23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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

XX/XX/2024 : I signed up for myEquifax to check/manage my Equifax report as well as dispute/correct any incorrect information. I noticed I could only see my credit score but not my credit report. 

XX/XX/2024 : I tried to pull my report from XXXX and was unable to. ( It sent a code to my number but then gave me an error. I knew it was a technical issue because even my creditors couldn't pull my Equifax report whenever I tried to apply for something I would get instantly denied. ( Due to a technical error pulling my Equifax report ). I called Equifax 's Customer Care team and they told me they have escalated my case to the technical department and I should expect a reply between XXXX hrs. 

XX/XX/2024 : I call again since I haven't received any update. They tell me to wait and they escalated another case. 

( I have done this a few times so I will skip to a month later ) XX/XX/2024 : A month later still facing the same problem and found out that the technical department hasn't even looked at my first case, all the cases were still pending with no update. 

This issue has caused me to get denied for multiple applications purely due to a technical issue that I have no control over. There is no excuse for a credit bureau to be this incompetent when dealing with consumer cases, especially when it has major repercussions.
Product: Student loan

I had submitted and completed a borrower defense application which was approved by Federal Student Aid government agency. I received two emails from FSA stating my defense application had been approved and I'm entitled to a full discharge of my loans with MOHELA. I contacted MOHELA both by email and phone call who stated they did not have any information from FSA yet. FSA sent me an email stating they had provided MOHELA with discharge information a month ago. My loans continue to accrue interest and still have not been discharged by MOHELA.
Product: Credit card

This creditor has placed this account on my credit report with out my written consent I have no ever opened a account with this company nor have I gave my written consent for this creditor to open a account is my name. This is identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered A fraudulent account that I did not authorize. This account is not mine, and I have no connection to it. This inaccurate account is negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of this fraudulent accounts from my credit report. 
Thank you for your prompt attention to this matter. 

XXXX Account # XXXX 15 U.S. Code 1681c2 states Except 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was contacted on my telephone by Bank of America, with their actual phone number, showing up on my caller ID. I was asked if I opened a new checking account, to which I replied that I did not. All of my accounts are with Bank of America so when they called me from their phone number, I didnt think anything of it. They told me that somebody was trying to XXXX payments through my new account and then I needed to send the money in my accounts to myself so that no money will be fraudulently taken. They gave me an email address to send it to you and told me within 24 hours the money will be back in my account, when I woke up in the morning and I realized I was scammed I was beyond livid. This happened on XX/XX/XXXX in the amount of {$1400.00}, {$1200.00}, {$110.00} and {$87.00}. 

Bank of America has been extremely unhelpful even though Ive been a customer for over 20 years, and I know other people who have been through the same thing and they were turned their money. I work in the financial industry and I know there are regulations that are in place to protect me and I want all of my money refunded.
Product: Checking or savings account

Received email in regards my accounts being compromised therefore closing my accounts without first verifying transactions involving me and seperating compromised transactions.
Product: Debt collection

To Whom It May Concern : This letter is in reference to XXXX that your company is currently reporting to XXXX XXXX XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. This negative rating has caused me some serious financial distress and will continue to cause me financial and emotional distress until it is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to under these circumstances. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand an information request! 

I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 

I request, under the FCBA, that you include all of the following for my reference and research into this matter : A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
A full file disclosure. 

An itemized statement breaking down the balance you claim I owe. 
Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 
1099 ( c ) IRS Document that you are required to send me, If you can not provide this requested correspondence, then please delete the negative marks you have reported to the three consumer reporting agencies about me within the timely manner prescribed by law. Your prompt attention to this matter will be greatly appreciated. 

RECEIVABLES MGMT CORP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

So I drive tractor trailer over the road and I been gone for over a month and a half XX/XX/ I opened an account before I left deposit funds in the account for emergency reason and for my house only to find out someone has been using the account without my knowledge I contacted bank fraud department to report it on XX/XX/ then to be told my claim was denied because of the reason the transactions was connected to my phone I explained to them some had stolen my identity i reported a police report gave it to them still no help Im out of {$7500.00} I asked could they reopen the investigation in look into the matter deeper because my claim was denied in 3 days after my first call on XX/XX/ the money I put in the account was for my home purchase and I feel Im getting robbed by a scammer and the bank I ask what else documents I can provide and they told me anything to help my claim I gave them a police report and still no help
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and DELETE them immediately in my report : XXXX XXXX XXXX XXXX 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

Recently, I did an investigation on my credit report and found several items to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX ) Derogatory marks : XXXX XXXX XXXX Hard inquiries by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other inquiries I have not approved of
Product: Credit reporting or other personal consumer reports

Improper sharing of suppressed personal information / Inaccurate reporting of bankruptcy information / Violation of privacy rights Complaint Summary : I am filing a complaint against LexisNexis Risk Solutions for improperly sharing suppressed information regarding a bankruptcy record ( Reference : XXXX XXXX ) and providing inaccurate information to the credit bureaus. Despite the bankruptcy court confirming they do not report this information to credit bureaus, LexisNexis has disseminated this data, which has resulted in inaccurate reporting on my credit profile. These actions constitute multiple violations of the Fair Credit Reporting Act ( FCRA ) and potentially other privacy laws. 

Specific Violations : Violation of Suppressed Data Protection Issue : My LexisNexis file is suppressed, meaning my personal information should not have been shared under any circumstances.

Violation : FCRA 604 Consumer reporting agencies must only provide reports for permissible purposes. Disseminating suppressed data violates this provision and breaches privacy protections.

Impact : Sharing my suppressed data has led to incorrect bankruptcy reporting, harming my creditworthiness and privacy rights.

Reporting Inaccurate Bankruptcy Information Issue : The bankruptcy record ( XXXX XXXX ) includes an incorrect filing/reported date. 
Violation : FCRA 623 ( a ) ( 1 ) Furnishers of information are required to ensure that the information they report is accurate. The incorrect date constitutes false and misleading information.

Impact : This inaccurate bankruptcy record damages my credit profile and financial standing. 
Failure to Ensure Maximum Possible Accuracy Issue : LexisNexis disseminated incorrect information to the credit bureaus without proper verification.

Violation : FCRA 607 ( b ) Credit reporting agencies must ensure maximum possible accuracy in the information they provide.

Impact : The dissemination of incorrect information has caused financial harm, higher interest ra

tes, and denial of credit opportunities. Unauthorized Dissemination of Personal Information Issue : Sharing my bankruptcy information without authorization constitutes a violation of privacy laws.

Violation : FCRA 604 ( f ) Prohibits unauthorized sharing of consumer information. 
Impact : The unauthorized sharing of my suppressed data has violated my privacy and led to emotional distress.
Product: Credit reporting or other personal consumer reports

Over 2 months fighting against to XXXX or XXXX credit account. 
By the FCRA the credit card issuer should report correctly to consumers credit report, this company is full of false, I paid 2 days before payment ORIGINAL DATE but they reported as no payment, second : I will upload 3 credit Bureaus report and there is showing 3 different names and account numbers. By the Law, account must report at least 6 digits or numbers in credit report which are missing, In XXXX and XXXX is showing me issuer name is XXXX and Experian showing XXXX XXXX, I contacted XXXXXXXX XXXX  and they responded that they are no longer owning XXXX account, 4 months ago I receive message that XXXX will be reporting as XXXXXXXX XXXX now XXXX is responding that they don't control XXXX accounts. Major thing is they sold the company without getting consumers authorization, I don't allow anyone to sell my information even to trusted banks in USA. I'm getting chagred for some transactions which shouldn't be like that. I know the Federal Law and I DEMAND THIS ACCOUNT SHOULD NOT REPORT ANYMORE AND ASKING CFPB TO FOLLOW THE FEDERAL LAW AND PUSH THEM TO DELETE THIS ACCOUNT OF MY 3 CREDIT REPORTS ....
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are unauthorized hard inquiries in my ( 3 ) credit reports XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXXl
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit card or prepaid card

I was attempting to apply for the Marriott Bonvoy Brilliant card from American Express on XX/XX/23. During my application it informed me that I would not be eligible for the sign up bonus. I reached out to American Express on XX/XX/23 to see what the problem was. They listed a number of things that " could '' be the problem but none of them seemed to apply to my situation. They informed me they have no way of knowing why a denial happens and it almost seems random to them. 

After speaking with American Express I thanked the representative for their time, assured them I did not hold them at fault for the policies of their company and mentioned I would be submitting a complaint to the NY AG based on what seemed to be a discriminatory policy. They seemed concerned and mentioned they could help me submit a complaint to American Express to have someone higher review it. After a minute or so on hold the line was disconnected. 

I will be submitting the complaint again in writing as there is now some concern on my end that the representative was not able to forward the details to a higher level as discussed. 

