23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Date : XX/XX/year> and list of Inquiries. 

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 XXXX 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

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX {$2100.00} open XXXX, XXXX XXXX XXXX  {$600.00} open XXXX, XXXX XXXX {$570.00} open XXXX, XXXX XXXX XXXX {$5400.00} open XXXX, XXXX XXXX XXXX  {$630.00} open XXXX, PA XXXX XXXX {$45000.00} open XXXX, XXXX XXXX XXXX {$46000.00} open XXXX, XXXX XXXX  {$30000.00} open XXXX, XXXX XXXX {$9400.00} open XXXX, XXXX XXXX XXXX {$87000.00} open XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX -Fraudulent to be removed by experian, XXXX XXXX AND XXXX 

XXXX XXXX -Fraudulent to be removed by Experian XXXX XXXX XXXX AND XXXX 

XXXX -Fraudulent to be removed by experian, XXXX, AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I found several accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open.They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting

XXXX bank is report a balance of {$500.00} on my equifax credit report. XXXX XXXX issued me a refund a few years earlier as the result of excessive nsf fees. The refund was minus the amount owed to them ; however, XXXX is still updating equifax stating I still owe {$500.00}. I have also disputed this with Equifax for them to investigate ; however, it always come back verified as accurate.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX  The following inquiry was no and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 Account number XXXX, XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX xxxxxxxxxx, XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX account 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor   nor the credit bureau is willing to help me.    XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   1 XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   RALLY MOTOR CREDIT    XX/XX/XXXX     XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX    XX/XX/XXXX
Product: Debt collection

IQ Data International , Inc. has been repeatedly calling and harassing me about a debt that has clearly been charged off. I have requested a 1099-C form, but instead of addressing my request, they hang up and continue to call back hours later.
Product: Checking or savings account

( ( XXXX XXXX XXXX Family Trust w/Comerica-XXXX ) ). XXXX XXXX XXXX XX/XX/XXXX D.O.D XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX Tx XXXX. XXXX XXXX XXXX trust. XX/XX/XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Client # XXXX XXXX XXXX XXXX person in XXXX XXXX for the Trust XXXX informed it is over when my husband past away. Called comerica XXXX XXXX relationships Mgr XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX told me XXXX. would contact me. XXXX XXXX XXXX Trust & Estate advisor comerica Trust wealth MGT XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, MI XXXX. I kept calling everything took forever. Mr. XXXX contacted me to send bills. He paid nurses rest of bills went back and forth. Got tired & called XXXX XXXX Trust Adm. XXXX comerica XXXX. XXXX XXXX Mi XXXX called & returned call 3 way w/XXXX from N.Y informed me I was not client. I am the wife & exec.will. He left me stocks bonds cash and 1/2 houses. They hired XXXX XXXX new XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX ( XXXX ) XXXX. My relationship w/daughters destroyed. Will not pay secured loans prop. Tax Ins & recently pd XXXX/XXXX. I can not get XXXX/XXXX CC & lost benefits. This is a XXXX Trust & I am responsible ( XXXX ). Tax Comerica also missed paying XXXX XXXX in Tax & we were Penalize XXXX XXXX int/penalties.This is the worst experience Im my husband voice. He went to law school to see how to get rid of the trust that he could not trust. We never met or talk to the people handling my husbands family trust. I felt disregarded & bullied at the aged of XXXX. I pray and hope know one else go thru this kind of neglect and abuse.
Product: Credit card or prepaid card

XXXX notified me with an email that THD/CBNA had did an account inquiry. 
Notice said Installment Loan or New Bank Account Inquiry. 
Address of Bank : XXXX XXXX XXXX XXXX XXXX. 
XXXX, UT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 he information is inaccurate.

Under U.S Code 1666B Billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get Wells Fargo Bank to comply with the FCRA and provide proof that notice was given prior to the sale of a vehicle that was illegally repossessed. Wells Fargo stated in a written letter they had terminated the relationship with the repossession company, and has none of the documents required to provide a lawful repossession per UCC 9 and Commonwealth of Virginia Law.

I am specifically looking for proof of Notice of Redemption and a Notice of Deficiency.

Law states these two items are required for the creditor ( Wells Fargo Bank ) to collect a deficiency amount.

I was never notified of Redemption, Time to Cure, Notice of Sale or Notice of Deficiency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized use of my personal information to try to obtain access to my life
Product: Credit reporting or other personal consumer reports

Citi Bank is telling me that they report. It is in the contract that they report to all three credit bureaus and they have for 20 years with my card. They then told 2 of the three bureaus that my card was canceled but still report to XXXX. Ive been calling them for 6 months now. They say they are reporting to all 3, but XXXX is saying they are not. Ive been back and forth with both Citi Bank and XXXX telling me its not their fault. Citi bank is very secretive about who reports for them or how to get this issue fixed. XXXX refuses to look into it at all, they say if the bank reports they show it. There is a problem and neither side will address it! This card is my oldest highest limit card and its creating a XXXX points negative impact on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( XXXX, TransUnion, XXXX  ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.
Product: Mortgage

A protective order, a divorce, a complaint with the XXXX fraud unit on XX/XX/XXXX internal invest. On my complaint processed, I was offered an assumable loan, I was in the process of going through my credit union, not legal represented, false filings with court, no signatures or knowledge of PERMISSION from myself, not even served papers, no affidavits by me as joint owner, approved by XXXX XX/XX/XXXX, I took my home 3 x off of sheriff 's sale block in 6 months, paid XXXX mort, payments, bank rep told me no modification even under a protection order and a pending divorce, they only look at numbers, but quit claim deed would be the only way. I was put in a false modification XXXX XXXX by bank representative and my ex without My signature, knowledge or permission, income and other pertinent info., Just a handwritten XXXX letter dated XX/XX/XXXX, from my ex to the bank representative. I was discriminated as I am XXXX, XXXX XXXX since, XX/XX/XXXX and marital status, XXXX, all parties guilty had info on the foreclosure but myself, was not given the right to obtain legal counsel, breach if confidentiality as all my personal info was released with my social security. Etc., all personal information was sealed with the courts XX/XX/XXXX. My income is well above the qualification level. XXXX escalations unit did not contact me or provide a conclusion to my mortgage fraud complaint. I was penalized for??? Criminal charges are my recommendations.. I lost XXXX in equity. I also am an identity theft victim XX/XX/XXXX, identified by the FBI ....
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

To whom it concern : I am victim of identity theft. The information, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft and data breach by XXXX and XXXX. I reach out to Transunion to advise them of the fraudulent account reporting on my credit profile. I provide Transunion of Identity theft report, FTC Report, and Police Report stating that the fraudulent accounts are not my. They weren't able to block the fraudulent accounts reporting on my credit report. By Consumer Financial Protection Bureau and Fair Credit Act Reporting 605B ( 15 U.S.C and 1681c-2 ) That State Block Expect as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged theft, no later than 4 business day the date of receipt by such agency of. I need your company to help me resolved this matter. I'm sending documents ( Identity Theft Report, FTC Reporting, Police Report ) supporting the fraudulent activity on my credit report
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received a letter from American Express inviting me to take advantage of a lower interest rate, and when I called to arrange it, they wouldnt give it to me. I find this to be false advertising, and they should not be allowed to market offers to people when they know they will not honor them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting a 30 day late status for XX/XX/2019 on Experian and XXXX. My home was sold and the mortgage company was paid in full.
Product: Credit card or prepaid card

