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

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX ACCOUNT I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Payday loan, title loan, personal loan, or advance loan

Payment was due XX/XX/year>. On XX/XX/year> I sent in a cancelation of ACH Authorization as stated to do in contract. I didn't have funds in that account so I was going to call Friday to give payment information but saw that they took payment from canceled account. This made me have 2 overdraft fees with that payment coming out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft fruadulent account under my name i did not apply or open this account XXXX XXXX XXXX   and trust Open XX/XX/15 Amount XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to these negative reportings ( XXXX missed payments ), on my credit report. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. DATE OF OCCURENCES ; Reporings from ; XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX updated which damage was already done on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2016 I received a check for {$8.00} from Wells Fargo. I called the XXXX number on the letter where they asked me for my social ; the whole conversation felt fishy. I went to my bank to discuss this with someone. I was informed my account was closed a month ago. To my shock, I demanded and explanation. No one could provide me an explanation as to why my account closed and why i had received no correspondence. If I received this check, why was I not receiving any correspondence about my account closing? I am furious and concerned. I am certain that there is a flaw in the system and Wells Fargo is not contacting customers about account closures.
Product: Debt collection

Trans World System Inc started to contact me in regards to a debt that was already being garnished from my wages by the Creditor and tried get more money to be paid. They kept calling me to ask when I can pay the collection and I told them to stop calling me because payments were being garnished. Over the next few months they kept calling to receive money and I told them not to contact me anymore and to contact the Creditor that sent them my information. Still they would not stop contacting me and the Creditor is not doing anything to stop this collection agency from bothering me, even though they are par is bing my wages.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate unverifiable accounts, unresolved the consumer financial protection bureau CFPB has recently filed a lawsuit against XXXX, a legend, systematic issues, such as a failing to forward, consumer provided evidence to furnishings accepting unreliable responses, and failing to adequately, notify consumers of dispute outcome these failures aligned with my experience where experience has neither corrected or removed disputed items the evidence I provide cause ongoing harm to my credit I am requesting immediate corrective action to remove our amend the disputed account as XXXX in action violate federal laws and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my frustration with Midland Credit Management and the negative impact they are having on my XXXX XXXX. I disputed this Account multiple times and have been attempting to resolve the issue with them. 

Despite my efforts to resolve the matter, Midland Credit Management has continued to report the alleged debt to credit bureaus, which is significantly impacting my credit score. As you can imagine, this is causing me a great deal of stress and frustration, as I have worked hard to maintain a good credit rating. 

Here I include XXXX tracking numbers : XXXX and XXXX, and I am prepared to take further action if necessary to protect my rights and interests. 

I request that you investigate this matter and take appropriate action to hold Midland Credit Management accountable for their actions. I also request that any negative reports related to this alleged debt be removed from my credit report, Because they are inaccurate and unjustified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Experian. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Experian has failed to provide the method of verification as required under Section 611 ( a ).

Experian has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Experian updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.
Product: Debt collection

I have already disputed this account once and the information received doesn't provide me with the full transaction history, payments, purchases etc. Something is not right here. I do not owe this debt.
Product: Bank account or service

Please see attached for description of problem that has been ongoing since XXXX XXXX. Wrong legal description on current loan through Bank of America holding up a new loan. Having tried countless times, phone calls, faxes, etc. to get the documentation resolved for a final loan to be obtained for XXXX of our other homeowners loan, we were met with so much conflict, employee lack of knowledge, brushed off, as well as several times being told to patiently wait until XXXX XXXX to allow the problem to be resolved. In XXXX when we again called we were told the problem was resolve in XXXX, at which point we applied for the loan again, only to be told it was NOT corrected. and again later ... with a final person saying we have to make the corrections on our end. In saying this we have had our loan application expire each time due to Bank of America. I am attaching all documentation. I hope we can get this resolved as it has caused so much work on our end, along with our banking institution, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, who has been patient in working with us should be commended, not to mention the title company. We have never dealt with a company like Bank of America that gives so much run around and lack of assistance. I hope you can help us. 

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

Hello, There is a Bankruptcy on my credit report that isn't mine. I believe it's fraud. I've disputed this item multiple times and they haven't removed. Per the 609 section & regulation they need to send me a copy of my signature and the originial contract. I haven't received the person they talked to or anything. I need this removed asap. The case number is XXXX. This was filed with the XXXXXXXX XXXX XXXX XXXX. I wrote a letter to the court asking them to send me something in writing saying the did not report to the C/B, I have that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$420.00} XXXX  XXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX  THIS OS NOT MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit score with Experian after being rejected by XXXX XXXX for a credit card. I come to find out two XXXX XXXX XXXX credit cards in my name with unpaid balances. Account numbers XXXX and XXXX. I did not open any XXXX XXXX XXXX credit cards, but I was getting phone calls that the phone caller ID shows as XXXX XXXX XXXX with people asking if it is me. I disputed the issue with Experian who indicated the company reported the information was certified to Experian that the information is accurate. I know believe XXXX XXXX XXXX used my personal information to open unauthorized accounts based on the recent case involving XXXX XXXX XXXX. Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to Experian for multiple inaccuracies found on my credit report. Mainly a report of Bankruptcy on my report and the status of multiple accounts showing as " account included in bankruptcy. '' I never filed for bankruptcy and there should be no reference mentioned on my credit file. 


The investigation from Experian came back as verified for accounts such as : XXXX XXXX, XXXX and XXXX. All of these accounts also show paid/never late.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : Please remove these immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report I did not consent nor did I benefit from the following accounts. They are fraud and please remove immediately. 

Yours Sincerely, XXXX XXXX
Product: Checking or savings account

Let me start by saying DO NOT BANK WITH THEM DO NOT PUT YOUR PAYROLL DIRECT DEPOSIT WITH MONEYLION!! 
Let me share my frustrated experience with this awful company my account from nowhere was put on hold they sent me an email to send my documents which I did to retention support only response I got was we will verify your documents within 1 to 2 business days waited till 3rd business give them a call supervisor by name XXXX XXXX guarantee me account would be fixed by today XX/XX/13 nothing yet when I started questioning what's the hold not able to provide me any type of information when I ask them what's the dedicated team number no information provided either when I question them why was my account flag they couldn't even provide me with a straight answer I have sent multiple emails to that dedicated team that has no number or able to transfer and guess what no response either as a consumer we do have financial laws that protects us and for me this sounds like a SCAM I have cancel my direct deposit from my employer due to this matter they basically stealing my money I will be reposting this everywhere possible even to there headquarters I decided one last time to speak with a supervisor and not even a SUPERVISOR can give me a straight forward answer how can you trust a so call bank when they can not provide any type of information after verifying your identity multiple times at this point i just want my money and there not willing to give me my money back!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in response to the recent investigation that took place on my credit record. I do appreciate the time you take in correcting some of the misleading information previously listed on my credit information. However, I still need to assure complete accuracy on all items posted on my file. Therefore I ask you to provide me documentation regarding the precision of the items in question. Please conduct another investigation into the accounts below. 

XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} My previous appeal for you in order to present me along with the details as to the person you talked to such as the addresses and names of the person or persons approached has regretfully not even been accomplished. After all this, I'm thinking about court action and then have established the operation of contacting legal " recommendation ''. I am inquiring for one final time that you still generate me by making use of the important information that has been recently questioned and of course make sure to produce me with a copy of the deal signed or voice chat where I signed up charging me in this particular account. If not you are required to remove this from my credit report according to the Fair Credit Reporting Act and the Fair Credit Billing Act. 

XXXX XXXX XXXX Balance Owed : {$490.00} This Account was already deleted from the other Credit Reporting Agencies . You do not have the rights to continue this erroneous reporting and need to stop immediately. If the Credit Bureaus did the same actions to verify this account, how come this account was deleted from the other Credit Bureaus and still be reported in your Credit Bureau? According to Fair Credit Reporting Act, the Credit Bureaus are required to report accurate information. I need you to stop this erroneous reporting and delete this account completely from my Credit File. 

XXXX XXXX  XXXX Balance Owed : {$9700.00} How many times do I have to tell you that this alleged repossession account is reporting erroneously? This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Debt collection

I received a correspondence from First Federal Credit Control, XXXX dated XXXX XXXX, XXXX about an alleged debt. On XXXX XXXX, XXXX, I sent First Federal Credit Control a certified letter requesting valididation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. 
On XXXX XXXX, XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demaded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. 
On XXXX XXXX, XXXX, I received an alert from XXXX stating that First Federal Credit Control added a collection account to my credit report. 
I made it very clear in my letter to provide me validation of the alleged debt, to not contact me via email, and also requested that they do not report this alleged debt until they validate this alleged debt. I still have not received any responses from my correspondence nor any documents validating this alleged debt.
Product: Debt collection

I was contacted this morning around XXXX by the portfolio recovery associates # XXXX. The caller poorly informed me/refused to tell me who they were or why they were calling until I confirmed who I was. After I did, they went straight to telling me about a debt they were trying to collect, of which is a credit card debt that can only be from more than 6 years ago. My credit report doesn't even show it anymore, it has been written off completely ( I verified this with two companies ) In others words PRA is still trying to collect old debt that isn't even legally due anymore. I also found it incredibly rude that they refused to they me who they were before I " verified '' who I was. I didn't want information other than who they were.