The lack of clear reason for approval or denial seems like a discriminatory practice. The XXXX may not specifically require this for a welcome offer but its spirit definitely implies any reason for denial of any product, service, or promotion by American Express should have clear and unambiguous rationale behind it to confirm the policy is not discriminatory.
Product: Credit reporting or other personal consumer reports

False payments are showing up that I never made on my credit report. I never made a payment so this is inaccurate on my credit report & it should be removed.
Product: Credit reporting or other personal consumer reports

I pulled copys of my credit reports and noticed FRAUDULENT INQUIRIES AND PERSONAL INFORMATION that needs to be DELETED within four business days of receipt of this letter and updated. Pursuant to 15 USC 1681c-2, I DID NOT originate nor authorize these fraudulent accounts to be reported to ANY credit bureaus. PLEASE SEE IDENTITY THEFT REPORT ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Experian. On XX/XX/2020, I spoke to Employee named XXXX in Specialized Team, she was very irate and getting angry why I called.

She did file a dispute against the company. I requested to speak to her Manager, she declined to transfer. I had issue with the Membership, she provided me wrong phone number. 
Experian is very judgmental and is biased reporting consumer information. Even if the Creditor is reporting something false, inaccurate, Experian would not want to dispute it. Per communication with several Attorneys, this is unfair and unethical practice, Under FCRA a Creditor can not report a consumer just to make their commission, interests, and collect money which a creditor is not due. 

XXXX kept on saying if you have a outstanding debt then a creditor will collect all the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rented an apartment for one year at " XXXX XXXX '' in XXXX, Texas. Vacated the apartment on XX/XX/2017. The apartment was in clean and rentable condition upon moving out. Five months later, I receive a collection notice from XXXX XXXX, a collection agency acting on behalf of " XXXX XXXX ''. In that collection notice, they state {$660.00} owed them for ; two full apartment cleanings, one for {$75.00} another for {$81.00}, water/sewer/trash totaling {$120.00}, these charges were already included in the last month 's rent, {$50.00} for refrigerator clean ( was cleaned prior to moving out ), pest reimbursement for {$5.00}, Utility admin fee of {$3.00}, couch removable for {$200.00} and on and on. 
I worked with the collection agency, they even stated this was a bit unusual, especially five months after the fact. 
In working with the collection agency, I came o find that I was charged a {$200.00} pet deposit and {$10.00} per month pet fee, I never had a pet in the apartment. Additionally, they never refunded my {$250.00} deposit, this totals {$570.00}. No one mentions these cost in the collection notice. 
I am in process of moving and find that XXXX, the tenant screening company has this issue listed on my credit report and I have been denied housing. I tried to work with XXXX and sent them papers that I sent to the collection agency to resolve this issue. I received a do-not-reply email from XXXX stating they can not ever change the credit reporting status. I find it bordering on slander and liable that a credit reporting agency such as XXXX, who does work for the apartment complex 's is unwilling to resolve this issue. Trying to call and converse with them is almost impossible and they never return a call, only the do-not-reply email correspondence. 
The XXXX  lists many complaints against XXXX, many people with the same issues as myself, nothing seems to get resolved. 
I need your assistance in resolving this matter.
Product: Credit card or prepaid card

I went to, pay my XXXX bill and gasp at the high amount. As I looked I realized there were three amounts/billers that I did not recommend. One was for {$1800.00} early in the billing period, the second about 10 days later for {$20.00} and a third at the end of the billing cycle for {$5200.00}. 

I reported it to Bank of America and they said they would look into it. They denied it was fraud and was consistent with previous charges with the merchant. I have never done any dealings with them. I have no merchandise, no delivery notice. 

I checked the transaction on the entry and they are to the same business. I called the number XXXX claiming to be XXXX. They had the options, welcome, etc. but never could speak to anyone. After 45 minutes of trying I gave up. My XXXX display had on the top of the call fraud XXXX. 

I have sent three letters to them to ask them to reopen and still the charges are mounting with now interest. 

The federal fair trade act has Bank of America as a % liability policy. 

Ive reported it to Police here in XXXX. The case is on file in XXXX county I wrote to our attorney general
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts have been reported to my credit file that I have No knowledge of nor have I received any goods or services from these fraudulent accounts and Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've provided XXXX and Experian with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX and Experian has not deleted inaccurate accounts off my credit. XXXX/XXXX XXXX and XXXX XXXX XXXX is not mine. Neither has XXXX provided me with proof the accounts are valid within 30 days. XXXX was not provided proof so they deleted these accounts in 30 days ( since XXXX 2017 ) but XXXX has not complied after I have complied and provided proof those accounts are not mine. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws