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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRY has violated my rights . Or 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Account Duplicated Incomplete Account Numbers Inaccurate name reported Fraud Debt
Product: Checking or savings account

I was scammed XXXX dollars in total back in XXXX in the days XXXX XXXX XXXX. Through my cash app and my XXXX that was connected to my bank. XXXX was through XXXX and XXXX was through XXXX. I tried to dispute these charges with all three companies back when but they all laughed at me and told me their was nothing they could do. None of the companies put a hold on my account from my bank all the way to XXXX and cash app. XXXX dollars is a lot of money especially when their was XXXX total charges. One of these companies if not all should of put a hold on my account! None of them did
Product: Debt collection

RE : Statute of Limitations in Minnesota Good day, I hope you are well and I appreciate your timely response. 

Today, XX/XX/XXXX, I got a call from XXXX XXXX with a litigation threat XXXX on my home if I do not pay up a debt occurred in 2004 and was given XXXX hours to respond or I will be forced to XXXX XXXX. 

My wife was worried and I called the number back to clarify what that debt was and requested for information but received zero documentation. I was told it's with Citibank so I called Citibank and Citi bank advised that I have no outstanding debt with all accounts closed appropriately ever since. I called XXXX XXXX to report that it's a mistake and I have no existing debt with a XXXX score of XXXX as I actively check my credit scores. 

The officer at XXXX XXXX stated that if I dispute then I will have to bear XXXX the costs to be in court and I felt threatened as I have never in my life been in court or failed any payments. 

I reluctantly paid the costs as we were afraid about the lien threat on our home and I am truly afraid of any escalations. I checked again with Citibank and again they confirmed that I have no recorded debts and was asked to share the docusign for their reference. 

Did I make a mistake? I did not get proof of what the payment was and felt scammed. 

Please advise what I should do and I'm afraid that such threats may arise again. 

Thank you for your time and support. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and XXXX XXXX XXXX I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report
Product: Debt collection

I have called XXXX XXXX XXXX and waited for a correction of my bill as of today 's date I have not heard back from them. They would continue to hang up the phone and act like you never called to deal with the account as of today 's date I received notice from a collection agency in the name of Sunrise Credit Services for the amount of {$990.00} but how can I pay you when my account was never fixed and how can I pay you when i am waiting on a final bill and how can I pay you when your staff continues to hang up the phone or put me on hold for long periods of time for more than 2 hours I have been on the phone sometimes for 8 hours in one day and still nothing resolved and when you call back the next day its is like  nothing is pending and no record of you ever calling XXXX XXXX XXXX they have extremely terrible customer service that is affecting their business and the service is expensive paying for services that the customer is not receiving due to constant system upgrades.
Product: Debt collection

While staying at the hotel XXXX XXXX XXXX in XXXX in XXXX of XXXX, I was approached by a sales rep. for a company called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX. They invited us to a complimentary brunch to show us the benefits of becoming a member. In my desire to travel more with my wife for a discounted rate, we joined based on the claim that a stay at their hotels around the XXXX and XXXX would be at discounts up to 40 % of prices on other websites like XXXX. 

I quickly found out after returning to the XXXX that the XXXX website showed no discounts and were in fact more expensive than other travel websites. In XXXX XXXX, I submitted a signed letter requesting a cancellation as per their required documentation and only received an email back saying " Your request is being reviewed. '' All of my requests to confirm my cancellation were ignored. 

In XXXX XXXX, I received a letter from a collection agency stating that I owed the balance of my membership. XXXX, a company based in XXXX, is using XXXX collection agencies to unjustly force Americans to pay for a service they did not provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three 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 include it again. Kindly correct or delete the following items 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 am going though identity theft! It has completely turned my life upside down making me paranoid, and has brought out challenges as in my XXXX and heightened them as well I have meet and exceeded expectations that the bank has requested in my option, and have had to be part of my own dehumanizing. As I am XXXX I am asking for a reasonable accommodations for my XXXX so I apologize in advance if I mispronounce, might not ask or explain thing probably. I do appreciate your patience with me. I have been a customer with BMO HARRIS sense XXXX in XXXX I opened a business banking account for my charity the XXXX XXXX I do outreach and advocate for individuals with XXXX including myself I was refused the reasonable accommodation as well as simple fundamental customer rights I believe the identity theft is though the bank I am convinced I am truly at a loss for words as I watch my credit score and my public image, and mental heath are diminishing. I live on a fixed income and cant afford the money, time from school, and the Commuity that I help I am also part of the XXXX XXXX XXXX of ccs programs of XXXX county and I have put everything on hold they have subjugated me to ableism on a level that has left me crying myself to sleep nightly. I never asked to be born little loan with XXXX and I have overcome all adversities life have thrown my way but this one with the bank has prolly been the hardest and thats a bold statement please help me I have supporting documents as well I have went to the bank over thirty times in the last two months only to be refused service or misspelling my name on the business account and the refusal of the documentation from the IRS on two different occasions I was flagged as fraud as well because the misspelling of my name multiple times from the bank has me as having alias and now my capital one accounts were compromised as when the 360 banking with capital one reached out to verify me XXXX XXXX XXXX gave them false and fraudulent information about me I know this sounds far fetched but I can prove everything with documents and a mound of evidence thank you for taking the time to reach this sincerely XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to obtain my yearly free credit report from Experian, was unable. I had no issues obtaining my report from both XXXX and XXXX. In fact, Experian mailed me my last copy of my credit report to the same address as I have now on XX/XX/2017 under report XXXX. Agency should not be able to " pick and choose '' as to when they want someone to jump through hurdles of mailing identifying information through the mail in order to obtain the report for which I am entitled to. 

I do not have any fraud alerts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and somebody has stollen my identity.
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 researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian, XXXX, and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Experian continues to report an account into my credit profile that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Report XXXX/XXXX - XX/XX/XXXX - XXXX, IL XXXX   XXXX XXXX XXXX - XX/XX/XXXX- XXXX  , LA XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX  , LA XXXX XXXX - XX/XX/XXXX - XXXX XXXX , CA XXXX XXXX/XXXX  - XX/XX/XXXX - XXXX/XXXX XXXX XXXX - XX/XX/XXXX - XXXX , OH XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX , UT XXXX  I spoke with customer service and they would not take care of it. Please help me get this resolve.

Thanks,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX shared my account information with all three credit bureaus without my consent
Product: Credit card

I have received a pre-approval letter from Chase for an XXXX sponsored credit card. I sent in the application, and immediately was notified the approval was good, and the card was sent. A few days after activation, the card didn't work. I received a physical letter from Chase that the account has been closed. They have provided no information about the decision. This is damaging to credit reporting due to opening and closing too many cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.SXXXX Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bill was due on XX/XX/XXXX. I paid my bill on XX/XX/XXXX. I understand I did pay my bill late, however, since there are only 28 days in XXXX I was not 30+ days late by paying on XX/XX/XXXX. This did not stop XXXX XXXX from tagging my credit bureau with a 30 day late derogatory mark though. When I called to try to resolve the issue with them the woman was very rude to me and told me there was nothing they could do. They obviously do not care about people as they claim. This has dropped my score 140+ points from a XXXX to a XXXX. This is the only derogatory mark on my entire credit history and it won't go away for 7 years! I now can't finance a XXXX that I need to have. They also tag on a ton of extra " fees '' to your payment. My XXXX bill was 100 higher just due to these unknown fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that Merchants and Medical has failed to properly respond to my request for proper and full debt validation, not verification as sent certfied mail. As a consumer, i have rights under the FCRA. Not only was the alleged debt not validated and no burden of proof was provided proving that the alleged charges belong to me, the request was also not meant in full. Only certain accounts listed on the request were answered as others were ignored. I also have recieved with the notice returned, nothing to indicate any further notice to be received in regards to addressing the other accounts listed. I understand that the account exist, however i am disputing that i am responsible for it as signatures or original documentation have not been provided nor have any other forms of proof. It is my request that all of the accounts upon which i requested validation, be removed from all 3 credit reporting bureaus as they are falsely reporting and having adverse affects on my credit. If action to do so has not been taken within 30 days. I will seek legal counsel to file suit.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Credit card

1- I have had a B of A credit card ( ending in XXXX ) since XXXX with a limit of XXXX XXXXXXXX. 
2- I have always paid full balance on purchases at the end of each month.

3- I have NEVER been late on payment, all done via electronic payment from my checking account.

4- In XXXX, B of A sent me mail solicitation for a " 0 % interest for about a year '' cash transfer. I took XXXX XXXXXXXX plus {$900.00} fees. 
5- I paid the monthly payments, automatically, on time, every month.

6- On XX/XX/XXXX, I paid B of A THE ENTIRE BALANCE OF {$27000.00}. 
7- In XX/XX/XXXX, there was an unauthorized charge of {$75.00} to this credit card. 
8- I contacted B of A and the merchant several times.

9- The merchant finally credited back the card for {$75.00} in XX/XX/XXXX. 
9- B of A removed the interest of about {$3.00} in XX/XX/XXXX. 
10- B of A, wrongfully reported me to credit agencies as 30 day late in XXXX, 60 day late in XXXX, and 90 day late in XXXX. 
11- B of A failed to correct the derogatory record, EVEN AFTER the merchant admitted error, and credited me back, and B of A removed the interests.

12- B of A, wrongfully closed my account on XX/XX/XXXX. 
13- B of A, again, reported me as 30 days late in XXXX and in XX/XX/XXXX, when in fact the account had XXXX balance and was closed!
Product: Checking or savings account

I received an email XXXX from Chase Bank saying We're reviewing your Chase Total Checking application You're all set for now. We'll send a response to the email address you provided on your application within 1 to 2 business days. 

Please don't resubmit your application, which could delay our response. 

Thanks for your interest in a new Chase Total Checking account. 

I called Chase who said several accounts were open in my name but nothing was active. I have never banked with Chase. 

Then this morning I received an email saying Your new Chase Total Checking account is open and ready to set up Here 's a quick look at how to get started. 
Your card is on the way Chase Mobile app on phone screen and a Chase debit card
Product: Debt collection

XXXX : Acct. XXXX To Whom This XXXX Concern : As i have not heard back from " Equifax '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, i XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.