23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC : XXXX XXXX XXXX XXXX XXXX XXXX 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 generallf, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a credit card account with Barlcays Bank. I have had the account for 2 years. When they opened the account it was for {$5000.00} credit limit. Over time it was increased to a {$7000.00} credit limit. I have never been late on this credit card at all. Always paid it on time. Today I receive a message that my credit limit was lowered because they did a review on my application. They lowered it to XXXX. Which was lower than what was originally offered to me. Keep in mind about 8 months ago I paid this account down to a balance of XXXX. In that time I was offered to do a balance transfer on my credit card. I took the offer and moved debt from other credit cards over. Now the card balance is at XXXX. The fact they lowered my limit is going to make my credit score look worse. What I am asking for his for them to raise my limit to at least XXXX. The amount they originally gave me for the credit card.
Product: Debt collection

This Company placed a Fraudulent account on my Credit & I have never dealt with or had any contact, did not open an account or owe Any money to. I received an alert from XXXX on XX/XX/XXXX that an account was opened in XX/XX/XXXX & I owed {$670.00}. These people then attempted to Call my Job on Several Occasions, they have been Told to immediately cease contacting me, my job & REMOVE this False information off my credit report. After looking at an old complaint & account that was previously removed from my report, it appears the Acct numbers used are the Same & this Company under a DIFFERENT name now is Attempting to place a false account on my credit & attempt to commit fraud my trying to get money from me, but now under a different Company name. I have filed disputes with all 3 Credit bureaus about this & also filed complaints with XXXX against them.
Product: Debt collection

Fidelity Information C XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Was placed in collections by this company. Received NO notice or any other information about this debt or any action concerning it. 

Doing this without notification is a violation of law. 

If they can place it on my credit report, they obviously have enough info to locate me. 

This is an invalid debt from an apartment complex in which I never lived. 

Have tried to contact them via phone, but have refused to discuss the mater.
Product: Credit card or prepaid card

Today I received notification that Citibank is reducing the limit on all my accounts to just above the outstanding balance and would not provide a reason. I have not missed any payments and the account is not delinquent. 

When I reached out to Citibank and asked how to request a review of this decision, I was told I can not apply for a credit limit increase until XX/XX/2021. I am not asking for an increase - I am asking for the reversal of a negative action on my account that is unwarranted.
Product: Debt collection

I XXXX XXXX, am submitting this complaint without any influence from a third party or agency. This notice is to inform you that you unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected consumer rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15USC 1681b permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offense amount to Aggravated Identify Theft pursuant to Title 18 USC 1028a. You have knowingly transferred, possessed or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability. You are also in violation of 15 USC 1692g. My written instructions are for you to delete this account immediately Ive disputed this on multiple times in XX/XX/year>XXXX  & XX/XX/year> and it was removed off XXXX and as of XX/XX/year> it has been placed back on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with the credit bureaus and the credit company. This is a fraud account, i did not co sign a loan. I have disputed this account 3 times and the credit bureaus have refused to remove this account from my credit file XXXX has also re-inserted the fraudulent address back onto my credit file exposing me to more fraud. the account is as follows AUTO TRACK LLC XXXX XX/XX/2015 THE FRAUDULENT ADDRESS IS AS FOLLOWS XXXX XXXX XXXX, XXXX MI XXXX I HAVE INCLUDED THE POLICE REPORT AGAIN
Product: Debt collection

My identity was stolen around XXXX to XXXX. A XXXX account was opened in my name. I have never been a XXXX customer. I have attempted to resolve this issue with XXXX in XXXX by contacting their fraud dept and submitting the required dispute form, my ID, and a police report. Nothing was ever done. I began receiving debt collections notices from a company named XXXX in XXXX. An account for the amount of {$1400.00} appeared on my credit report under the name XXXX in XXXX. I fi led a fraud report with XXXX, and the three credit agencies. Again, nothing happened. As XXXX I have now began receiving debt collection letters for the same amount of {$1400.00} from XXXX XXXX. I have never been a customer ofXXXX I did not open this account. My identity was stolen. I am not responsible for this amount or account. i will not be paying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute submitted to XXXX, Equifax and XXXX  on XX/XX/2020. The reporting agencies have failed to removed the items being disputed, I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A REQUEST TO XXXX XXXX TO STOP AND FREEZE MY ACCOUNT AND THEY SAID NO I SENT IN MY ID AND SOCIAL SECURITY CARD BUT THERE SAYING IT WAS NOT ENOUGH INFORMATION THEY NEED MORE STUFF SO IM SENDING MORE PAPERWORK AS OF TODAY
Product: Credit reporting or other personal consumer reports

XX/XX/23 - At the outset of the month, my husband conveyed to XXXX that we could collect the remainder of our belongings on the XXXX or XXXX. 

XXXX XXXX refused, stating that she has reclaimed ownership of the unit, leaving us unable to retrieve any of our belongings. 

XX/XX/23 - On this date, I reached out to the collection agency to inquire about a debt they had placed on my and my husband 's credit report. 


XX/XX/23 - On the specified date, I notified the third-party collection agency that XXXX had withheld our personal property after the lease expired on XX/XX/23. 

XXXX The collection company informed me that since XXXX had this in her lease ( ILLEGAL ) that it was okay. They informed me to refer to Section 35. 

XXXX I responded via email - Furthermore, I would like to address the issue of retrieving personal belongings. As per Section 83.67 of the Florida Statutes, a landlord can not include provisions in the lease agreement that waive or limit a tenant 's right to retrieve their personal belongings after eviction or termination of tenancy. It is my understanding that any provision in the lease or rental agreement that attempts to modify or waive a tenant 's rights under Chapter 83 is deemed void and unenforceable. In light of this information, I would appreciate it if you could provide evidence that my personal property is or was in storage. 



I've tried to address this matter with the third party, but they neglected to investigate the unlawful withholding of our belongings. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX responded Concerning the personal property left at the apartment, this matter falls under the purview of the propertys management. Our agency 's scope does not cover landlord-tenant issues, so we advise addressing this directly with the propertys management team. 



XXXX I informed the third party collection agency that XXXX XXXX hasnt responded to ANY of my emails. 
XXXX I reached out via email again to the XXXX XXXX XXXX XXXX XXXX informing them on the no response from the Company that theyre collecting this debt for. 
XXXX I followed up again. Still NO RESPONSE from either company. 
XXXX I followed up again. Still No RESPONSE from either company. 



The XXXX XXXX XXXX XXXX XXXX also failed to inform me of my rights to dispute. Instead, they directed me to contact XXXX XXXX for details on storage fees and photos confirming the safekeeping of my personal items. 

XXXX I done exactly what XXXX XXXX XXXX XXXX XXXX told me to do which was contact XXXX XXXX I sent them an email. 

XXXX I followed up again via email. 

XXXX I followed up again via email. 

XXXX I followed up again via email XXXX I followed up again via email. Still no response. 



Additionally, not only was our personal belongings held ILLEGALLY and UNLAWFULLY but my husbands and our confidential information was disclosed to an individual without proper justification, unrelated to the XXXX XXXX XXXX XXXX XXXX did not maintain the confidentiality of our private information.
Product: Credit reporting or other personal consumer reports

Account # XXXX opened- XXXX XXXX amount- XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX system are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ).

Regrettably, I have not been duly informed by XXXX XXXX system of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect.

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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

XXXX, XXXX and Transunion is reporting medical debt that doesn't belong to me. Ive written a letter in XX/XX/2022 and responding with saying the debt has be verified with no prove on how the debt truly belongs to me.
Product: Debt collection

I trust this letter finds you well. I am writing to bring to your attention a matter of urgency concerning inaccuracies on my credit report. Upon a recent review, I have discovered the presence of late payments on my account, and I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I understand the critical importance of maintaining an accurate credit history, and it has come to my attention that the reported late payments do not accurately reflect my financial responsibility. I am confident that this discrepancy is a result of an error, and I am seeking your immediate intervention to rectify the situation. 

I kindly request that you conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. If there are any supporting documents or information required from my end to expedite this process, please do not hesitate to inform me. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies must ensure the accuracy of the information they report. I trust that you will handle this matter with the utmost urgency and adhere to the guidelines set forth by the FCRA. 


Thank you for your cooperation and understanding.
Product: Credit reporting or other personal consumer reports

They are vailating my rights according to the FCRA. Experian never provided proper validation of the accounts that are in dispute including inquires according to the FDCPA 15 USC 1692 g I was never provided a sign affiliated under penalty of s from the furnisher stating that the account Information being provided is 100 % accurate according to law. Experian was to conduct a proper investigation to provide the documentation outline above.
Product: Credit reporting or other personal consumer reports

I am employed by a home building business. A couple years or so ago, I opened a credit card at XXXX XXXX for that business. Only to later find out, that I was unaware of the fact that that credit card was tied to my personal credit, not the business or the business owner. I do remember giving them the business information for the account, not even sure how it got connected to my personal information. That was never explained to me while opening the credit card. The woman in store who opened that account for me knew that it was to be opened for a business ( not my business ) and did not advise to have the business owner present for opening of said credit card. 

Fastforward to XX/XX/2025, the business owner wanted to increase the credit limit on that card, so we called and inquired about an amount increase. Prior to asking for that increase, it was not disclosed that there was going to be a hard pull on my personal credit, not to mention the fact that I had no idea this supposedly " business '' credit card was even connected to my personal credit. It was only after the woman increased the credit limit that I had to take the initiative to ask if it was a hard credit pull ( thinking it was a hard pull for the business owner and realizing that should've been disclosed ) and then I was made aware that it was a pull on my personal credit, not the business/business owner because it is not a business credit card account, but has to be tied to a person and I just so happened to be that person because I was the XXXX in store opening the account ( none of which was disclosed or explained to me in store ). I have permanently closed that credit card, and I am requesting a reversal on the hard credit pull since I was never made aware of the hard pull on my personal credit prior to the inquiry. Home Depot and Citi Bank recorded the phone conversation. If they will give you the recording, it is clear that the hard credit pull disclosure was never made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account went unpaid with XXXX ( XXXX financing XXXX card ) and it was sent to a debt collection agency called ERC. 
I agreed to settle the account with ERC For {$710.00} with reference number XXXX. I received the agreement from ERC saying that the account has been settled on XX/XX/2017. However the account still shows unpaid and unsettled on my credit report. Upon calling ERC I was told that this account has been transferred back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are constantly reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX XXXX XXXX {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$150.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$91.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX : XX/XX/XXXX Balance : {$99.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX : {$91.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$58.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$160.00}
Product: Checking or savings account

My check # XXXX in the amount of {$4700.00} dated XX/XX/22 payable to the XXXX XXXX XXXX XXXX XXXX was deposited on XX/XX/22 to an account not belonging to payee. I completed a notarized fraud claim to the Bank of America faxed on XX/XX/22 and and mailed on XX/XX/22. 

Th fraud department at the Bank of America does not answer the phone so I don't know the status of my claim..
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I have been a victim of identity theft since XXXX. I took it upon myself to turn in all documents related to my identity theft to send to the three major credit bureaus to prove a solid case against items continually showing on my credit reports. This process goes as far back as XX/XX/XXXX. Since then XXXX  has completely mixed my file with other individuals resulting in over 36 negative accounts being added to my report and causing a very depressing drop in my credit. Each week XXXX  would report a new item being removed but it would still remain, this makes my score down even more. I've sent documents certified mail, I've called and Emailed and now, reports that have been removed just keep reporting. Something needs to be done immediately as this is sending me to suicidal thoughts. If an item has been removed and proof was giving, how can they keep reporting inaccurate information? That is illegal and I am ready to file a complaint and sue. I have been homeless due to not being approved for housing because of negative items that have been proven aren't mine but continue to be reported. I am not at all ok. Experian and XXXX  are doing the same exact thing. Removing accounts and stating they are blocked but reporting them every month even when it's proof they have been removed but put back on. This is illegal and I want to sue them all.