23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, the below company made a hard inquiry on my XXXX credit report and I never applied for credit with them. I would like this removed from my report. Thank you- XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

Commenity Bank calls me numerous times a day under different numbers, as well as blocked numbers that show up as unknown and no caller ID. I explained my situation to them a few months ago, that I am unable to make a payment currently, but they continue to harass me. I continuously get no caller ID calls and when I answered, I was hung up on. I received one more call and the person on the line hesitated to answer me, then finally did when I asked them to stop harassing me. This is happening up to six times daily, for the past 4-5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiry had been made : 1. The inquiry was not authorized UCS Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I request you immediately remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Money transfer, virtual currency, or money service

My account was used to send money to an account under XXXX who is someone I do not know. The bank ruled against me since the transfer was created on my phone, but I do not recall sending this random person money. The amount is {$120.00} and I am not being given the money back.
Product: Debt collection

Recently I reviewed one of my credit reports and noticethere were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to theprovisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed itemsmust be investigated or deleted from my credit record within 30 days. - XXXX XXXX  XXXX
Product: Mortgage

Several months ago staring in 2019, I attempted to refinance our home at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I was attempting to refinance {$140000.00} from a 30 year fixed mortgage to a 10 year mortgage with the same company that currently services the mortgage, Roundpoint Servicing Corporation, XXXX XXXX XXXX, XXXX, N.C. XXXX. We paid for an appraisal of {$450.00}. I have called or attempted to call the company on numerous occasions and have continually been put off or told that action would be taken. I have not received anything further in writing and have not received any definite dates when action will be taken. It has been at least 3 months now and I have not been able to get action on this loan application despite numerous calls to the company.
Product: Debt collection

XX/XX/XXXX XXXX {$25000.00} is owed when on XX/XX/XXXX it was {$6900.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized inquiries on my credit report. Despite my efforts to maintain the integrity of my credit profile, these inquiries continue to adversely affect my financial standing. 

I have previously disputed these unauthorized inquiries through your bureau, providing evidence of their unauthorized nature. However, they remain on my credit report. 
Requested Resolution : I request an immediate and thorough investigation into these unauthorized inquiries to validate their legitimacy. If found to be unauthorized, I request their prompt removal from my credit report. 

Additionally, I request a written confirmation once the unauthorized inquiries have been removed, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within [ mention a specific timeframe ] and provide a designated contact person for further communication. I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX at XXXX XXXX XXXX, GA XXXX there are several inaccuracies on my credit report. There is an XXXX  XXXX account that has been previously paid in full it's being reported inaccurately. I'm opening a business and checked my report and to my dismay. I've seen things unbeknownst to me. here are the other accounts that inaccurate : XXXX XXXX XXXX  XXXX XXXX this account was resolved prior to the collections process. XXXX XXXX XXXX XXXX XXXX XXXX this service was also paid in full prior to the collections process.XXXX XXXX XXXX ... xxx, xxx, these account don't belong to me. XXXX XXXX XXXX is unrecognizable and doesn't belong to me. XXXX XXXX is also an account that does not belong to me. XXXX  XXXX is another account reporting inaccurate information and then same account is reported multiple times.XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, is reporting inaccurate information and there are several accounts attached under this company name.XXXX  XXXX XXXX XXXX. US DEPARTMENT OF EDUCATION XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, these accounts are paid as agreed and not in any stage of collections.I 'm npt sure why these accounts are appearing this way. I believe that its identity theft or fraud.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

PNC will not allow me to connect my checking account to XXXX, which is an investment account
Product: Credit reporting

on XXXX/XXXX/16, I went online to receive my free credit reports from XXXX. **I was able to obtain reports from both XXXX and XXXX and after printing the XXXX report, the System kicked me out for *Security Reasons* as it stated. I was not able to retrieve information on Experian. Then when I logged back onto the website, it indicated I had received credit reports from each when in fact I was n't able to access Experian. I 'm asking to be granted access to Experian or receive a Report to my address.In reviewing the report, I discovered a FRAUDULENT Account from the XXXX XXXX. I wanted to lodge a dispute with XXXX to have this removed. Thus, I wanted to review Experian to determine if it was displayed on their site. The XXXX had no reference to this account though. **Someone assumed my identity and Opened this Fraudulent account and I was just made aware this existed as no mail was ever sent to my address. **Thank you for your Assistance. Not sure if these are going through. Have n't received any response on previous Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX  already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Incorrect Name Spelling and False Information on Credit Report Reference : XXXX Dear XXXX, I am writing to bring to your attention a serious issue regarding my credit report. Upon reviewing my credit report, I have discovered that my name is misspelled. My correct name is XXXX XXXX, but it is listed as XXXX XXXX on my credit report. This error is causing significant trouble for me, as it has resulted in difficulties in using my credit and has the potential to harm my credit reputation. 

