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. 
XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. 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.

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 consciously avoids knowing that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint as a follow up to me previous CFPB complaint I submitted to the Credit Bureaus. I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesting to the Credit Bureaus to remove Credit Inquiries that arew UNKNOWN to me. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts nd information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints and I am including these again : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding two XXXX XXXX XXXX XXXX  accounts reported inaccurately on my credit file. These inaccuracies have been verified on multiple credit bureau reports, despite my previous attempts to address them directly with XXXX and the credit bureaus. The accounts in question are : Account # XXXX : ** Reported as a revolving account with a {$5000.00} credit limit and a high balance of {$5300.00}. 
XXXX incorrectly reports late payments for XX/XX/XXXX, which is inconsistent with my payment records. This derogatory mark is erroneous and should reflect 'Paid as Agreed ' or 'Never Late ' as I have not missed any payments. 
Additional issues with this account include inconsistencies in the Date of Last Activity ( XXXX ) and Date Reported ( XXXX ) fields, which deviate from Metro 2 standards, leading to conflicting reporting across bureaus. 
Creditor Remarks : XXXX and XXXX inaccurately list remarks about 30-day delinquency, which further harms my credit standing without documented justification. 

Account # XXXX : ** Reported as a revolving account with a {$2000.00} credit limit and a high balance of {$2100.00}. 
XXXX claims that this account had a 30-day late payment for XX/XX/XXXX, an error that should be updated to reflect 'Paid as Agreed ' and 'Never Late. ' This incorrect data point is detrimental to my credit profile, as it suggests delinquency when none occurred. 
Like the previous account, the Date of Last Activity ( XXXX ) and Date Reported ( XXXX ) fields are inconsistent and deviate from required standards, causing inaccuracies across credit bureaus. 
Creditor Remarks on XXXX inaccurately reflect a 30-day past due status without evidence or supporting documentation, further violating FCRA and Metro 2 guidelines. 

XXXX has provided no verifiable proof or documentation to support these derogatory remarks or discrepancies. Given that these accounts have already been marked as 'Closed ' and have a {$0.00} balance, there is no basis for reporting these as delinquent or charged-off accounts. Legal precedents, including XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), stress the need for accurate reporting and verified evidence for derogatory claims.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX  Balance Owed : {$0.00} 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX  Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

My husband and I are currently purchasing a home and our loan officer mentioned that my credit report through TransUnion was frozen. I proceeded to make an account online and unfreeze my credit report. However, our loan officer said it was still frozen. Later I contacted TransUnion on XX/XX/year> through a phone call to see why my credit report was frozen. They notified me that my credit report was suppressed for some unknown reason and requested personal identifiable information such as my social security number, my address, a copy of my driver 's license, and a signed letter requesting my suppression to be lifted. I mailed these documents in on XX/XX/year> and waited for a response. On XX/XX/year> I received mail from TransUnion requesting the same documentation again however, the letter was regarding me requesting a credit report, which is not what I sent the letter for. The same day I called TransUnion to clarify what this letter meant. My call was then escalated to the supervisor who was extremely rude and uncooperative. He just kept repeating that I needed to send in this documentation again and that there was no record of them receiving my information when they clearly must have since they sent a response in regards to my original letter. After my husband spoke to the supervisor and asked to speak to someone else, he just kept repeating that he would escalate it to his supervisor who would give us a call back in 3 business days. After my husband said that this was not acceptable that they were not keeping track of my sensitive information, he just hung up on us. We waited an hour to get this phone call. We are due to close on our new home in exactly a month ( XX/XX/year> ) and the fact we had to wait over 2 weeks for a response the first time is unacceptable, let alone the fact that they are not keeping track of sensitive customer data after asking for it. Under the Fair Credit Reporting Act, " The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ''. It is clear that TransUnion is not protecting my information and is not giving me the customer service and fair credit reporting that I need and I am preparing to sue the bureau for negligence if my home offer falls through due to my credit report being held up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  Inquired on XX/XX/XXXXXXXX
Product: Vehicle loan or lease

In reference to complaint XXXX against XXXX, this case should not be closed. XXXX correctly pointed to a misallocation of funds on XX/XX/XXXX, but failed to mention that the allocation was reallocated from my account on that same day. I have attached an additional screen print of the misallocation and reallocation of payment received in the amount of {$580.00}. The original document is attached in the to XXXX complaint. I have highlighting the aforementioned in this new attachment. 

In addition, on XX/XX/XXXX, there is a reallocation of funds for {$140.00} with no corresponding initial payment received. XXXX erroneously removed money from my account but never credited it back, as shown in the highlighted attachement. XXXX response does not correlate with their own accounting. Im implore you to reopen this case and have them provide a detailed explanation.
Product: Debt collection

Have No Knowledge of XXXX debt to XXXX XXXX XXXX XXXX I would like Viking Client Service to Validity date of this information the date of the debt the amount of the debt.to be posted to CFPB that it may be view.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : [ 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 Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Debt collection

I have reached out to XXXX XXXX Several times in attempts to Inform them that this account is no mine. I didnt open an XXXX XXXX account. At the time it states that it was opened my credit wouldnt have allowed me to get a new credit card. 

Please have this account removed, it is hurting my credit substantially. I have disputed this several times with the credit bureaus and contacted the business as well to no avail. Also I have asked them to verify that this is me via Name, Phone number, ID etc and. Nothing. 

Please have this removed asap. 

Thanks, XXXX
Product: Credit reporting

Bank of America is putting items on and off credit reports without any notifications. Account ends in XXXX and should read paid as full.
Product: Checking or savings account

I'm a XXXX*** on XXXX. I had a couple of different occasions where. I got large? Amounts of money and the money basically except for the XXXX  was with a lawsuit and it's the 1st time that. I had that amount of money and I kind of lost track of it but I filed all kinds of disputes going all the way back to probably XXXX but. I was cut off there which it's terrible. I've been trying to get through and I have been told certain things was going to happen and nothing happened. I talked to supervisors supposedly but never really actually got any with PNC bank. And was told by several workers that things were done wrong and they absolutely refused to give me any of my money back. It's sufficient amount of money. It's not my fault all the way around because I wasn't getting any of my papers that told me what my account was doing the activity. They kept turning the notifications off. My password has been change that. I've just had a little nightmare and I've had people go weeks and they talk about how the amount of time you have to report well also on my. Papers it says that I have 0 liability for fraud to report in prompt time. I don't know what they describe as proper. I've time I haven't been treated fair at all nobody 's giving me any. Answers telling. Me? Any. Status updates or anything. It's this has been a major nightmare well over XXXX if not more has been taken from my account and it's about to really send me over the edge with my XXXX XXXX and I don't know what. I don't know what to do anymore.
Product: Debt collection

On XXXX I switched my cellphone service from XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX offered an switcher program that allows XXXX XXXX XXXX to buy your phones from XXXX and pay your remaining cell phone balance. 
All of the necessary measures were taken from my end which required me to cancel service with XXXX, complete the switcher program online, and turn in all XXXX of my cellphones via mail. I have a photo of the box I sent through XXXX and the tracking information stating that the phones were delivered to XXXX XXXX XXXX. 
I never received credit for my cellphones and I have a remaining balance ownd to XXXX of {$2400.00}. This balance has now sent to collections and I never received any resolve from XXXX XXXX XXXX. I did receive confirmation that the cellphones were in the factory but they had to check the phones to make sure they were in good shape to receive full credit. All the phones were like brand new and I had only had them for about 3 months before switching over to XXXX XXXX XXXX. 

I spoke with XXXX local XXXX XXXX XXXX store managers and there was no resolve. I was referred to call XXXX XXXX about receiving credit for my phones and last payment. I spoke with multiple people which I have documentation of who and when I spoke with them again with no resolve. 

Lastly I spoke with corporate of XXXX XXXX XXXX which was the Executive Response Manager for my case and she explained that they had my cellphones and that they were behind in their work and they would get back to my case. After several email attempts she stopped replying to my emails after all the necessary information was presented to her. 

I now have this debt on my credit report and my cellphones were basically stolen by XXXX XXXX XXXX leaving me in financial grief and frustration. 

I am looking to receive {$2400.00} from XXXX XXXX XXXX to pay off the creditors and clean my credit report.
Product: Credit reporting

I have spent hours on the phone with TransUnion because I can not access my credit report online. They send me back and forth from phone number to phone number. I 've jumped through all the hoops they 've put in front of me and still nothing. These people have huge amounts of power yet I am unable to even get my report to make sure the information is accurate. Where is the accountability? Please work with them to ensure that their product is actually accessible.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I checked XXXX XXXX and saw that there was a hard inquiry on my XXXX report. 

A dispute was filed on XX/XX/year> with XXXX. 

XXXX XX/XX/year> I was informed that the inquiry was valid ; However, I have not applied for any new loans, credit cards, etc. 

The company listed is : CredcoXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PENN CREDIT is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. See the reporting inaccuracies below and how each bureau is reporting Date Opened : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Last Reported : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Date Last Active : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX See attached credit report for proof of inaccurate information that is affecting my ability to obtain new credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX You are in Direct violation of the Fair Credit Reporting Act ( XXXX XXXX Account number XXXX ) has violatyd several of my rights 16 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy 16 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 16 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose Remove the wrong late payment reporting and update account to PAANL ( Paid As Agreed Never Late ) acccording to the consumer protection laws.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX