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

Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have given you written unwritten verbal or non-Verbal, per 15 USC 6802. Effective immediately and indefenitly.

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally file a complaint against several credit reporting agencies that are violating federal laws concerning consumer privacy and credit reporting. 

1. **Violation of 15 USC 6802** : These agencies are unlawfully reporting transaction history. Section 6802 of the Gramm-Leach-Bliley Act mandates that financial institutions must provide notice to consumers and an opportunity to opt-out before disclosing non-public personal information. The unauthorized reporting of transaction history by these credit reporting agencies constitutes a clear violation of this statute.

2. **Violation of 15 USC 6805** : The credit reporting agencies are failing to comply with the enforcement provisions outlined in Section 6805 of the Gramm-Leach-Bliley Act. This section requires agencies to enforce the provisions of the Act to ensure consumer information is protected. The continuous reporting of transaction history without proper consent further exacerbates this non-compliance. 

3. **Violation of 16 CFR 313** : The credit reporting agencies are also in violation of 16 CFR 313, which governs the privacy of consumer financial information. Specifically, this regulation requires financial institutions to provide privacy notices to customers and prohibits the disclosure of nonpublic personal information to nonaffiliated third parties without proper consent. 

4. **Privacy Act of 1974** : Additionally, under the Privacy Act of 1974, the act of charging off a debt should be considered as issuing a certificate of indebtedness, which is classified as income. This reporting must be removed from the credit reports as it inaccurately portrays the consumer 's financial standing and violates their rights under the Privacy Act. 

Reporting the Following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ALLY FINANCIAL INQUIRY DATE WAS XXXX XXXX, RAN MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT. 

ALLY FINANCIAL Important dates Inquiry date XX/XX/XXXXXXXX  Removal date XXXX XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I completed a legal name change. My name was XXXX XXXX XXXX. My name has been updated to XXXX XXXX XXXX . I have a court order signed by a judge, my license, social security card and birthday has been updated. 

They requested that I mail a copy of my social security card, that does not seem secure or safe.
Product: Credit reporting

Both reporting agencys report a address for me as XXXX XXXX XXXX XXXX, Pa. XXXX. This is not correct!!! I do not, nor have I ever had or used this address. I do not know if someone has tried to get credit using my information!! This has me very concerned. Thank You for your time!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is knowingly reporting inaccurate information regarding an vehicle accident that I was never involved in with XXXX XXXX XXXX XXXX claim # XXXX. I have tried fixing this several times over the last year and they have yet to delete this fraudulent and inaccurate information. Since their negligence I have had 2 auto insurance companies withdraw coverage and XXXX XXXX XXXX my current insurer plan to increase my monthly premiums to {$430.00} at my next renewal. Over the course of 18 months I have been terminated from my job as a commercial driver and refused by 3 desired companies. My monthly premiums have increased from {$260.00} and has cost me an additional {$1200.00} or more annually. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois XXXX D.O.B. XX/XX/1992 SSN : XXXX License Number / State : XXXX/ Illinois
Product: Debt collection

This business was contacting me regarding an old debt from XXXX XXXX. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got XXXX XXXX to delete it. Now in XXXX they reported to all three credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.
Product: Debt collection

In XXXX I went to Conns home plus to purchase a new mattress. I received the mattress which was shrink wrapped. I was supposed to get a king size but they delivered a full size. I called the main office who set up a return ticket number. The store refused to pick it up so I rented a XXXX and took it back to the store I shopped at. They are still trying to charge me. I'm not paying for merchandise I took back. They wouldn't even exchange it and it was still unopened. They said they don't return furniture. They delivered the wrong merchandise and are still trying to charge me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.
Product: Credit card

1. Different emails on account that arent mine.

2.Different address on account that arent mine.

3. Different phone numbers on account that arent mine.

4.Three different accounts opened under my name. Discover sent me a letter that I am responsible for the entire balance on all three accounts and will be getting statements within 30 days. I never knew about the two other accounts being opened.

5. I suspect fraud on all these accounts.

6. I have never accessed or paid any these accounts on-line.

7. Never used square cash app. 
XXXX. I currently have XXXX XXXX. 
I filed a police report at the XXXX XXXX XXXX XXXX on XX/XX/year>. 
Case # XXXX. Phone number is XXXX XXXX XXXX is XXXX that I have been working with on this fraud. 
I have Been to XXXXXXXX XXXX 

Discover has sent me letters stating they have ending there fraud investigation, but I have ever see any paperwork in regards of some of these accounts and the balances due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello These 2 Address are showing up on my report and I have never lived there. 

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Vehicle loan or lease

I am a victim of identity theft. I recently pulled my credit report and noticed a collection that was placed on my credit report from a company that was opened by someone else. I was a victim of identity theft. This account was not opened by me. I am in desperate need for this to be removed and blocked. This has made my life very hard as I am in the process of trying to purchase a home for me and my son. Please remove as soon as possible please. 

Take Care, XXXX
Product: Debt collection

On Thursday XX/XX/XXXX a suspicious charge to the amount of XXXX $ was found to be pending in my Wells Fargo Bank account with the information for a legal order by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX and found the only open case they had was for someone with a different address then mine for a visit to XXXX XXXX in XXXX that I had not had. I contacted my bank and they stated that according to their records the legal order matched my personal information ( address, social security number, etc ) so I called back XXXX XXXX to speak with the court officer directly. The court officer confirmed that my personal information did not in fact match his legal order ( save for zip code and last name ) and advised me to contact the law offices of XXXX XXXX representing XXXX XXXX in the suit. I contacted them and by prividing my own personal information they also confirmed that my information did not match their records. They agreed to contact the court officer and bank to resolve the matter. The court officer contacted XXXX XXXX but they said it needed to be pushed up for further investigation. I find Wells Fargo to be negligent as far as I can see due to the fact that the only thing connecting me to this legal order is them providing my bank information. I trust my financially institution to protect not just my finances but also my personal information. I will be seeking legal recourse against the bank myself but feel as if I have been wrongfully out in a position I should not have to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was fraudulently used by another person that was not me. This person made charges towards my XXXX XXXX account. When I called XXXX I asked what had happened and they said my address and the name on the account was changed. This person made over {$3000.00} dollars of fraudulent charges on my XXXX XXXX account. This person managed to also change my address.
Product: Debt collection

I had to attend XXXX XXXX in Florida when I only had XXXX XXXX insurance so I had to go to the XXXX XXXX to be covered. The visit should have been covered by insurance and wasnt XXXX XXXX still billed me. I ended up paying it and I have a letter with proof of payment. This collection company will not remove it and then Insists I still havent paid the bill. This should be covered by the surprise bill act. But it is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my social security number, name and address and got a credit card from {$8000.00} credit limit with The Home Depot Store, I received today 05/27 a credit card statement with a balance of {$4300.00} and a minimum payment of {$44.00}. I called the Home Depot Store and supposedly they closed the account and sent a report to their Fraud Department, they should be investigating and getting back to me. I want this resolve and account eliminated from my credit report and any negative report to be deleted too.
Product: Debt collection

I am sending this letter to you in response to a notice I received on my credit report by your debt collection agency ( as defined by on 15 USC 1692a ( 6 ) ) on XX/XX/2017. Be advised, this is not a refusal to pay, but a notice and Consumer Consent Enforcement Order sent based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) ( 4 ) that your claim is disputed and applicable Federal Consumer Protection Laws This is a request for VALIDATION ( to establish legitimacy ) AND VERIFICATION ( sworn and attest to the authenticity of the alleged debt ). I demand that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following sworn to and under oath : Provide authenticated loan level documentation from alleged credit Date you purchased the alleged debt and the amount you paid for said debt ( unjust enrichment is prohibited ) Appointment contract to represent alleged original creditor ( affiliate, under corporate control ) The original date of Charge Off ( cancellation of the alleged debt through write off on tax filing, canceling my alleged obligation ) Provide a judgment order against me for this alleged account you are attempting to collect Provide me with your company 's insurance/bond information to assess my future claims Prove that the Statue of Limitation has not expired on this account Show me that you are Licensed to collect in my state, and Provide me your License numbers and Registered Agent
Product: Mortgage

Carrington Mortgage Services {$120000.00} Opened XX/XX/XXXX Closed ( paid off ) XX/XX/XXXX This was paid in full, however is still showing " open '' on my report. I contacted Carrington and was told that they had already reported it as " closed ''. I have received all paperwork stating the payoff, returned balances of escrow accounts in form of checks, etc.
Product: Credit reporting or other personal consumer reports

I have tried disputing the errors on my credit report and nothing has been corrected
Product: Credit reporting or other personal consumer reports

Hi, I received an email from XXXX stating my account has been updated and if I didnt make changes to contact them through email. I did not make changes to my account so tried to log in and see what was changed but was not able to log in ( later found out that a criminal fraudulently accessed my account and changed at minimum the email and phone number ). I emailed as was instructed and was told that in order for them to look into the issue I had to send them my SS card, government issued ID and a bill/bank/insurance statement by fax or snail mail. So basically everything a criminal needs to commit identity theft, I had to send to experion in order to address that another criminal accessed my account. I tried calling experion and was trapped in their automated system where the system would not transfer me to a live agent nor was able to provide information on addressing the issue. The automated system did provide that the email on my account was XXXX which I do not have. I set up that account with my XXXX so that is when I realized the changes made were by someone gaining access to my account. I called again and tried a different set of commands and got a person. That person told me the same thing as the email- I have to send my SS card, government issued ID and bill/bank/insurance statement by fax or snail mail. So here I am, locked out of my account, no ability to check for fraudulent activity and the only way to fix this is for me to send a set of documents by snail mail or fax to experion and hope that no one else gets a hold of these documents as it is everything a criminal needs to steal my identity. And then wait for someone at experion to take the next steps in giving me my account back and hopefully destroying the documents I had to provide. XXXX has had data breeches so I am not comfortable with how this is being handled. I do not understand how someone was able to take over my account so easily and how difficult it is for me to get it back. I did not give anyone access or permission to take my account. 
The company responded to my cfpb dispute that there are no errors on my credit report. THIS IS NOT ABOUT MY CREDIT REPORT. This is about my online account with them where I can go to freeze/unfreeze my credit and view my reports. This account was taken over by a criminal and I can not get it back without putting myself at further risk of identity theft. I want my account back in my control. Thank you
Product: Credit card

My credit score randomly dropped XXXX points after a dispute was resolved in MY favor for a credit account of mine. I called XXXX to inquire about why my score had dropped so drastically, only to be transferred at least 5 times and have each representative give me their " bogus '' version of what may have happened. FINALLY the last representative informed me that my credit card account ( whose dispute was just resolved ) was now showing up as a REAL ESTATE account instead of a CREDIT/CHARGE account. When I asked if the error could be fixed since was in the underwriting stage of getting a home, they refused and told me to take it up with the creditor. I am extremely upset and still filed the dispute with both XXXX and the creditor. I did not have this issue on any other credit report and now I am out of my dream house because of this inaccurate info that I STILL have n't heard anything back about. Simple and obvious errors SHOULD NOT take 60-90 days to correct and I am EXTREMELY dissatisfied with the customer service that was provided as the majority of the individuals that I spoke with on the phone lacked both knowledge about the reporting process itself as well as the ability to understand their customer 's concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX Balance Owed : {$2400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at : XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with account number XXXX XXXX on on XX/XX/XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX with account number XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with account number XXXX and these accounts have been placed in collections. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections and hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, and hard inquiries are a result of identity theft and fraud, I have attached a copy of the 3 FTC Identity Theft Criminal Complaint numbers ( XXXX ) ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) I request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that the XXXX credit reporting agency block all of the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me vial email to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute items on my chexsystems report that are the result of identity theft. The items have been deleted from my credit report. I filed a police report with the local police department. The highlighted accounts and inquiries are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX this year Bank of America sent a letter notifying me that my credit card was included in some kind of security breach or fraud and that they would be changing to a new credit card account. I received this card in the mail a few weeks later. I use XXXX XXXX Bill Pay to pay the credit card by the due dates. Since they changed the account I had not changed it on the Bill Pay and it the payments were rejected for two months. I received no phone calls or letters notifying me of the missed payment until it was right before the second payment would be late. They have since reported the missed payment to XXXX credit reporting agency as more than 60 days late. I have tried multiple times in the past year to use Bank of America 's automatic payment services, but each time it has rejected my checking account from XXXX XXXX. It seems to take 4 weeks for each attempt that I submit. I did not receive any additional information as to why it failed to enroll. I should not be punished for the unreasonable responses to my attempts to pay. They could have applied the payment to the new account, noting the previous account and forwarding the payment to the correct account and notifying me. It is not my fault that there was a breach of security. I did not request my account number to change. They could have called the phone numbers on file. They could send texts to my phone. They could have sent letters when they noticed attempts to pay to the wrong account. There are many ways that this could have gone better. I am about to relocate and purchase a new home and this unfairly damages my credit. I am rather upset about the absolute indifference shown over credit reporting when related to failure of merchants and banks to secure credit cards. Stop making it so difficult to pay my debts! I know you make a huge portion of profits out of late payments and other fees! Of course you would n't be fair and reasonable when it would be detrimental to your primary source of income and profits! This is little more than a gross exploitation of the trust we place in you over our livelihood. Somebody else XXXX up and I have to pay for it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$55000.00}, XXXX XXXXXXXX Balance : {$20000.00}