020. This is totally unacceptable and not fair. I've been penalized in the past for paying off balances in which my score would drop by 7-8 points. This decline in score puts my rating at XXXX. It's frustrating and totally unfair to be reprimanded for doing the right thing in not accruing any debt. BOA said it's the credit company XX/XX/XXXX, and XX/XX/XXXX sent me back to BOA each pointing the finger at the other. My XX/XX/XXXX level and XXXX XXXX increases at the thought that in doing the right thing by ensuring I don't carry debt I get punished for paying off my bills. In this environment I don't want to worry about owing money especially with me managing my spending I can use savings to assist someone in need. 
Please help in to understand how this continues to happen to me, that my score changes on such a consistent basis and i refuse to take out unwarranted loans or credit cards i don't need. Thank you for any assistance you can provide.
Product: Credit reporting or other personal consumer reports

Identity was stolen and I was informed to file a police report and provide it along with my documentation for dispute with the credit bureaus. It resulted in unauthorized inquiries in my name and fraudulent credit cards in my name as well. 

This police report was requested by the companies and the credit bureaus as a part of the dispute/investigation process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REPORTING TO EXPERIAN )
Product: Debt collection

IN 2013 I wasn't working and had no means of paying my debt. I could not make payments and XXXX refused to work with me. They said I had to pay the minimum. At this time I also had other debt that I was falling behind in. Therefore XXXX sold my information to Calvary SPV l.LLC who in turn hired attorneys to take me to court XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX UNITED STATES US. I did not receive a Certified Letter to let me know what was happening as they claim. Also XXXX refused to work with me. I could not afford the minimum and they offered no resolution, I was in dire straits. I'm XXXX years old and am still paying for debt that I had back then. I've worked hard to clean up my debt and this XXXX DEBT was from XXXX until it was sold to SPV l.LLC who again sending me amounts of payments which I could never afford. They destroyed what credit I have worked to improve and with my not having more years to work and will retire with nothing but Social Security as my main income, I am besides myself that now I am being sued by their attorneys.As I said there isn't a record of phone conversation to XXXX with me imploring them to be patient with me. There wasn't anything except monthly bills and a collection agency SPV l.LLC and now a law suit threatening me that they are bringing me to court and have a judgement against me for the amount of XXXX.I hope that the PREFERRED DIAMOND CARD by XXXX be investigated along with SPV l.LLC and a reminder to XXXX XXXX ATTORNEY I did not receive a certified letter. The Lawsuit was lying on the cement step of a front step which i hardly noticed. No signature required of accepting, just a flat envelope on an entrance I never use.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I attempted to get in touch with Experian a number of times, and it seems like all of those attempts to even try to open up a case were fruitless. They said they would open up a case for me and that they'll let me know if the cases could be resolved or not, but they never followed up. According to my recent credit report request. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR EXPERIAN TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is ( still ) reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX  Inquiry Date XX/XX/2022 XXXX
Product: Credit card

On XX/XX/2024, I contacted Comenity Bank regarding a {$16.00} interest charge on my account. I don't understand why I am being charged an interest charge if I paid the full balance of {$1200.00} on XX/XX/2024 prior to the due date ( XXXX of each month ). In response from the company from the last complaint, Comenity indicated that I would be responsible for the {$1200.00} which I paid on XX/XX/2024 ( before the XXXX ). I had a {$0.00} balance.
Product: Debt collection

After a detailed review of my recent credit report, I found several accounts that I believe are incorrect and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this very seriously. I havent authorized PNC bank to obtain my credit report for vehicle loan. I havent filled out any application to PNC bank. I have clearly mentioned lender I do not want PNC. I request you to update and remove hard inquiry which is damaging my score.
Product: Debt collection

I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt, ,and I was sent a letter with no documentation stating that they have the legal right to come after me for debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida
Product: Credit card

On XXXX XXXX BankAmerica ( BA ) failed to autodebit my credit union bank account for the balance due on my XXXX account ending in XXXX, although my auto debit was still in active status. As a result BA charged me fees and interest and claimed I was in arrears. On XXXX XXXX I began 10 days of calling, emailing, chatting, and writing BA. The problem was not fixed despite numerous acknowledgements that this was a BA error and that the fees/interest would be refunded. Finally I was able to make the payment by phone on XXXX XXXX. But by XXXX XXXX, although BA debited my credit union account for the amount due, the online report of my XXXX account did not acknowledge the payment or show a refund. I have lost XXXX work hours and undergone enormous stress as a result of this consumer service breakdown. I am enclosing the XXXX letters written. The last letter, to CEO XXXX, states what I need to have this problem resolved.
Product: Debt collection

This debt is not from the original debtor. Have not received any additional information regarding debt as requested.
Product: Money transfer, virtual currency, or money service

They said in XX/XX/XXXX they sent me an email to verify my already verified paypal account that I had open for 4 years with them. I thought the email was a scam, so I ignored it. Normally the funds we collected for our business was transferred over monthly. When I tried to do it manually we were locked out. When we finally got a live person, after many attempts to solve this through " message chat '' we found out they would continue to collect payment from our clients but would not release or transfer the collected money to us until we " passed verification '' which was wanting to know what our business is and my passport. 

I have been a veterinarian since XXXX, I now consult and sell supplements by drop ship. We use the Standard Process company for all of our supplements. They are high quality whole food based nutritional supplements with a health care practitioner account. 

Paypal will not release over XXXX of my money and this will put me out of business since this is my working capital. 

Please look into this matter. I have called, chat messaged and all they say... 

" We require a bit more information '' ( Which I have submitted to them ) to make sure we can support the type of business you are conducting. '' You won't be able to do certain things with your account until our review is complete. '' They continue to collect payment from my clients but won't allow me to access it. This is not logical or ethical, how could this be legal. Here is my paypal reference number Reference ID : XXXX. All they say to me is they are waiting for Back office compliance team to sign off on it. They keep saying 5 days but is has been weeks. 

Kindly XXXX XXXX XXXX XXXX
Product: Credit card

I opened my first credit card with Citi bank in XXXX, this was my only credit card for several years. I had a balance for meany years and finally was able to transfer the balance to pay it off. I stopped using this credit card because I did not want to have a balance on it, the last time I used it was XXXX XXXX. In XXXX of XXXX, I received a notification from XXXX that my score had changed, when I logged in online it stated that one of my account was closed, it was my Citi card I opened in XXXX. I was furious because I never received any notifications of my card being closed from the bank!. Especially since I worked in banking for about 3 years, I thought this was very unusual since a lot of products are grandfathered.I called Citi bank right away and said they sent out a notice ( which I never received ) and in order to reopen the card they would have to pull my credit. So now i am confused because they closed my card which resulted in my score getting lower and now they are pulling my credit which would further reduce my credit score. They then said they would send me a replacement card, BUT it was returned ( based on a letter dated XXXX XXXX ). That is weird because I have been received SEVERAL promotional mail to open a new credit card with Citi Bank. When I called back in XXXX ( I had gone to a XXXX ), the customer service rep said that there was no replacement sent. I asked if they could resent me a card and I was told my account was closed again!! So now I AM FRUSTRATED AND ANGRY! They tell me that I would need to have my credit pulled AGAIN in order to determine if they could reopen it. So this is a 3rd strike on my credit because of Citi bank, and now they say that I CAN NOT reopen that card because of my credit!. This seems unjust and unfair because I was left with no option and at the mercy of Citi BANK! please help me reopen my credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX -Present Amounts-unknown XXXX XXXX hackers compromised the data base of Equifax XXXXs XXXX XXXX software and My information was to accessed, I have tried numerous amounts of time to resolve this, my entire credit report has been damaged and mis-reported for over 3 years now because of equifax .
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 card or prepaid card

This account was suppose to be in Covid 19 hold status, it was not. I went online and made a payment. I told the CSR that due to COVID 19 when I would get paid, could I change the due date and or extend the covid 19 hold status. Was told I could not, so I made a payment. At that time I told I would call back in as schedule a payment when I knew what day I would get paid. I did this. Citibank said I didn't and charged me a {$39.00} late fee. I feel that they are trying to take advantage of minorities.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I mailed XXXX XXXX XXXX a Cease & Desist Notice Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX  This letter was delivered to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I demanded cease and desist of this activity as soon as possible within 15 days from their receipt of this notice. Today is XXXX XXXX XXXX  and I have not received any correspondence back from XXXX XXXX This information is still reporting on my consumer credit profile. 

THIS GROUNDS FOR REMOVAL. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX  NOR DID I GIVE THEM PERMISSION TO HAVE MY INFORMATION. THIS IS IDENTITY THEFT. THEY ARE DAMAGING MY CREDIT PROFILE. FDCPA FALSE MISLEADING INFORMATION. A COLLECTION ACCOUNT CAN NOT CARRY A BALANCE.
Product: Debt collection

i am unaware of this alleged debt from UNIVERSAL RECOVERY CORPORATION and i never gotten the notice of the alleged debt within 5 days of them reporting the information on my credit report. If they can verified the information send me the certified mail information with the USPS tracking stating that it was sent within 5 days before posting it on my credit.otherwise i would request that it be delete it from my credit report 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.