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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

This is my XXXX requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized person shown on credit reports for a credit card account. I did not authorize this person. I disputed this information with Experian in 2017 and current report still shows this person as an authorized account holder. This name was recently used as a security question for me to obtain use of a financial database and I was declined because I do not know this person.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous complaint I filed against Experian regarding their failure to properly investigate a disputed item on my credit report. Despite my initial complaint, Experian has still not provided any proof of their investigation, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

With the recent lawsuit against Experian for similar violations, it is evident that this is an ongoing issue affecting many consumers. I urge the CFPB to take further action to hold Experian accountable and ensure they comply with federal regulations. 

Please provide an update on my previous complaint and advise me on the next steps to resolve this matter. Thank you for your time and assistance.
Product: Checking or savings account

On Friday XX/XX/XXXX I randomly received an email from Credit Karma stating my Money Spend account was frozen and to contact support. I contacted customer service to find out why it was frozen and no one could tell me why. I then asked how long the issue could take because I needed access to my funds. Once again nobody has a standard timeframe on anything. I contacted them multiple time to try and find out what made them freeze my account and kept getting the same response of they dont know why and a special team is investigating and Ill hear back. I called by phone and requested a supervisor who couldnt answer my questions either. I expressed to them I needed to speak with someone who does has answers because I needed access to my funds to pay bills and need to know why it was frozen and what needed to be done. Still no resolution. I asked them how much is there to investigate when the only transaction on the account was a direct deposit that hit the account that very same day. I told them the name of the deposit, my fiancs name ( his direct deposit ) and told them his address ( which is the same as mine, address thats associated with my credit karma account ). The supervisor even hung up the phone in my face which is very unprofessional. Here it is over 24hrs later and I still cant access my funds nor does anyone still have any answers. I have XXXX kids, XXXX who are still in diapers/pull-ups. This is a huge inconvenience and a company shouldnt take this long to resolve issues concerning members funds. This jeopardizes peoples livelihood when you cant even purchase necessities to live on a daily. They need a better and quicker process on how they handle this.
Product: Credit card

RE : Adverse Action XXXX Dear CFO XXXX XXXX XXXX XXXX the consumer and natural person, was denied credit by PENFED CREDIT UNION when I applied for a personal loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and 15 u.s.c 1692k. 
You are subject to criminally liability for violating I have proof that i was discriminated against by PENFED CREDIT UNION due to the response, I received and was subsequently denied credit. Regardless of the reason for being denied, I assert my right to fair access to credit. Withholding my access to my securities is a form of securities fraud. This action violates both the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 



Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PENFED CREDIT UNION If PENFED CREDIT UNION fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make PENFED CREDIT UNION criminally and civilly liable for all actual ( {$10000.00} ; per violation ). 

Thank you, XXXX / Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card or prepaid card

Hi there. Within the past year, I have been the victim of identity theft. An Amazon store credit card was opened in my name, but I do not even have an Amazon account. I have constantly attempted to get this card removed from my account and my credit report, but nothing has been done. It is still connected to my chase account, and now the unauthorized transactions are so great to the point that they have maxed out the card and the card is locked. Chase still claims that it is my card, even though I do not have possession of this card, and I have never used it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 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 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an 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 enter dates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act, I assert that the following accounts have breached my rights to privacy and confidentiality as established under 15 USC 1681 : XXXX XXXX XXXX ( account ending in XXXX ), XXXX  XXXX ( accounts ending in XXXX and XXXX  ), XXXX ( account ending in XXXX  ), XXXX XXXX XXXX ( account ending in XXXX  ), XXXX XXXX XXXX ( account ending in XXXX ), XXXX XXXX ( account ending in XXXX ), and XXXX XXXX ( account ending in XXXX ). The Act, specifically 15 U.S.C. 1681 section 602 A, affirms my right to privacy. Additionally, 15 U.S.C. 1681 Section 604 A, Section 2, mandates that a consumer reporting agency can not release an account without my explicit written permission. Further, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from creating a report containing any adverse information older than seven years. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) dictates that no one should provide information about a consumer to a reporting agency if they know or suspect that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking a look at my credit and saw several accounts on my credit that I dent know anything about. I need someone to help me with this becasue I dent know what to do now XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and there is another account with no name but the account number XXXX. I also saw where a lot of people ran my credit and Im just seeing this and I did tell them to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX I reached out the FTC and Im doing this on my own for really ask for your help.
Product: Credit reporting or other personal consumer reports

There has been a breach of trust. NATIONAL DATA BREACH several times has affected us mentally and physically. Endless phone calls, long wait times. No resolution only a decline in scores. Faulty systems and no one seems to care about the damages. We are not sleeping at night and can no longer build an appetite to eat due to the stress and worry. Unable to provide the daily necessary household functions because everyone judges us on a score which is blatant discrimination dressed up in the term credit worthiness. When the people have open- end credit and the people are the true creditors. Selling of securities and not paying out or properly filing tax forms caused me serious problems. Companies are showing favoritism to a certain demographic and that is a problem. Where is the good faith and fair dealings which implies that if one party receives a benefit or treatment, others in similar situations should not be unfairly excluded from receiving the same. Where is the valuable consideration?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate deletion of the items in question
Product: Student loan

I attended a predatory school that had misleading and false information to enroll students in light of their accreditation regarding my finances and livelihood. This ultimately cause a domino effect which cause the loans for into default
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to Equifax to resolve and credit issue, by submitting documentation of my identity on an unknown fraudulent account XXXXXXXX XXXX  account XXXX XXXXXXXX and unknown bankruptcy in my public file which has not been verified to me by Equifax the same documentation has been submitted to XXXX  and XXXX they have reply and throughly investigated this account in removed XXXXXXXX XXXX for numerous violation and removed bankruptcy from public file XXXX XXXX account XXXX XXXXXXXX and equifax has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. 

Also documentation has been provide farther from bankruptcy courts listed in my public file that no information has been provide to No credit bureau or third parties to have a bankruptcy in my public file which equifax has violated my right by stating the public file was verified and hasnt shown any proof of source of this information. Which I have requested my written instruction to see. Failing to not provide this information this Public record must be REMOVED IMMEDIATELY!! Under these violations 15 U.S.C. 1681 b ( a ) 2 15 U.S.C. 1681 g section a ( 1 ) 15 U.S.C. 1681 c ( a ) section 5 states any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years. 

Also a letter from XXXX XXXXXXXX was provide to equifax which is powered by equifax has stated in there findings there is no information of me in there data bases, which question equifax honesty on several dispute investigation I have requested on numerous accounts they have stated it was verified if this is so where is the information provide where you gotten this information from to verify this bankruptcy if any information has been shared by you or shared to you by any third parties is in violation of 15 U.S.C. 1681 C-2 Im demanding XXXXXXXX XXXX account XXXX XXXX to remove completely from my credit report Under 15 U.S.C. 1681 C-2 section c No later than 4 days of this notice request Im demanding the bankruptcy in my public file to be removed under several violation listed in this request 15 U.S.C. 1681 ( d ) section 1
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Block this account that is erroneously reported in my file : XXXX XXXX XXXX XXXX Balance : {$4900.00}
Product: Debt collection

on XX/XX/2021, i sent a letter to Security credit Services , LLC about a alleged debt of {$28.00} that i don't owe and its damaging my credit. I haven't had any dealing with XXXX XXXX XXXX and requesting information about the debt and has attach a copy of the letter below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a secured credit account eith Chime / XXXX. I always keep the set amount in the account. Infact my paycheck is deposited directly into it. They are reporting I owe {$4400.00} and it lowered my credit score. It is a checking account. I owe nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows XXXX on XX/XX/2013 But shows a last payment XX/XX/2013
Product: Credit card or prepaid card

This complaint is directed toward Bank of America. 

I always pay my credit card in full each month with the Bank of America Travel Rewards Card. When I paid myXX/XX/XXXX bill, I was not sure that my payment of {$840.00} went through, since I did not receive an email confirmation. 

Therefore, I paid the {$840.00} ( again ), and later on, realized that I probably paid twice. The payment interface allowed me to submit the {$840.00} twice even though it was a very specific amount, and a reasonable person would probably stop me from paying the same amount again. 

I called my checking account bank, XXXX, to stop the charge. Then I called Bank of America to make sure that everything is okay on their end, I was told that all was fine. 

Three days later, I was charged {$25.00} for a bounced check fee. I called Bank of America to see if they can waive the charge, since 1 ) it was an obvious double payment and I was not warned, and 2 ) I was already told by a customer service rep everything was fine. After spending more than 20 minutes on the phone, I was told no by two separate customer service reps who suggested it was my fault.
Bank of America should make it easy for consumers to not double-pay their bill, and to at least warn us that there is a fee involved. This should be stated clearly on their bill pay page, and the fact that it is not there is a lie of omission.
Product: Credit reporting or other personal consumer reports

I am writing to express my urgent concern about the lack of updates to my Equifax credit report. For the past several months, I have been consistently charged for the Trio product from MYFICO, which includes reports from XXXX, Equifax, and XXXX. However, my Equifax report has not been updated in months. 

This is a significant issue, especially as a recent data breach victim. Having complete and up-to-date information on my credit report is vital for my peace of mind. The lack of updates from Equifax undermines my trust in their agency. 

Given the missing updates, I would appreciate it if you could investigate this issue and ensure my Equifax report is updated as soon as possible. Additionally, I would like to inquire about a possible refund for the months during which my Equifax report was not updated. I contacted Equifax and I was told it was security issue with my phone number, and once I updated my phone number the block or removal will be removed. Its been over 24 hours and I still have not been able to access my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all documentation to the credit bureas about fraudulent items that are showing on my credit reports. An identity theft statement, police report, a victim statement and a name of all accounts, addresses, names, birhtdays, ect to the credit bureaus. The credit bureaus replied with a letter stating that they refuse to block the fraudulent information. These items are fraudulent and do not belong to me. they stated that i must have gained from these items. it is a store on the report that is for kids. i am a XXXX year old man. i am not even familiar with this store. I am asking that the bureaus immediatly block and remove all of these fraudulent items immediatly.
Product: Checking or savings account

XXXX support tech scammed me into XXXX money to them. In the amount of {$3400.00}. There were 9 different XXXX transactions from account taken. Money was withdrawn that I did have available. I only had around {$400.00} and BOA gave them {$3500.00}. I got a letter from that my claim was denied because I author transactions. Wouldnt there be a red flag that there was no money in my account to keep in withdrawn if. Please help to get my account credited. My like is on pause for money that I did have but owe! How is this possible? There has to be a better system.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Re : XXXX XXXX Acct # XXXX Delete this account for reporting inaccurate information on date of first delinquency.
Product: Credit card

XXXX XXXX XXXX did not reply to your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice to agent is notice to principal notice to principal is notice to agent [ XXXX, XXXX, XXXX ] Put the name of the CRA you are addressing } } I sent a dispute in regarding inaccurate and incomplete information on my account { list Account here } and it has been over XXXX  days since you received my correspondence and you have not responded. 
This notice/ correspondence was sent certified mail green return receipt : { insert certified mail tracking number } it was delivered on { Put delivery date }. ( If you did not send certified mail that is okay just omit this part or you can attach your CFPB complaint number ) Information that can not be verified must be deleted. 
When disputed information can not be verified it is your responsibility to delete that information. In particular, Section XXXX outlines consumer reporting agencies responsibilities in responding to consumers disputes and, like Section XXXX ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). Section XXXX goes on to provide that, [ f ] ollowing any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delet [ XXXX ] it. XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Your Name _________________________________ Without Recourse XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank for XXXX 's clothing store ( credit card ). My bill was due on XX/XX/2021 for {$35.00}, I paid the account off in full on XXXX. In XXXX I get a report from the three credit bureaus regarding I have a late payment on my credit. I called Comenity Bank and spoke to XXXX XXXX # XXXX. She explained the above information to and said I owed over {$50.00}. I asked her again how is this possible when I paid if off on XXXX, the rep says well you didn't call to tell us your were paying off the {$35.00} so on XXXX your account was charged {$4.00} interest. I said on a {$0.00} balance? she said yes. I am floored at this point, if I paid this off how can you charge me interest? Not to mention she said this was paid off before my bill recycled. I asked her to remove the late fee that is now on my spotless credit record, she said she can't do that and does not know anyone who could. I asked to please waive these charges and take this off of my credit, she said she will wave the charges but i had to still pay {$14.00} to pay if off and if I am ever late again that amount that was waived would be re-applied to my credit card balance. WHO DOES THIS?
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim these accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my account