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

Experian sent alerts that 5 credit inquiries were made on the same day XX/XX/23 - 2 by XXXX XXXX, 1 by XXXX XXXX XXXX XXXX, 1 by XXXX XXXX, 1 by XXXX XXXX XXXX and 1 credit inquiry on XX/XX/23 by XXXX XXXX XXXX We contacted Experian who put a fraud alert to monitor credit inquiries and to make sure to contact me if/when any other inquiries are made. Each loan ageny was contacted individually. All except XXXX voided the applications for car loans. Awaiting XXXX reply
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They  have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a credit request XXXX XXXX XXXX They pulled 2 reports And TransUnion is XXXX Lower score then the other two. @ XXXX With no derogatory or miss payments on my account. There should not be that much discrepancy in the different reports without something not being calculated or done right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXXAFNI ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

On Monday XXXX XXXX, I was hired for a XXXX XXXX XXXX position, I went through the whole interview process, I signed contact, and everything seemed legit. The next day the sent me a check that I deposited for {$1600.00} I was told this would be the money used for my equipment and software that would be used for the position. The following day they sent me another check for {$1500.00} also deposited the check and put ached XXXX {$500.00} gift cards from XXXX because they told me this would be used for the equipment as well. I asked why they sent 2 checks and they stated that my deposit limit for my bank is XXXX $ so they had to split up the checks and at the time it all made sense to me. So I purchased the equipment and sent a total of {$3100.00} to the company and once PNC recognize those checks were fake and fraudulent they took XXXX $ leaving my account negative. I am now in a terrible position not knowing how Im going to pay for any of my expenses including my daughter. This is a nightmare and I dont know what to do. PNC denied both of my disputes. I filed a police report, sent them all the information I had of the scammers exc. I really need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

with equfax dates where i lived are wrong their are collections,, many i have never heard of. over half the info thay have i dont recogniz
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT BECAUSE MY INFORMATION WAS RELEASED TO THE PUBLIC DUE TO THE XXXX, TRANSUNION, XXXX XXXX BREACH. THERE'S PLENTY OF UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE ACCOUNTS ARE INACCURATE AND DONT BELONG TO ME AND IS HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM IN THE PROCESS OF GETTING A MORTGAGE LOAN AND THIS IS HURTING MY CHANCES. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY
Product: Credit card

On XX/XX/2023, I applied for a Capital One Spark Business Card. I was approved with a {$5000.00} limit ( card ending in XXXX regarding XXXX ) and sent a welcome letter. I was immediately provided a secured link requesting a driver 's license, proof of residence, and social security card, all of which I submitted at that moment. I was asked for this information several times, each time submitted through a link I received from Capital One- After a few days of this, I needed clarification from Captial One, and they explained that my identity could not be verified. Before this notification, the card had arrived at my office. I linked it to my existing Capital One profile ( which has two other Capital One products ), which made this decision even more strange. I asked the reason and was given the same answer : unable to verify. I wanted to know what I should do with the card I had in my possession. " Do what you want to do, as the account was locked, '' was their response. It was suggested to reapply, which I did, and was approved again. 
Once again, I was asked to provide the same docs. I requested a fax number this time. I visited a XXXX  location scanned and faxed the docs to XXXX. Days later, in early XXXX, while driving, I received a phone call from the Capital One Fraud team requesting my driver 's license via a secure link. I pulled over and scanned the DL. I was approved, but this approval was for only {$500.00} ( card ending in XXXX ). In my reapplying, I was under the expectation that starting the process over was to reopen the application that the fraud team locked. I diligently provided document after document just to be told no, apply again, and get a lower limit when, all the while, I was feeding the same info and took hits to my credit report. The initial card with the {$5000.00} limit shows open on my credit report and its inquiry, but they can't verify my identity?
Product: Credit reporting or other personal consumer reports

information is not consistent and not correct for the reporting guidelines required by the Fair Credit Reporting Act and is listed on my credit report and damaging my credit and reputation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for the consumer 's privacy. XXXX and Experian are such agencies, and as a consumer, I am entitled to ensure my private information remains confidential. This is further supported by 15 USC 6801, which mandates financial institutions to respect customer privacy and secure their nonpublic personal information. The entity providing information to credit agencies is a financial institution under this statute.

Furthermore, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer report can only be furnished according to the written instructions of the consumer. XXXX, Experian, and the information provider do not have my written consent to share my information. I revoke any previous consent, whether verbal, non-verbal, written, implied, or otherwise. 

15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to unaffiliated third parties unless the consumer is informed about how to opt out of such disclosures. The information provider never informed me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in reports if it dates back more than seven years, except for criminal convictions. This adverse account, reported without my permission, is illegal. 

Under 15 USC 1681s2 ( A ) ( 1 ) ( A ), no person should furnish information to a consumer reporting agency if they know or suspect it is inaccurate. Moreover, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violating Section 1681c and to restrict the furnishing of consumer reports to authorized purposes. XXXX and Experian are failing in this regard. 

Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am choosing to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$20000.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have been disputing XXXX in the amount of XXXX for 9 months and also wrote all three credit bureaus providing information to them that this company does not have any verifiable information. This has been an on going battle since XX/XX/year>. That have not showed me any verifiable information as requested. I am a victim on the credit bureaus not following consumer law. And I am a victim of my family not being able to compete in the world because the credit bureaus have bullied me by keeping my credit score so low that I cant get a car nor house. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS RISK SOLUTIONS, a financial institution and credit reporting agency operating in commerce for profit by regularly furnishing bankruptcy public records obtained from XXXX, is currently furnishing my personal identifying information without my written consent, authorization, or permissible purpose. 

LEXIS NEXIS RISK SOLUTIONS is currently furnishing, selling, and trafficking my personal information to various XXXX XXXX such as XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and others which I may be unaware of. This unauthorized use of my personal identifying information constitutes " Identity Theft '' pursuant to 12 CFR 1022.3 ( h ), and is in clear violation of 15 USC 1681b ( a ) ( 2 ) having no permissible purpose or authorization. Under the FCRA, Bankruptcies are to be EXCLUDED from a consumer report in accordance with 15 USC 1681c ( a ). LEXIS NEXIS RISK SOLUTIONS, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized inquiries no later than 4 business days after receipt and delivery of the notice. 

I demand this agency to cease furnishing the information provided below in respect of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 

XXXX XXXX BANKRUPTCY COURT XXXX XXXX  BANKRUPTCY XXXX XX/XX/2016 XX/XX/2016 2016
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Addresses on Credit Report I am writing to dispute several inaccurate addresses that are being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on consumer credit reports. 

The following addresses appearing on my credit report are inaccurate, as I have never lived at or had any association with these locations : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX XXXX  XXXX, XXXX, GA XXXX The FCRA states that items of information that are inaccurate or incomplete must be removed or corrected upon dispute ( 15 U.S. Code 1681i ). Reporting inaccurate addresses associates me with residences I have never lived at, which could potentially harm my creditworthiness and ability to obtain credit, housing, employment, insurance, and other essentials. 

I am formally requesting that your agency investigate this issue and remove or correct the inaccurate address information from my credit file and any reports provided to third parties immediately. Please confirm in writing once the inaccurate information has been removed or updated. 

Thank you for your assistance in correcting my credit report pursuant to the Fair Credit Reporting Act. I look forward to your prompt resolution of this matter.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX  verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX  Trans Union XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

Since settling my debt with COLUMBIA DEBT RECOVERY LLC DBA GENESIS at the beginning of XX/XX/year>, I have noticed that the debt collector has continued to report the full balance on my account and credit report. Despite fulfilling my obligation and requesting that the account be closed with the balance updated to XXXX, I have received no action on this matter. Instead, I have been repeatedly sent emails requesting further payments. I have asked the company to update my account and provide a confirmation of the balance being settled, but I have only received excuses. I request immediate attention to this matter and the necessary adjustments be made to my account and credit report.My credit seriously hurt because of this balance that they refused to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft i sent copy of police report and also alerted Federal Trade Comission but they wont remove inquiries. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX my identity was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FCRA The term investigate consumer report means a consumer report or portion there of in which information on a consumers character, General Reputation, Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such terms of information. 

They Stated my account was Verfied but how is that possible if they did not do proper investigation according to the law. Also every piece of information ok this public record are still not reporting 100 % accurate And according to the FCRA 15 USC 1681 everything has to be accurate The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate the date last reported is inaccurate. This ground for removal they also violated my rights under 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation
Product: Checking or savings account

My employer opened a US Bank XXXX  account for payroll. US Bank is refusing to allow me to access my account online. I have followed the steps to create an account and register the debit card per their website steps. Every time I attempt to login, theylir website kicks me out stating I need to reset my username and password. I try to follow those steps again and the website gives me an error that the card is already registered or a different error that my PPI information can not be verified, refusing access to my account. I have reached out to US Bank in writing and via phone. US Bank has refused to fix this error or allow me access to my account online or access to my funds.
Product: Debt collection

My XXXX account was locked when all my orders were paid after contacting TRS and XXXX multiple times it was unlocked. TRS is now contacting me claiming I owe more when I havent even placed an order. Id like to place an order but my account is locked for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute transunion ore XXXX all i get is opps something went wrong.reporting incorrect balanced, paid off accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Delaware is reporting an account under my name that is derogatory on my credit file. I have sent numerous certified mailings to show ID theft ( FTC fraud report, police report ) and they have yet to remove the account. I have asked several times for them to provide me with my signature showing that it is mine- they can't do that because it's not mine, yet they will not remove it from my credit file.
Product: Debt collection

Dear XXXX XXXX, I hope this letter finds you well. I am writing to bring to your attention a matter concerning the collection of rent payments in accordance with the CARES Act. 

As you may be aware, the CARES Act, enacted by the federal government, provides protections for tenants during the COVID-19 pandemic. One of these protections includes restrictions on landlords ability to pursue debt collection actions for unpaid rent. Under the CARES Act, landlords are prohibited from initiating eviction proceedings or assessing fees or penalties for non-payment of rent for properties covered by federally backed mortgages or receiving federal housing assistance. 

Given the current circumstances, it is imperative that we adhere to the guidelines set forth by the CARES Act to ensure compliance with federal law. Therefore, I kindly request that you refrain from any attempts to collect debt on rent payments during this time, as doing so may constitute a violation of the CARES Act. 

I appreciate your understanding and cooperation in this matter. If you have any questions or concerns regarding the CARES Act or its implications for our rental agreement, please do not hesitate to reach out to me. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid the debt that was owe but did not get in formal information on the balance until I pulled up my credit report. I called that company to at least try to remove the late payments and rep was rude about it. I did state to the company if they can remove the late payments off the account because it would not been late if I receive the notice.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : CHILD SPRT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 or other personal consumer reports

XXXX previous case USAA stated that when the account owner added me as an authorized user, I can not opt out of credit reporting. they agreed to stop future reporting once I was removed. I was removed and the transaction was removed from experian, but is STILL reporting to XXXX and XXXX as of the XX/XX/2024 credit report. I want the tradline removed from those two reports!
Product: Debt collection

XX/XX/2019 Amount {$950.00} Company XXXX XXXX  XXXX Account number XXXX Asked this company to remove this off my report since this is not mine.