I must emphasize that it is highly irresponsible and concerning to have such an error on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that accurate and up-to-date information is maintained by credit bureaus to ensure the fair evaluation of an individual 's creditworthiness. 

Furthermore, I recently contacted someone at the US Bankruptcy XXXX XXXX XXXX XXXX XXXX to inquire about a bankruptcy report appearing on my credit report. During the conversation, I was informed that the US Bankruptcy Court does not report bankruptcies to consumer reports as that information is considered private and should not be included in credit reports. 

Considering this, I kindly request that you promptly investigate, correct the errors, and remove the false and non-public personal information from my credit report within four business days from the receipt of this letter. Additionally, I kindly ask you to provide me with the following information : XXXX. Please provide the name and contact details of the person within the US Bankruptcy Court XXXX XXXX XXXX XXXX whom you spoke with and who provided you with my non-public personal information. 

Please be advised that failure to address and rectify the aforementioned errors, remove the false information, and provide the requested information within the specified time frame may result in legal action being taken against your organization. Pursuant to the FCRA, I may seek damages of {$1000.00} per violation for the dissemination of false information, violation of consumer rights, and unauthorized access to non-public personal information. 

I expect immediate attention and resolution of this matter. Therefore, I kindly request that you promptly investigate, correct the errors, and remove the false and non-public personal information from my credit report within four business days from the receipt of this letter. Failure to address and rectify the aforementioned errors and remove the false information within the specified time frame may result in legal action being taken against your organization. Pursuant to the FCRA, I may seek damages of {$1000.00} per violation for the dissemination of false information, violation of consumer rights, and unauthorized access to non-public personal information. Please send written confirmation of the actions taken to correct these errors, remove the false and non-public personal information from my credit report, and provide the requested information.
Product: Debt collection

I am being called by Portfolio Recovery, who's original creditor they work for is XXXX Bank. This collection agency " Portfolio Recovery '' is the definition of harassment. I am being contacted 3 - 5 times per day, at all hours of the day. You can not reliably block their IP phones because if you block a number, they simply modify the number from their set list and contact you again. 

I have asked many times for them to quit contacting me as I am already debating litigation against the original doctor that the quarrel/financing is about. If they wish to pursue legal action, I encourage them to do so, but I will not tolerate being called all the time, every day, by spoofed numbers. I would very much like to request consumer finance to help me look into this on behalf of myself and my family residence. Not everyone can immediately pay things that another entity claims they are owed, especially when litigation may be potentially involved. This does not mean we should have to deal with harassment every day, either. It's just the way of the world.
Product: Debt collection

Diversified consulting ( XXXX ) phone company I never opened a account in XX/XX/2018 and its still reporting thats it open and I have never open account {$1000.00} I contact company to see what could I do they told me they was investigating they never got back to me nor did I receive any more info
Product: Debt collection

I have disputed with this creditor in XX/XX/23 I request bank transactions of proof that I was late the credit never sent proof it took 30 over 30 days to perform investigation theyre age my account they didnt verify the date last active they failed to to an update the creditor has illegally reaged my date late active as unverifiable XXXX failed to do update my account and to a proper investigation the creditor lat reported on my account XX/XX/23 even though my last dispute XXXX XXXX XXXX today date XXXX I have not received a update or re investigation from this creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXXXXXX  and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2018 to XXXX 2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I consistently ensured timely payments, so why is there an error in my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX SELF-REPORTED XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX
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  ; - Account XXXX XXXX  # XXXX - Account 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

In my XXXX. 2017 credit card statement, I noticed in the " 2017 totals year-to-date '' box that I had been charged {$20.00} in interest. I pay all my bills in full and on time so this did n't make sense. I called VISA and they checked my payment record and agreed to credit me back the amount. 

My concern is for other customers who pay as I do and do n't notice this charge. There could easily be thousands of us who have been overcharged possibly totaling hundred of thousands or millions of dollars. 

So I 'm bringing this to your attention.
Product: Credit card

Opened Delta Skymiles Gold Card American Express XXXX XXXX 2024 I was waiting for electronic statement to pay the bill, but never sent, however, they insisted that paper statement was sent to me, but I have never received it. Therefore they charged $! XXXX for skipping payment. Therefore, I called them to reverse the charge because I've never received electronic statements by email. They refused reversing the charge. However, I paid the balance {$8300.00}, but they charged again {$110.00} in XXXX trailing interest charge for the first time payment missing even if I paid the remaining balance {$4800.00}. Their answer is that they charge twice for a missing payment even if the cause is not my fault. Therefore I would like to get the fees refunded {$290.00} to my account. The American Express refused to refund the fees.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX  pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.