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

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

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recently checked my report and noticed some inaccurate accounts reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT HAVE A CONTRACT WITH ANY OF THE AFOREMENTIONED COMPANIES AND THESE REPORTINGS ARE A VIOLATION OF MY RIGHT TO PRIVACY PER THE FCRA. PLEASE DELETE FROM MY CREDIT REPORTING IMMEDIATELY. I KNOW MY RIGHTS AND I AM FULLY PREPARED TO TAKE LEGAL ACTION.
Product: Debt collection

I sent two certified letters to Security Credit Services one requesting debt verification and the second letter requesting removal of the debt due to no verification being provided to me. It has been over 30 days & this company is continuously providing false information to the credit bureaus.
Product: Student loan

Nelnet Loan Services continues to refuse to fix a broken button when making a payment. When making a payment on its website, and when attempting to pay more than the minimum, there is a dialog box that pops up where you can check it so it does not advance the due date. Obviously Nelnet wants you not to check the box and tries to skip your next payment. Well that box has been broken for over six months now. I have asked three times over that period that they simple allow a person to check that box but they refuse to fix it. This is unacceptable. They should not be allowed to keep me debt longer through a broken website which they clearly are doing on purpose.
Product: Credit card or prepaid card

I signed up for the Paypal XXXX XXXX. To date, I have received only 4 statements. Every month other then XXXX, I have made large payments to keep my balance down. The first month the payment was just under {$300.00}. For both the second and last statements, I paid {$300.00}. Both times my available credit was reduced by the amount of my payment, so I didn't have my full balance available. Currently, paypal shows I only have {$7.00} available credit and a balance of {$190.00}.??, which totals only {$200.00}, yet my credit limit is {$500.00}. I am being penalized for keeping my balance lower. They are claiming out of character, but the attached statements show that isn't the case.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 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 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 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 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 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

I am writing to submit a dispute regarding a bankruptcy ( Case No. XXXX ) being inaccurately reported on my Experian credit report. I have disputed this record previously, and Experian responded that the information was verified through XXXX. However, XXXX has failed to properly verify the bankruptcy information directly with the XXXX XXXX XXXX Hawaii, which has confirmed that they do not report bankruptcies to consumer reporting agencies ( CRAs ). 
Under the Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ), Experian is required to ensure the maximum possible accuracy of the information it reports. Since XXXX has not provided adequate verification from the court and relies solely on third-party sources like XXXX, Experian can not continue reporting this bankruptcy record unless it is independently verified with the original source, the XXXX XXXX XXXX Hawaii. 
I request that Experian conduct a thorough investigation of this bankruptcy record by obtaining verification directly from the XXXX XXXX of Hawaii. If the court can not verify this information, I demand that Experian remove this bankruptcy from my credit report as it constitutes unverifiable and inaccurate information under FCRA Section 1681i. 
Legal precedent, including XXXX v. XXXX XXXX XXXX ( 2004 ), dictates that credit reporting agencies must conduct proper verification and can not rely on third-party databases without ensuring accuracy. I expect Experian to act in accordance with the FCRA and remove this bankruptcy record if it can not be properly verified with the court. 
Failure to do so will leave me no choice but to escalate this matter through additional legal channels, including filing further complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages for non-compliance. 
i have provided the proper documents supporting my dispute as well as identifying documents to assist in the investigation.
Product: Debt collection

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
Product: Debt collection

sent a letter to Jefferson Capital requesting the purchased agreement and the debt being securitized by the original creditor.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Dear CFPB : I am writing to formally dispute the actions taken by Innovis regarding the charged-off XXXX account that was previously deleted from my consumer report. Innovis has wrongfully reinstated this account, which was opened fraudulently in my name. The information reported is inaccurate, and I have attached the necessary documentation to support my claims. 

Background on the Dispute As documented in my prior correspondence with Innovis, this XXXX account was originally flagged as fraudulent and subsequently deleted. However, Innovis has now erroneously reinstated the account on my consumer report, which I contend is unlawful. 

To provide further context : The XXXX account was opened fraudulently without my knowledge or consent. 
A police report has been filed to confirm the fraud, and I have attached it along with supporting documentation for your reference. 
Innovis provided a letter to the CFPB on XX/XX/year>, stating the deletion of the account under case # XXXX. Despite this, they have reinstated the account. 
Violation of Consumer Rights Under FCRA Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c ( which prohibits the re-reporting of negative information that was previously removed due to fraud or other errors ), it is clear that once information is deleted following a legitimate dispute, it can not be reinserted unless the reporting agency has followed the appropriate procedures to confirm its accuracy. 

Innovis ' action violates the FCRA and has caused me substantial harm by reintroducing inaccurate and fraudulent information into my credit report. The failure to permanently delete this account is not only a violation of the law but also an infringement on my right to a fair and accurate credit report. 

Requested Action I request that the CFPB intervene and require Innovis to : Permanently delete the fraudulent XXXX charge-off account from my consumer report. 
Provide me with a written update on the status of my dispute, including any actions taken to ensure the account is removed. 
Provide verification that Innovis has complied with the FCRA regarding the re-reporting of deleted negative information, including proper documentation supporting their decision to reinstate this account. 
Supporting Documentation Enclosed are the following documents : A copy of my police report, confirming the fraudulent activity. 
A copy of the correspondence from Innovis, dated XX/XX/year> A copy of my current Innovis report showing the reinstated XXXX account. 
Conclusion The reinstatement of this fraudulent charge-off account is unjustified and unlawful. I trust that the CFPB will take swift action to hold Innovis accountable for their failure to comply with federal consumer protection laws. I look forward to receiving confirmation of your investigation and a resolution to this matter.
Product: Debt collection

I am contacted via methods and avenues that was not disclosed to the company. Personal data breach, and improper information sharing.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is in FEDERAL VIOLATIONs as well as in violation against their own Private Date Sharing Policy. EQUIFAX is in violation under 15 USC 1681b for furnishing a consumer report on my behalf the original creditor WITHOUT MY WRITTEN CONCENT. Under the GRAM LEACH BLILEY ACT EQUIFAX IS A FINANCIAL INSTITUTION so there for fall under 15 USC 6802 and 6821. I demanded EQUIFAX to respect my right to privacy and opt out of there improper reporting of the given accounts and demanded EQUIFAX to show me where I have given them CONSENT as stated in their Privacy policy to furnish on and if they could not they MUST DELETE demanded accounts. EQUIFAX HAS NOT PROVIDED THAT REQUESTED INFORMATION. EQUIFAX is in federal violation under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent use of my credit card to furnish a fraudulent report without my consent and committing IDENTITY FRAUD.
Product: Credit reporting or other personal consumer reports

so I am a XXXX XXXX XXXX XXXX XXXX and I never had the opportunity to learn what credit is and how it works until recently, growing up I had a house fire which my parents never recovered any of our important documents. 

Now that I am learning what credit is and Iooked at my report I have a bunch of accounts and collections that I am not aware of, and I know by law the creditors have to show proof of ownership which is not me cause all I have is my car through XXXX XXXX XXXX XXXX. 

These accounts listed is not mines and I have no idea of who opened or even authorized these accounts such as : 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 I ALSO HAVE COLLECTIONS ACCOUNTS THAT I DID NOT AUTHORIZE SUCH AS XXXX XXXX A I AM BEING HARRASSED BY BILL COLLECTORS AND I DID NOT AUTHORIZE NONE OF THESE ACCOUNTS AT ALL
Product: Credit card

While reviewing my Target credit card ( Master Card ) account online on XXXX/XXXX/16 I 've noticed that fraudulent transactions. I called the Target Card Customer Service immediately. I was advised that my card must have been compromised and it was going to be blocked. A new card will be sent to me. In order to remove the fraudulent transactions I need to complete the Fraud Affidavit and send it back to Target Customer Service. A blank copy of which was sent to me via email shortly following the conversation. I was n't made aware that I was going to lose access to my online banking as well. While trying to complete the Affidavit later that day I 've realized that I need to further review my account history, and provide details about transactions. To my big surprise, access to my online banking was denied ( after first try of logging in ) and or blocked with a message saying that I need to contact the customer support. I called immediately. I was advised that since there was fraudulent activity reported on my account they had to block my access until I receive a new card. I do not receive paper statements, therefore the only way I can see the account history and transactions is to go online. Target requires the Affidavit to be completed with the information about transactions including dates, amounts and merchants ' names. It takes 10 days to receive a new card. I 've asked if my username can be restored, and was told by the representative that it 's impossible. I asked if the account history can be emailed to me or sent via regular mail, and that was n't possible for security reasons. They only thing the representative was able to do is to provide me verbally over the phone the details about transactions that I remembered could be fraudulent. Target would not allow me to review the account history to insure that I am listing all transactions that I need to dispute as not conducted by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a hard inquiry was posted to my XXXX credit report from CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I have contacted both merchants with whom I have accounts with issued by CBNA and they have confirmed this was not initiated by them. I have contacted XXXX who will not investigate it or provide any other details about the inquiry. They require a police report or a completed complaint form from the FTC. I originally went to the FTC website https : //www.identitytheft.gov/ but was redirected here. 

I am at a loss to understand why CBNA would do a hard inquiry when both accounts have been open for years. Please contact me so I can get his resolved.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of this fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent account. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over five years. 

XXXX XXXX XXXX. XXXX.
Product: Debt collection

Collection amount is in the amount of XXXX. From credit collection service. According to the FCRA Section 605B. It is illegal to report information on my credit without my permission. I have no recollection of this account. This account need to be removed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove the negative information you reported in my file. 
XXXX XXXXWY XXXX XXXX XXXXXXXX CO XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a letter in the mail from change healthcare stating my information was in a data breach. I then pulled my credit report and found an account and inquiries that I did not do or authorize and would like these things erased off my report and account closed due to being fraudulent the account is from XXXX  XXXX with an amount of XXXX that was opened XX/XX/year> I never ordered this card I am only XXXX and only been on my XXXX  credit cards I never had my own card
Product: Debt collection

I had been paying on XXXX Hospital bill ( account # XXXX ) in the amount of {$1300.00} for Date of Service XX/XX/XXXX, religiously, every single month to XXXX XXXX XXXX ( XXXX ) in XXXX, Indiana. Then one day, my husband went in to pay the bill, and he was told by a XXXX representative that " nothing else was owed on the bill. '' The money ( {$50.00} ) was immediately given back to my husband, and we heard nothing else regarding this bill until XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls from CBCS Collection Agency ( phone XXXX ) regarding this bill. However, I NEVER once received any documentation whatsoever from CBCS regarding this account, even though I asked several times for written confirmation that this debt was owed, or what the new amount was. Around XX/XX/XXXX, I started receiving calls from XXXX XXXX XXXX, stating that I owed the exact same amount on the exact same account to their law firm on behalf of the same hospital. Once again, I NEVER once received any documentation whatsoever from XXXX XXXX XXXX regarding this account. *According to the Fair Debt Collection Practices Act, I should have received some sort of documentation within 5 days from both of these collection agencies, but I DID NOT! Now, I am getting multiple calls from both agencies at the same time! Therefore, I vehemently DISPUTE THE VALIDITY OF THIS DEBT!! and I intend to stand up for my rights. Two companies can not legally pursue the same debt at the same time.
Product: Debt collection

This account was charged off my account on XX/XX/year> I would like this to be removed from my credit report
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, in amount of {$500.00} 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

Hi, my name is XXXX XXXX .I Am writing to delete the following information from my credit report. Pursuant to 18 USC 8, I owe no debt. The companies listed below are violating my consumer rights to privacy pursuant to 15 USC 1681b.Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 Furthermore, There are also inquiries that were not authorized by me. With that being said, that also makes me a victim of identity theft. I demand that the inquiries and items listed are to be deleted to correct my credit report.Please delete the items as soon as possible.this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. 


Please address the matter promptly and confirm the removal of the disputed entries.
Product: Checking or savings account

I signed up for Citibank 's " {$500.00} Bonus when you open a new checking and savings account in the Citi Account Package '' promotion via the manager in Citi branch ( XXXX XXXX, XXXX XXXX, NY XXXX ). The deposit of {$15000.00} within 30 days was met on XX/XX/XXXX. The direct deposit in two consecutive months was met as well. Maintain a minimum balance of {$15000.00} in my eligible linked checking and savings account for 60 days has been met on XX/XX/XXXX. The {$500.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. It's currently XX/XX/XXXX and no bonus has been posted to my account. 

I have contacted citi for more than 5 times but they couldn't make sure I can get the bonus before XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

CFPB, It's almost 30 days that Experian hasn't responded XXXX is XXXX days I know under the FCRA if a investigation isn't complete in 30 days it's a violation and the account must be deleted.