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

In accordance to the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX The above accounts have violated my rights. 

XXXX XXXX XXXX XXXX states, I have the right to privacy XXXX XXXX XXXX XXXX Section XXXX : States, a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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

in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

I made payments to XXXX XXXX commenity bank on : XXXX for {$30.00} XXXX for {$50.00} XXXX for {$30.00} None of these payments has been applied. I sent each payment through my XXXX XXXX XXXX. XXXX XXXX submitted a check on my behalf. All the checks were cashed but not applied to my account. I feel I that I was cheated out of {$110.00}. I filed a dispute with XXXX XXXX  XXXX about the monies being sent but not applied to my childrens place account. I received a case number XXXX for the XXXX dispute. 
I made an additional payment to XXXX XXXX for {$35.00} because the missed payments caused my account to be delinquent and to negatively impact my husbands credit.A supervisor  XXXX at XXXX XXXX XXXX XXXX took the payment of {$35.00} with a confirmation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed on  XX/XX/XXXX  that on  XX/XX/XXXX  I called in a decided to dispute all accounts that were on my credit report and have them disputed when that isnt true. I am a victim of identity theft and im treated as if im the wrong do-er! I call in and all of a sudden put in a department called ( CONSUMER AFFAIRS IN EQUIFAX ). I called several times after seeing that my credit report had changed significantly after my identity was stolen. I was hung up on by a Lady in that department her name was   XXXX   XXXX  , I was hung up again on  XX/XX/XXXX  by   XXXX   and lastly by  XXXX  in Fraud department! Ive never known so many people to hang up and treat a person thats a victim like this. The accounts that were put back on my credit report ill list below, but I have contacted them and they said that someone from Equifax personally reached out to them and remind you this was after this account was deleted and removed from my report! (   XXXX   XXXX   ) also contacted   XXXX   and  XXXX  they also stated they received a electronic response on the XX/XX/XXXX  I didnt authorize this and im very upset about this!
state farm bank {$35000.00}, harvest associates $   XXXX  - {$510.00},   XXXX   XXXX   {$260.00} - {$230.00} and 4  XXXX  accounts. Inquires that should only be on there are   XXXX   XXXX    and   XXXX   XXXX   XXXX  . Equifax consumer affairs pulled my credit without my consent and it caused my score to drop  XXXX  points. After being lied to by ms.  XXXX  and   XXXX   XXXX   that no one pulled it and my score culdnt go down if they did pull it.   XXXX   XXXX  , 2   XXXX   XXXX   accounts and   XXXX   XXXX   XXXX   should be the only accounts listed. But Equifax you have forcefully put old accounts that were verified as not mine on my credit report and I asked you to stop the disputes once i found out  XX/XX/XXXX and you refused and I told you i had rights and would contact the FTC and you stated   XXXX   XXXX   that i needed to do what i needed to do! so i am! So please remove these accounts because they are not mine is all im asking. Was no need to monitor and report my account because i call everyday to make sure that my credit is correct. I have rights as a consumer and i refuse to be treated like im not a victim when i am and all i wanted was truth and to be helped!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate, Fraudulent, unverified accounts reporting on my credit report
Product: Checking or savings account

On Saturday XX/XX/XXXX  , I w ent to a  Citibank bra nch located at :   XXXX   XXXX   XXXX  ,  XXXX   XXXX , NY  XXXX .  <P/> I asked the personal banker there, to open an account based on the {$300.00} promotion advertised b y Citibank.   <P/> She said that she can assist me with this. Then she asked if I had been a previous customer wi th Citibank. I re sponded that I had been a prior customer and that I had closed my accounts wit h Citibank as of  XX/XX/XXXX .    I was told by the personal banker that the rule for eligibility for the promotion is that I should not have bee n a Citibank customer in the last 24-months.   <P/> I brought to her attention that the disclosure print in the promotion states that to be eligible for this offer, the customer must not be OR have been an owner of a citibank account in the la  st 60-days.
<P/>
The personal banker, told me that based on Citibank 's own rules, the rule is 24-months and that I would not qualify for the promotion. However she did offer to open an account for me, but without honoring citibank 's own advertised promotion.
<P/>
I then proceeded to speak with the branch manager on duty then. She explained that Citibank has its own internal policy which explains to not honor cash bonus promotions unless the customer did not have an account in the last 24-months. She did not care to read the disclosure to the current offer that I had asked for, but she was willing to show me prior offers that had disclosures of the 24-month limitation. I refused her explanation as those offers were already expired or were different from the current offer I had asked them about. She also could not provide any written explanations on why the {$300.00} offer could not be honored. Additionally, she kept pointing to an internal citibank rule ( she could not show it to me ) to not honor cash offers unless there was 24-months since the customer closed the previous account.
<P/>
I re-read the fine print and the whole disclosure, and I still did not see any hint or anything related to the 24-month limitation.
<P/>
What made me file this complain was the excellent work that consumerfinance.gov did in here.
<P/>
https : //www.consumerfinance.gov/about-us/blog/citibank-to-refund-700-million-to-credit-card-customers-for-unfair-and-deceptive-practices/ I am attaching a copy of the offer to support my complain.
<P/>
Thanks.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XX/XX/XXXX on XX/XX/XXXX025 with a balance of {$7500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have been sending inquires for over 3 years now to XXXX, XXXX and XXXX disputing credit inquires and to get original contracts from creditors who claimed I either owe them or the amount owed was wrong and all they keep telling me its been verified but none of the bureaus are sending me anything with my signature that I open or signed any contracts or documents. My identity was comprised since XXXX someone has used my information in XXXX and XXXX. None of the bureaus are taking the time to send me sign documents on how it was verified.at my request.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We received a notice from XXXX XXXX in regards to my wife 's insurance score having a negative effect on our insurance rates. They use XXXX  and/or XXXX XXXX to determine credit history. ( See attached notice from the insurance company - XXXX XXXX. ) It seems as though there are 4 specific negative factors as outlined by XXXX XXXX. I would like someone to please investigate 1-3 as shown with my questions/responses below?

1. Number of Retail Accounts - I see one maybe two retail credit cards that are currently open on my wife 's XXXX report provided by XXXX XXXX. Are they saying she has too many or not enough? Two retails accounts seems totally appropriate to me. 

2. Lack of information reported on oil company accounts - Our oil company doesn't report to credit bureaus and as such we should not be penalized for this. We pay our oil as a cash price, up-front. We have never had a revolving or installment account with our oil provider. 

3. Number of inquiries with finance companies within last 24 months - The hard inquiries in XX/XX/2016 were done within the same month ( XX/XX/16 & XX/XX/16 ) and as such, those should be counted as one inquiry. In fact XXXX ( the company that XXXX uses for the XXXX ) created a webpage covering this very topic below : https : XXXX Thanks for forwarding this onto the appropriate people at XXXX XXXX , XXXX and/or XXXX XXXX.
Product: Checking or savings account

This Complaint is against Wells Fargo for their failure to honor my request as a Customer!! Wells Fargo replaced {$4000.00} for two transactions which they determined to be fraudulent- relevant to money removed from my account at Wells Fargo XXXX This account has been and is under the Control of the identity thieves. After W.Fargo replaced these partial monies, I requested to XXXX XXXX at the Wells Fargo XXXX Complaints Management Office to have my account deactivated and disabled. This would prevent the identity thieves from restealing the monies, as they are able to do. This would give time for my family member to get to a Wells Fargo branch, and withdraw as per our POA, prior to the identity thieves stealing this money once again!! XXXX XXXX stated to me very plainly- that Wells Fargo Management would not allow him to do so. Once again- how XXXX is this??? And the game continues, which W.Fargo loves to play with my money. Wells Fargo is a " XXXX XXXX '' for Identity thieves!!! And this is why Wells Fargo is voted the most hated bank in America on many on line surveys!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute in XXXX information that XXXX XXXX XXXX is reporting to the consumer reporting agencies Equifax XXXX and XXXX regarding my account despite multiple disputes and the submission of evidence the inaccuracies remain uncorrected causing significant harm to my credit profile and impacted my ability to secure employment and transportation I have made numerous complaints and disputes regarding XXXX XXXX XXXX, account number XXXX, and the CFPB, the consumer reporting agencies ( Equifax, XXXX and XXXX ). All these agencies have disregarded to even look at my complaints and disputes. 

If this account name : XXXX XXXX XXXX # XXXX is verified to be accurate and complete through the creditor and these above agencies, WHY IS?


1 ) FAILURE TO MARK ACCOUNT AS DISPUTED : Despite my repeated dispute the account has not been marked as disputed, which violates the Fair Credit Reporting Act ( FCRA ). Under section 611, credit reporting agencies are required to indicate that an account is under dispute. 2 ) ACCOUNT BALANCE : XXXX XXXX XXXX is reporting a balance of XXXX. However, I have received verification from XXXX XXXX XXXX XXXX, acting on the behalf of XXXX XXXX XXXX as debt collectors indicating that the balance on this account is {$0.00}. Despite this documentation the credit bureaus continue to report the incorrect balance.

3 ) DATE OF LAST PAYMENT : There are discrepancies between the date of last payment and the date of last activity as reported by the credit bureaus these dates are inconsistent which affects the reporting period for this account.

4 ) INACCURATE PAYMENT HISTORY : Equifax is reporting misleading and inconsistent payment history data including marking months as " OK '' even though the account is " CLOSED AND CHARGED OFF ''.

SUMMARY OF FCRA VIOLATIONS : - Failure to correct inaccurate information despite being provided documentation in violation of Section 623 of the FCRA.

- Failure to properly reinvestigate my disputes, in violations of Section 611 of the FCRA.

- Failure to mark the account as disputed as required by the fcra after multiple disputes were filed.

IMPACT ON MY CREDIT AND MY EMPLOYMENT : These inaccuracies have severely damaged my credit score, making it difficult for me to obtain transportation and secure employment causing significant financial distress.
Product: Credit reporting or other personal consumer reports

Im rejecting your position to decline my identity theft. Who are you to know if Ive been a victim or not? You have XXXX authority or legal position to make this claim. If you continue to decline my position I will be contacting my attorney to pursue a legal remedy. Please see my identity theft claim is processed by the letter of the law. Im providing you a legal law enforcement agency report which was filed with a federal agency. Lets get this matter resolved within the XXXX  days required.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX, OH XXXX. I request that my current address be updated accordingly and the previous update. 

3. Employers : My current employer is XXXX. I request that my new employer, be updated as my primary.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from XXXX  stating Navy Federal Credit Union SOLD my personal and private information to them on XX/XX/XXXX and to XXXX XXXX XXXX on XX/XX/XXXX. Which is a direct violation of my privacy. 

15 U.S.C 1681 Sec 602A, states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. 

As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). 
Navy Federal Credit claims I owed them {$7300.00}, I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ) My personal and private information was obtained and SOLD to other organizations as well such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my Credit Report and noticed some accounts were violating my rights in accordance with the Fair Credit Reporting Act Convergent. All of these accounts below have violated my rights under 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. 

1. Account Name : XXXX Account # XXXX 2. Account XXXX : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX
Product: Credit card or prepaid card

In CFPB Ref No : XXXX, Ref : XXXX, your company stated, quote : " We completed the account review on XXXX XXXX, XXXX. As of the date of this letter, you have XXXX XXXX available for redemption '' Unfortunately, the points are still not available for transfers and remain under review, despite what your letter said. 

Can you please double check as promised in your previous communication and remove the usage restrictions. 

I will remind you once again that this account is more than XXXX year old ( over 52 weeks ), and the terms and conditions do not allow for such a long review hold ( the terms and conditions talk about 8 - 12 weeks, while this account is over one year old ). If the terms and conditions talk about reviewing an account that is older than 52 weeks please point them out.
Product: Checking or savings account

Bank of America refuses to acknowledge validity of claims filed during the past several weeks. They have, in fact, taken money from the checking account, claiming the claim was reversed. However, all merchants that we have been in communication with were willing and confirmed that I should have received funds for these claims. 

For reference, I will provide you with the claim numbers, given by BoA : - XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/2023, and noticed some things that are incomplete and not accurate. I sent a letter to Experian XX/XX/2023 and asked them to investigate the completeness and accuracy of this. I received the results and noticed they did not fix anything. This is breaking Federal Law. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.