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

XXXX5 U.S. Code 1681s2 - furnisher shouldnt report information that is known to be incorrect ; cost me to get denied waste money because my score is wrong 15 U.S. Code 1681 A 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system 15 U.S. Code 1681 A4 violated my right to privacy My experian has more accounts than XXXX XXXX Payment XXXX Card XXXX % XXXX XXXX Experian Payment : In pictures its doesnt add up
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! The information in my credit report and below is wrong. It was never proven to be factual, so now I have decided to exercise my consumer rights! I know I'm entitled to accurate and current information about my finances. So, when the misrepresentation of facts is found on my credit report it can and has had serious consequences! This means I need you to fix these problems right away before they get worse! I am exercising my right to be informed of any inaccuracies on my credit report. I request that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX shows a non-sufficient activity report from South State Bank that I have an unpaid balance of {$130.00}. 

XXXX. XXXX XXXX  denied my application to open a XXXX account based on this report. 

XXXX is not my account nor have I ever lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC. This was my mother 's account who lived at that address. 

XXXX. After my mother ( XXXX XXXX ) became XXXX with XXXX, I administered payment and reimbursements of : medical expenses, assisted living expenses, geriatric care fees, and other living and personal expenses. This was funded by my mother 's pension payments from XXXX  XXXX XXXX XXXX ( XXXX ) that went into the account. 

XXXX. After my mother 's death on XX/XX/2019, XXXX benefits stopped. The account ceased to have a source of funds*. (. South State Bank continued to process account fees and other debits after the account funds were exhausted while tacking on NSF fees. 

XXXX. This adverse report from an account which is not mine has unfairly caused me to be denied services from a financial institution despite my XXXX XXXX XXXX. 


*Her house was sold on XXXX with all proceeds used to pay medical, assisted living, XXXX  care, and other living and personal expenses
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
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 XXXX XXXX XXXX  Account Number : XXXX 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 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 the information is inaccurate.
Product: Money transfer, virtual currency, or money service

So recently me and my husband were looking for house for rent .We are new to Arizona we didn't know they were so many scammers on any abs .I don't know why XXXX gives you the option to request your money back when people are scamming us we didn't know it wasn't true until I have some show up to my home where I supposedly I paid rent XXXX  and I got scammed i have paper where supposedly I was never true that house never belong to them we got kickit and lost all that money I wish there was a way they can help please anybody .its not right. I have emails where he said me the lease to house messages .I really wish some can help we are XXXX XXXX XXXX XXXX And then the scammer still has the the courage to texts me laughing. So we tried to request are money back and they keep declined it .I 'm so stressed out i have no where to go .it sad how people can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a hard inquiry on my credit report after applying for a credit card with XXXX XXXX Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the IRS an unpaid charge off is an income and according to the FCRA income can not be reported on a credit report I received a 1099 c for the following account XXXX XXXX account XXXX Amex /DSNB account XXXX and XXXX XXXX account XXXX after checking my most recent report the unpaid information stated this account was still being reported.This account can not be reported as a charge off on my credit report.please cease the reporting and delete this account.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and XXXX XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Dispute! Ive recently Pulled a Copy Of my Credit File From XXXX, Transunion XXXX XXXX. Its very Concerning that theyve Failed to Notify me within ( XXXX ) Days of any Transactions and Experience That Was Being Furnished. As The Original Creditor and Authorized Beneficiary These Transactions was shared Without Consent Nor did My Family Benefit From them They are Damaging my Consumer Report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRES Remove all Inquiries From XXXX, Transunion XXXX XXXX Dated From XXXX to XX/XX/2023. Per I Have no Written Contract or Agreement with any of the Furnishers thats listed I Authorize The Consumer Protection Bureau to Investigate and Remove All Unauthorized Items Under The GLBA and Privacy Act ( 15 ) Calendar Days To Comply or Any and all Legal Rights will be granted
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed any paperwork, anything on a devise or verbally agree with anything. I do not have the product that was supposedly sold to me. All my information was filled out by an agent with some company and I did not acknowledge the loan she was creating in my name. I have attempted to reach out and cancel it through the loan company and they have done nothing even after saying they will multiple times. I have also disputed it with all 3 credit bureaus and only XXXX has taken it off. The other two keep saying it was verified and updated. I am a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint number 3. 

This account has been VERIFIED AS ACCURATE AND UPDATED : Yet, on my credit report The last payment reflecting an OK ( current ) status ( paid ) jumps from on time to 60 days late. ( Attached ) I disagree that this account is accurate. My understanding is that 30 days comes before 60. 

Therefore, this account is not accurate : How was it Verified as such? 

If you can not fix this and report accurate information as the FCRA regulates, then notify the CRA ( s ) for deletion of this account from reporting onto my consumer report.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete.

I want to remind the Furnisher ( Bridge-crest ) of : Prohibition on Reporting Inaccurate Information.

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA.

The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. 

If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.

In addition, Furnishers Duty to Investigate.

If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.

Finally, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

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

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identification theft. My information was stolen via a data breach with XXXX. I have tried on multiple occasions to have the fraudulent accounts removed from my credit reports to no avail. I have sent the credit reporting agencies copies of my police report, FTC affidavit, and my signed sworn declarations but they refuse to remove the fraudulently opened accounts.
Product: Money transfer, virtual currency, or money service

With reference to my multiple complaints raised to get back my money which is currently with chase and last complaint # XXXX which is closed without resolution and sending my money by chase, Please reopen the request and request you not to close until I receive my checks at shared address. The required documents were already shared with chase with notary and every-time chase just asks for documentation from me but have not resolved my issue by giving back my money since XX/XX/2019. The amount of {$6500.00} and {$900.00} which is my money with chase bank. Documents are attached in this complaint since I am tired of this repeating process.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information. The account listed XXXX Account # : XXXX has several inaccuracies which means this account has not been properly validated and verification can not be provided. This is a violation of my consumer protection rights under FCRA. 


Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I have called XXXX and am unable to login to portal. I closed my credit card account years ago and that immediately canceled my ability to log in and cancel the credit journey online. I have attempted to over the phone provide my social my information, my email etc and agents are unable to pull up my account or tell me that my account ( the credit journey account that ) is no longer active. However I still get emails and Chase still shows up on my credit report as inquiries. 
I believe that they are gathering my credit information against my wishes and I have no recourse to stop this.
Product: Debt collection

Hi,I recently discovered that my bank, USAA placed a hold on all of my checking accounts for varying amounts of money due to the fact that the state of Virginia placed a incorrect funds hold. The state of Virginia believed that I owed back taxes for 2015 but they were incorrect because I did not live in Virginia in 2015 then or now. I was required to fax my tax documents to the state of Virginia in order for them to removed the hold on my accounts. Once, the hold was removed, I discovered my bank USAA had charged me XXXX fee for legal services rendered. I feel this is an unfair and unjust charge as I did not owe back taxes to the state of Virginia, therefore, should not owe XXXX. I disputed the charge with no success because they stated its their policy and will not budge under any circumstances.This fee seems more like a scam between banks and the state. The state falsely places a hold on someone’s account and when rightfully disputed, they release the funds but the bank unfairly profits. This scam could have attacked hundreds to thousands of people creating a significant source of income for a bank. How a bank can justify its use in fees in beyond me in this case.Is there any legality to these ‘legal fees’? Is there any process that I can take on to get this investigated in an official capacity? What is my recourse for this?I appreciate any help that you can give at this time.Thanks,XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiry on my Equifax credit report from XXXX XXXX XXXX on XX/XX/2022 and I have never had a car from there or signed any papers from that facility. I tried contacting the personnel from XXXX who reports to the credit bureaus but havent received a call back yet could I please receive help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my right 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. 

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

This account has been disputed several times with XXXX as well as the credit bureaus. XXXX has it in their system that it is XXXX balance and settled in full. None of the 3 credit bureaus seem to reach out to XXXX to investigate no matter how many times I dispute this.
Product: Credit reporting or other personal consumer reports

There has been an identity theft on my Transunion credit report as someone tried to apply for a credit card with the banking institution named XXXX XXXX on XX/XX/year> using my name, SSN and other details without my consent or knowledge