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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX, Ga XXXX Transunion XXXX XXXX Inquiry 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: Debt collection

My credit card was used by an unauthorized user between XX/XX/XXXX-XX/XX/XXXX. I was unaware until I started receiving debt collector calls. When I ask what their protocol is on disputing debt, where I could send complaint or disputes, I was always transferred. I would call XXXX and was told to call XXXX. They could not help. The referred me to XXXX who also could not help and referred me back to the XXXX. I have been able to close the account and just recently gave them my correct address. Credit cards statements are still being sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, which I have NEVER lived at. Whenever I ask whom to contact to dispute the calls, I am referred back to another phone number that tells me to pay a lump sum. Most recent calls were made on XX/XX/XXXX, XX/XX/XXXX No one has been able to address my needs, give me a confirmation number, or a protocol dispute a debt
Product: Debt collection

Weote to this company a few times about them trying to collect a debt that they arent legally able to do so. 
They are not licensed to collect any debt in my state and couldnt provide me with proper licensing
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the results of my initial dispute and request for the removal of charge-off accounts from my credit report. Despite my previous efforts and the passage of a reasonable amount of time, these accounts remain on my credit report, negatively impacting my creditworthiness and financial well-being. As a result, I am filing a formal complaint and requesting that the credit reporting agency takes further action to rectify this matter. 

I initially disputed these accounts, providing comprehensive documentation that supports my claim that these accounts were inaccurately reported. Despite my efforts and the legal requirement for accurate and fair credit reporting, these accounts have not been corrected or removed from my credit report. 

I would like to highlight that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these charge-off accounts continues to damage my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these charge-off accounts, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the disputed charge-off accounts from my credit report promptly, as required by law, if they are found to be inaccurate or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these accounts, and a written explanation for any accounts that were not corrected or removed. 

I understand that accurate credit reporting is crucial for maintaining my financial stability and obtaining essential services. I expect that you will take my complaint seriously and resolve this matter promptly to ensure fair and accurate reporting of my credit information. 

Please acknowledge receipt of this complaint within 30 days of your receipt of this letter. Failure to do so may compel me to take further action, including seeking legal remedies to address this issue. I am asking for your assistance to remove these charge off accounts : XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX  XXXX Balance : {$520.00}.
Product: Checking or savings account

I have been with Wells Fargo since XXXX. I have had several accounts throughout the years and I've had to replace my card. I am filing a claim with the current Settlement with Wells Fargo. I have been working with the XXXX XXXX and I am not sure if it is legit. I gave the my checking account information. So I want to make sure that I am on the right path. The XXXX XXXX  has been sending me emails about the Wells Fargo claim for a while now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/2017 kohls/Capone reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Bestbuy/CBNA is reporting 4 wrong late payments in my credit report, so this is a mistake that is affecting me get a new credit or other financial products ... these late payments was on XXXX, XXXX, XXXX, XX/XX/2020, ,I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unsure as to what this account is about. There's also a report date of XX/XX/20 on my report that is incorrect and false. Please do not respond with an automated message.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

Last month my XXXX ordered google play for XXXX times. We did n't know his tablet will connect my paypal account with my husband 's debit card. After talking to XXXX from XXXX. They were able to refunded XXXX out of the XXXX orders a total of {$240.00} USD. 
However Navy Federal Credit Union refused to credit those refunded items after filing an unauthorized transaction form and charging {$29.00} for every single overdraw transactions since the account did not have enough money from the begining. Nfcu requested a letter from XXXX and paypal with the word FRAUD. google give us a letter of the issue. XXXX does n't because they were just in the middle of the mess. Our NFCU joint account was negative for more than XXXX. They suggested to closed account until clarified issue, but when i received a TAX REFUND in my personal account for more than XXXX they transfered that amount to the bad account without inform us. That tax $ was to pay bills and yes their credit card. However after several tries and the fax we sent NFCU Keep arguing they need to see the word FRAUD in the letters. Why XXXX understood the situation of my son with XXXX clicking without knowing and the bank wants to see the word XXXX? Why do the take our $ and transfered in to a now closed account and charged us XXXX overdraw fees for & lt ; XXXX times? When google refunded XXXX out of XXXX orders. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing on my credit report and I have asked for proof and not getting any where with the creditors or the bureaus
Product: Debt collection

The calls from XXXX XXXX are not only harassing and unnecessary but disruptive and costly. In a single day alone I receive a minimum of 6 calls per day that begin as early as XXXX ( as they did on Tuesday XX/XX/year> ) and as late as XXXX ( as on Friday XX/XX/year> ). This is the minimum, unlike the most calls, which was 11 on Wednesday XX/XX/year>. 

On 3 separate occasions ( XX/XX/year> & XX/XX/year> & XX/XX/year> ) I have contacted them to ask them to stop calling me and was met with snide remarks or was hung up on but the calls have not stopped. My attempts to block their numbers have been futile as I have received calls from now more than 50 different phone numbers from them. 

They also are not reflected on my credit report as the company they claim to be representing. This feels like a violation of privacy, violation of confidentiality, breech of terms, and not to mention the constant calls draining my phones battery, interrupting important life events, and causing an overall decline to my health and wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Product: Credit card

I recently discovered that I was " enrolled '' in a credit card protection insurance plan for my Macy 's credit card. I called and cancelled the plan, but discovered that I have been enrolled in the plan since the date that I applied for the credit card in XX/XX/2009, and have been paying this " insurance '' for close to 8 years and have spent a total of {$290.00}. I believe the insurance/credit protection company is called " XXXX direct, XXXX, and they are affiliated with Citi Credit Cards. I called to obtain their exact name, and even this was an issue. They informed me that their name was " XXXX '' affiliated with XXXX. They claim that you specifically enroll in this program when you apply for the credit card ; however, I would clearly never explicitly opt in to a scam such as this. I am sure that I am not the only person that is experiencing this " surprise. '' These companies should have to obtain your explicit consent to enroll you in this program, and should also e-mail/and send you monthly communications, allowing you to be aware of not only the amount of money that you have paid them, but also so you are aware that you are even enrolled in the program.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit dossier. Can you verify the paperwork? Certain accounts listed exhibit inaccuracies concerning reporting, including erroneous amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year> & XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

No theft protection service provided ; Im a victim of YOUR breach. I began remedying, but hackers prevented me from proceeding back in XXXX! I ran my emails and it came up that I was a victim of your breach. In fact, I caught on to these hackers XXXX XXXX, however according to running my emails to see who has my private info, it goes back to XXXX, and they are STILL HACKING ME, wrecked my credit, broke into my home, wrecked everything I own, run my electronics remotely ( per police ), yet nobody is helping me! My vehicle was repoed illegally as my account was current! Here were 2 other social security numbers on my credit per XXXX ( Im a victim of their breach, so I just found out ). I had them removed. One ended in the year I was born! When you see additional social security numbers on an account, other than the one belonging to the person, doesnt that raise a RED FLAG?! Ive contacted you repeatedly to put security on my file. Then, got a letter in the mail stating it was lifted per MY REQUEST! I never asked you to remove it! But, it was on ALL bureaus! SMH Ive had calls from someone in TX saying all my private information was all over the state of TX! Ive have fraudulent mail saying I owe taxes in a state I never lived or worked in! Hounded me for 3 years! Addresses wrong ; notifications of utilities verifying I requested services in towns Ive never heard of ; getting codes on my phone for my cards and which I never requested ; phone calls, mail, emails for people using my info to get jobs, etc. My phones tapped, per XXXX XXXX, my calls and messages intercepted, emails hacked, stolen, contacts stolen and disappeared off of sites, and tons more. I need help here!! My credit was XXXX 2 yrs ago! My credit scores do not match payments Ive made, paying off XXXX XXXX etc. I demand justification, remediation immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate but the reporting dates are wrong each account has been closed due to fraud.

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 # XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXX ACT # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXXXXXX XXXX XXXXXXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXXXXXX XXXX XXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXX ACT # XXXX OPEN XX/XX/XXXX CLOSED BY COURT ORDER SETTLMENT 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 16 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.

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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have an old debt on my credit report and they keep changing the date that it was incurred. This debt was reported originally in XXXX and its now saying it was opened two years ago. I have disputed it with XXXX a couple of times over the years and nothing changes. I have had no contact with the creditor and there is no reason for it to be re-started. I have attached past reports, showing it being closed and then they re-opened it again in XXXX.
Product: Credit reporting

well my concern is about my credit report I ask the company XXXX XXXX Equifax send my credit report in internet free do n't work for me I thinking they discriminate me my problem was with XXXX XXXX XXXX they send me to collection in XX/XX/XXXX this happened has long time a go let me know you can help me thank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens C me my 281 sw 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Upon Ucc 3-311 Ucc 3-603 Ucc 3-104 Ucc 3-306 Ucc 3-308 Ucc 3-104 Ucc 3-419 HJR 192 without prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent out a letter of dispute to Equifax and XXXX to address some inaccurate and misleading information on my credit reports. My disputes have went unanswered for over 30 days. I sent out a 2nd letter on XX/XX/2021 to follow up on the investigation and still nothing. It clearly states in the F.C.R.A. 611 ( a ) That a failure to investigate a dispute within 30 days gives reason to immediately remove the items included in the dispute from the Consumer Credit Report. It has been over ( 43 Days ) for Equifax and ( 32 days ) for XXXX before they responded to my dispute hence they are in violation of the F.C.R.A. so the items listed in the disputes should be removed promptly. I demand that these accounts be deleted immediately or i will be forced to file for litigation to protected my Consumer Rights. My sensitive data was compromised during the Equifax data breach my information has already been violated once and I stand firm in exercising my Consumer Rights. All of my evidence is attached to this compliant as well confirmation of my identity. 

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

My parents closed an account that was opened to pay off a car. My name was also on the account but the credit card was never used, they were just advised by the bank ( XXXX ) that the line of credit was necessary to open the account to pay off the car. Again, no credit was used and the credit card was never charged, so the account had a XXXX dollar balance for roughly five years. They closed the account on XX/XX/XXXX and my credit report was updated yesterday, showing a deduction of 108 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around about XX/XX/XXXX XXXX  2020 my car was stolen with all my identification in it. Every since then my credit has been poor. I cant even open a checking account. Or do any thing with credit.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX