23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX Inquiries XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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

I already reached out to Equifax and to XXXX XXXX and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i am a victim of the equifax data breach.
Product: Checking or savings account

I have a savings account with East West Bank. After sending money to my friend and missing their query e-mail for sending money to my friend ( acting like XXXX is supposed to explain anything for that ), my account got closed from their side. 

I would not judge their behavior on the account closure even if it's ridiculous and outrageous. My logic is that if that is their decision I don't want to keep my money at their bank anyway. 

The real unpleasant experience began when I finally got time to ask East West Bank for my around XXXX USD balance back. 

Almost no feedback was obtained. When I emailed their customer service side ( XXXX ) and very clearly instructed my money withdrawal to my XXXX XXXX account in my name, I got total to XXXX replies and numerous BOT auto-replies. 

In XXXX of them XXXX precious replies, they simply inform me that " For account closure, it will take up to 90 days. '' They take like less than 9 days to close my account for sending my friend money, now when I wish to take my money back from their closed account, it need 90 days. I don't remember signing up anything for that. What can possibly take so long? The account I required transferred to is in my name, not like they are going to check my name for 90 days. 

In my view, East West Bank is being straight arrogant both for little respond and unfair treatments for customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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, and XXXX XXXX XXXX  have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account related to XXXX XXXX that I believe has been fraudulently created or involves inaccurate information. I have reviewed the details of the account, and I am confident that this is a case of fraud. 

The details of the fraudulent account are as follows : Account Number : XXXX Name on the Account : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX The account in question contains incorrect information, including [ mention specific details, such as the wrong amount of support, false claims of arrears, or an incorrect order of support ]. I have not been involved in any XXXX XXXX agreement, nor am I responsible for any payments connected to this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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: Debt collection

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DC XXXX Wells Fargo Bank , N.A . 

XXXX XXXX XXXX XXXX, MN XXXX RE : Acct # XXXX CFPB Complaint ID : XXXX To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim revolving account type closed condition here such as I owe {$5400.00} or my account was charged off {$5900.00}. 



I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 



I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 



As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 



I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 



Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 



I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance. 



My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DC XXXX Last 4 of SSN  : XXXX P.S. If needed, I will also provide a copy of this letter to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was part of a data breach as well as I have had my identity stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I currently have an account with BMO for XXXX business accounts. I accidentally deposited checks from XXXX business to the other business account. Both my cards look the same and unfortunately i put same pin to make my life easy. My account went to fraud investigation. I called the bank they made me go to branch. I went to branch expalined that it was my mistake instead XXXX business I deposited to the other business. this was XXXX weeks ago. My business has been on freeze, including my funds in the account and they are not release it waiting for some analyst to clear the way, Im not allowed to talk to the analyst, Im not able to complain to anyone to resolve the matter, just wait, in the mean time I have a business to run, bills to pay and my funds in the amount of XXXX or so are on hold for XXXX know how long. Please help me expedite the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

I have called Portfolio Recovery numerous times to stop calling me. They are looking for someone else. They repeatedly call, threaten, etc. They even started calling my place of employment looking for someone else. When ever I call them to tell them to remove the number that it is wrong, they get nasty and hang up on me, forcing me to have to call back and give them the other 3 numbers that they are calling. This is happening on a daily basis before XXXX, every 15 min or so on my cell phone, then they call my place of employment multiple times per day and fill up my voice mail with silence. If I answer the call I get silence. This has to stop. I have sent a written cease-and decist, even threatened to sue them all to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following unauthorized hard inquiries from my credit reports : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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, TX XXXX XXXX. 
# XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, SD XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 1681 Section 623 ( a ) ( 5 )
Product: Credit reporting or other personal consumer reports

I am writing to delete XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX  XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$9600.00} XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$4600.00} XXXX  XXXX XXXX {$9000.00} XXXX  XXXX XXXX {$7200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 EXETER FINANCE LLCXXXX has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Product: Debt collection

DEBT COLLECTION AGENCY. INACCURATE INFORMATION XXXX/XXXX  # XXXX ; ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ; ( XXXX ) XXXX ) Loan type : charge account Closed XX/XX/XXXX Purchased by another lender unpaid balance charge off Estimated Month and Year that this item will be removed : XX/XX/XXXX +++++++++++++++++++++++++++++++++++++++ JEFFERSON CAPITAL SYSTEM # XXXX, ( XXXX XXXX XXXX , XXXX. XXXX, MN XXXX ( XXXX ) XXXX ) Purchased for COLLECTION XX/XX/XXXX Loan type : Debt Buyer Lists Original Creditor as XXXX XXXX XXXX  ( not XXXX/XXXX  ) Estimated Month and Year that this item will be removed : XX/XX/XXXX +++++++++++++++++++++++++++++++++++++++++++++++ REMOVE INACCURATE/INVALID/ERRONEOUS INFORMATION REPORTING Jefferson Capital System lists Original Creditor as XXXX XXXX XXXX  Original creditor actually was XXXX/XXXX  and says account was purchased by another LENDER not by a COLLECTION AGENCY +++++++++++++++++++++++++++++++++++++++ how can Jefferson Capital list removal date as XX/XX/XXXX when XXXX/XXXX  lists removal date as XX/XX/XXXX ( original creditor ) how can Jefferson Capital list original creditor as XXXX XXXX XXXX  when original creditor appears to be XXXX/XXXX  theoretically they could be separate/differing companies both of these concerns are based on technical fact based inaccuracies ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe any debt to my prior landlord ( XXXX  XXXX at XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX ). I paid my rent in full and on time and provided notice of my intent to vacate the property per the terms of my lease at the end of my lease term. I did not cause any damage to this apartment. 

In this instance, my prior landlord is engaging in extortion, using intimidation and threats to compel me to pay money that I do not owe. I was referred to a collection agency XXXX XXXX XXXX XXXX XXXX and this debt has damaged my credit score. This debt has been pursued for several years even as I have filed disputes. I have attempted to communicate with XXXX XXXX XXXX. My mail was returned because XXXX XXXX XXXX moved and left no forwarding address. I sent my communications to the address XXXX XXXX XXXX provided the credit bureaus and includes on their correspondence to me. XXXX XXXX XXXX is being intentionally evasive. It should also be noted that XXXX XXXX XXXX is not a reputable company as they have at least 963 Consumer Financial Protection Bureau complaints ( mostly for improper debt collection practices ). 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has not provided any proof or documentation of damages ( including requested photographs, repair costs and invoices for repair services or materials ). I filed a complaint with the Indiana Attorney General, XXXX XXXX XXXX and various other consumer affairs agencies when this debt was initially pursued in 2015. Pursuit of this debt constitutes fraud and harassment by my former landlord. 

I have attempted to work with Experian to have this item removed from my credit report utilizing the dispute process and have provided ample evidence that I do not owe this money. Including this debt on my credit report violates the Fair Credit Reporting Act as this debt is inaccurate and unverifiable. As XXXX and XXXX can not prove damages, I do not believe my credit should be harmed. Experian is not doing proper due diligence to ensure the accuracy of my report. My report is a vital financial resource and damage to it creates great economic implications for me. 

I will file suit against my prior landlord and name Experian in that suit if they fail to promptly remove this item from my credit report. Pursuit of this debt constitutes fraud and harassment by my former landlord and Experian is complicit in that harassment given the validity their agency attributes to this debt by listing it on my report. Please note, I am an attorney. My damages are documentable and factual as I am attempting to purchase a home and including this item on my report damages my credit thus increasing my interest rate. 

Please note, I have also filed a Consumer Financial Protection Bureau complaint against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX complaint # XXXX ).
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. 

I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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

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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$610.00}
Product: Credit reporting

On XX/XX/XXXX I did a move out inspection with XXXX XXXX the property XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. On XX/XX/XXXX I received certified mail from XXXX XXXX which stated the final billing and settlement statement and all was paid in full with the termination fee and forfeiture of security deposit. On XX/XX/XXXX I get court notice to appear in court for abandonment, I go to court with all my documents on XX/XX/XXXX and the case was dismissed. I have all documents including move out insepection which was provided in my dispute. I am sending you all the documents I provided to XXXX I dont understand with all the court documents and move out inspection why are they still reporting in accurate information. Reference # XXXX for XXXX