I contacted capital one in XX/XX/XXXX as I was laid off. On a recorded call, I made capital one aware that I was still fighting to get unemployment, which was just approved this week on XX/XX/XXXX, and I could only pay $ XXXX/month. Granted one of the agents was an overseas agent who may not fully have understood my request, which is why the jobs shouldnt have been outsourced as they do not fully understand what theyre agreeing to and it harms consumers later. She walked me through signing up for a payment assistance plan for 90 days. However, capital one marked my payment late and is reporting late for an amount of {$230.00}. I can not pay that much money. While the unemployment was finally approved, I also received a new job offer. And they didnt back date my unemployment to the date of lay off because my separation letter had a XX/XX/XXXX date. As much as I would like to pay more than {$50.00}, I can not. I have to now pay my rent which is over {$1000.00}. The lump sum from unemployment will only be for three weeks, so thats only {$820.00}. I will not start my new role until XX/XX/XXXX, which means I wont get a paycheck until XX/XX/XXXX since I start in the middle of a pay period. 
I called capital one last week on XX/XX/XXXX to inquire about the status of my account. I spoke to a supervisor XXXX with ID # XXXX. I explained to her the call was recorded on my end and capital one end so my info can be verified. She denied reducing my monthly payment even after giving her the facts. 
I also called XXXX in the executive office and left a VM. She never called back.
Product: Debt collection

At or around the beginning of XXXX I checked my XXXX account online and I notice an XXXX XXXX Charge for XXXX that I have never authorized or agreed to pay. I call my bank and placed a disputed and they said that they will investigate the claim, now less than 2 weeks after my complaint I'm getting a letter from a collection agency trying to collect on a debt that I do not recognize and I certainly do not owe. The representative was very rude and refuse to prove that we actually owe this debt and start pressuring us to accept that we are responsible for this debt and until we prove that we don't they will be continuing reporting this debt as well to credit bureaus and XXXX and as far I know they by law need to prove me that I owned the debt before they try or intended to collect on such debt. I was trying to make sense but they were pushing and pressure me to settle an account that I DO NOT Owe. 

I'm in the process of buying a house for my family and this dishonest practice will affect me in a big way, this type of collection should not be allowed especially without them proving that I actually, legally owned them the money. 
They suggested that I gave them my social, bank account, and routing number that is XXXX, I just got robbed on my own account why would I provide you with such private and non-public information. Make no sense
Product: Credit reporting or other personal consumer reports

XXXX and Equifax must be crazy because they have not been disputing this account because they would of been told that they must XXXX out the balance and pass due to a cancel debt there is 3 letters from XXXXXXXX XXXX XXXXXXXX from XX/XX/2023 XX/XX/202 and XX/XX/2023 that states they told all thee credit agencies to XXXX out the XXXX account they told them 3 months ago yet they come back as accurately reporting a balance when they were told to remove the balance this is the proof and I was told by XXXX XXXX XXXX XXXX Regulatory Complaint Specialist that they should contact him personally for a 3 way call
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to see Congress take strong steps to protect consumers from data breaches such as the recent Equifax breach. These breaches are becoming common with costs borne by consumers and the offending companies bearing little responsibility. My family was affected by the recent Equifax date breach and it has been frustrating, difficult and expensive to freeze our credit. XXXX in particular views seems to view this incident as an opportunity to enrich themselves with difficult and costly procedures to freeze credit. When we need to unfreeze our credit we will be faced with additional fees. It is time for Congress to act on behalf of the American people.
Product: Credit reporting or other personal consumer reports

( Please see attached document ) I recently did a dispute with this company. They sent over a document that they do not have any records of an account with them. They ask to verified with account number or VIN number which I would not have. This account is still reporting on my credit report and I do not have an account with them. I need this account removed immediately as they have proven this account does not belong to me.
Product: Debt collection

A medical collection for a family member popped up on my credit report I never received and notice of collection in the mail. 
The information on my credit report has no account number phone number or address.
Product: Debt collection

As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. 

In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by XXXX ; XXXX and XXXX credit bureaus. 

My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Product: Credit reporting or other personal consumer reports

Ive had multiple inquiries from your company show up on my credit report that I know I didnt authorize. These inquiries are hurting my credit score and making things unnecessarily difficult for me.