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 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.
Product: Checking or savings account

They took {$89.00} from me without consent last week along with more transactions of {$10.00}, I did not sign or or consent to this!!
Product: Checking or savings account

IN XX/XX/2019, I WAS TOD I OPENED AN ACCT AT XXXX. I DID NOT. I CALLED THEM AND THEY CLOSED IT. I THOUGHT IT WAS OVER. THEN I GOT NOTICE IN XXXX THAT I OPENED AN ACCOUNT AT XXXX. I VERIFIED THESE BANKS HAVE MY SOCIAL AND DOB WHEN I CALLED. I CLOSED XXXX. IN XXXX, I RECEIVED NOTICE I OPENED 3 ACCTS AT PNC. ON XX/XX/XXXX, I RECEIVED NOTICE I WAS DECLINED OPENING AN ACCT AT XXXX XXXX. 
I HAVE PLACED A FREEZE ON ALL CREDIT BUREAUS IN XXXX ( MAYBE EARLIER IN XXXX ) I ALSO CLOSED XXXX  SO MY ACCT HAS FLAGS, PNC WENT AHEAD AND OPENED THE ACCTS. THEY WILL NOT TELL ME ANYTHING ABOUT THEM DUE TO FRAUD. I REPORTED THE FRAUD!! 
I WENT TO MY CITY POLICE, THEY REFERRED ME TO MY COUNTY POLICE. THE COUNTY POLICE SAID THERE WAS NOTHING THEY CAN DO. 
SOMEONE HAS MY INFORMATION AND IS TRYING TO COMMIT FRAUD. I WANT MY INFORMATION CHANGED. I CAN NOT CONTINUE GETTING THESE NOTICES AND ATTEMPTS TO TAKE SOMETHING FROM ME. PNC ALLOWED THE ACCTS TO GO THROUGH AFTER I MADE IT IMPOSSIBLE. THIS IS GETTING RIDICULOUS! PLEASE HELP ME. 
THANK YOU AND SORRY I TYPED THIS IN CAPITAL LETTERS, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in the process of buying a home and the underwriter pulled my credit report and noticed an account that ( XXXX ) is not reporting accurately and ( XXXX ) is not should not be on my credit reports at all. The account is showing me to have an outstanding balance when in fact I don't have a balance at all. The consumer reporting agencies have a legal requirement and obligation to ensure that all information is reported with 100 % complete accuracy. This account does not have an outstanding balance or any past due payments. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payment and an outstanding balance. Please note that I dispute the validity of this debt in its entirety. I request verification, validation, and proof that this alleged debt and related account belong to me. Additionally, I require evidence of a contract or agreement with the original creditor, signed by all relevant parties. Your attempt to collect this debt and the money associated with it is illegal as I do not owe it. XXXX XXXX or XXXX XXXX is contractual law and requires an agreement where the non-custodial parent is enrolled into the program. Provide the contract bearing my signature between myself and the head of the XXXX XXXX XXXX or XXXX. Without a contract, there is no legal duty. It is unlawful to advertise any debt to coerce payment. Cease harassing me as it is severely impacting my mental health. I am disputing the following account : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). 
This is an official dispute of this account, and I demand the deletion from my consumer report. Again, I do not believe that I owe this money for the above-mentioned reasons. I paid it in good faith as it is currently prohibiting my family and I from purchasing a home for us. Attached is proof of payment in the form of a money order and a receipt from the cashier of the XXXX XXXX XXXX XXXX XXXX XXXX. If the information can not be verified according to the law, I demand this account be permanently removed immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Equifax is Stalling because instead of sending the information I requested within 15 days required by LAW ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) they sent me a request for my Photo I.D . and Social Security number that I submitted ( 7 ) times all ready via CFPB Portal each time and an additional 3 times Via USPS.

Please see the PROOF with the CFPB Portal serial numbers as each included a screenshot of my Pennsylvania State Photo I.D . and Social Security Card. 
I received a letter in the mail today from Equifax XXXX XX/XX/XXXX. The bottom of the letter has 2 sets of numbers XXXX and XXXX XXXX. 
After my dispute regarding FCRA 602 which states I have a right to Privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS. I disputed XXXX XXXX  # XXXX that is reporting illegally because I did not give Equifax any written instructions any PERMISSION / CONSENT to ILLEGALLY PUBLISH this account on my credit report.

When my dispute was VERIFIED I then submitted my request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which I am required by LAW to receive from Equifax in 15 Days. Equifax took more than 15 days and sent me NOTHING!!!!

Instead Equifax keeps STALLING and sent another request for my Photo I.D . and Soc Sec.Card. Please review the Proof below with the dates that I sent my I.D . already over and over again. 
XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX This is 7 times that I have sent a copy of my Photo I.D . and XXXX. A cursory check on CFPB Portal will proof I have sent my I.D . Info 7 times already. I am sending again in this CFPB Portal today. I want the information I am requesting, the name of the person ( s ) who is responsible for the investigation along with their telephone number and address along with ALL the records revealing the procedures used that led to verify the XXXX XXXX  account that Equifax Published in violation of FCRA 602 and FCRA 604 ( a ) ( 2 ) which states that a credit reporting agency can not furnish an acvount without my written instructions. Delete XXXX XXXX account from my credit report immediately. 
I will seek legal representation if coerced to.
Product: Debt collection

This debt was paid off and is still reporting on my credit report. This was supposed to be deleted
Product: Credit reporting

Gas company says i owe money for gas at an address I never lived at.
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 to privacy and confidentiality under the Fair Credit Reporting Act. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 
List of 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries suddenly appeared on my credit report today, and I am at a loss as to why. My usual check revealed discrepancies that werent there before, and despite refreshing my browser multiple times, the issue persists. I am deeply frustrated and need you to thoroughly review my documents to fix this immediately and eliminate any future concerns.
Product: Payday loan, title loan, or personal loan

Hello CFPB, So, it seems that as a college student in XXXX, I was approved by XXXX for credit. Later, like most college students, I learned the hard way and ended up owing {$800.00} to {$900.00}, give or take based on this credit line. This was fine, meaning I had no issues with having to pay. Suddenly, I get a letter from this company and/or attorney 's office called, XXXX XXXX XXXX, stating that XXXX sold them my account as a collections account. The problem was as my mother questioned, " Since when does a big CO like XXXX come after college students for a {$900.00} debt? '' This didn't seem right ... 
Later I receoved a letter from the CT that I had a hearing!! When my mother and I called XXXX, we were told that this account was paid off. When we asked how XXXX got this account, at first, CSR were explaining they didn't know. My phone which has been hacked into somehow, ( possible politics since my college has been put under investigation & issues with my mother, Miss XXXX XXXX from Family CT in XXXX, NJ & case workers ... ), disconnected, right when a CSR stated that he'd email my account infor. When I tried calling back to get the account information, & to understand if they sent my account to this attorney, reps begin behaving strange : kept referring me back to this attorney office all of sudden! 
My mother and I believe that perhaps, some CSR or manager from XXXX, was compromised to buy out my account to this " XXXX XXXX XXXX, XXXX as assignee of Synchrony Bank/XXXX.com in somehow this connection to XXXX  XXXX XXXX. Why would XXXX send this account to a lawyer? Since when does an attorney 's office take a college student to CT especially for a {$900.00} account? 
Last but not least, the interest rate for a college student is illegal as I explained to this attorney 's office, who has been harassing me, according to the Obama Credit Card Act of XXXX! They still aren't in compliance. These are the issues! Please, give me your assistance so this attroney can get off of my back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute on XX/XX/2020 and it has been well over 30 days still with no response showing any results or verification of the disputed items in letter. Letters were sent to credit bureaus Experian & XXXX for the inaccurate reporting. These items should be corrected and removed. It has caused tremendous problems for me during the pandemic.
Product: Credit reporting or other personal consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have no knowledge of these above accounts and/or i believe these account were open without my permission. some of these accounts also are reported wrong and should be removed immediately.
Product: Debt collection

On XX/XX/22 I went to use my XXXX XXXXXXXX XXXX and it was declined. I was very confused as there are sufficient funds in my account. I then went to XXXX only to find out that a hold was put on my account. I was completely besides myself and asked XXXX why> i was told there is a legal hold on my account put on by PORTNOY SCHNECK in the amount {$5800.00} and put the hold for {$11000.00}!!!! At this point in time XXXX told me they could not help me which I am furious about and how could they allow this without confirming all details were accurate. I then googled the name of the Debt collector and called them. They were rude and did not provide me with the facts to back up the claim. They simply told me to fax them a copy of my Bank Statement which I have no clue why I would do so as this is my personal information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a compliant to CFPB regarding Invitation Homes and XXXX ( in XXXX XXXX  XXXX ) complaint number XXXX. CFPB completed their investigation and found that XXXX  XXXX  and XXXX had reported in correct information on our rental tenant screening history. It was requested that they update and remove from credit reports. We assumed that it had been done since, they were advise and we also received communication that we had been added to the class action lawsuit for fraudulent rental fees, rent and wrongful eviction. We went to apply for a new apartment and were advise that it is in fact still showing on our credit and we will need re dispute provide previous dispute. I need this resolved as it has caused an unwarranted amount stress and anxiety. We can not afford to pay high security deposits for something that is not our mistake, along with having the fear of being homeless. Any help once again would be appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.
Product: Credit reporting or other personal consumer reports

Please remove the following inquiries from my credit report as it is hurting me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share XXXXXXXX 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 card

This is a second complaint to follow up on my previous complaint against the Bloomingdale 's card. Bloomingdale 's improperly credited a returned item by sending gift cards instead of crediting the credit card account - notwithstanding the fact that Bloomingdale 's card had agreed to credit the account prior to the return being made. Subsequently, Bloomingdale 's promised on numerous occasions over more than 10 hours of phone calls from me to them, to fix this error, but never did and instead ended up reporting me to the credit agencies. After a complaint to the CFPB, Bloomingdale 's finally fixed this issue ( thank you CFPB! ). However, I have now received a new invoice from Bloomingdale 's showing finance charges due related to this issue. I had not charged anything else on the Bloomingdale 's card, so there could be no other source of this finance charge.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I have identify many inaccuracies. This has hindered my ability to obtain credit. Therefore I am requesting an investigation. 

Account Name : XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I Requested the closure of XXXX XXXXXXXX XXXX XXXX ( XXXX ) on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with XXXX ask to removal and trying to dispute, but XXXX XXXX Bank XXXX, refuse delete that inaccurate info
Product: Checking or savings account

As per the attached LAW BREAKING CITIZENS BANK LETTER, we have advised Citizens Bank countless times in person, email, fax, etc that we are in XXXX XXXX  XXXX bankruptcy proceedings and to ( XXXX ) close our account and ( XXXX ) stop stealing accidentally deposited money from former clients but they abided by neither of our written and verbal admonitions. 

Now they send us, after stealing hundreds of dollars not meant for them, a letter stating that they are going to harm our credit history as well as list the account as a " charge off '' even though we are guilty of neither due to the above, and their non-stop incessant penalty fees and charges when there was no money in the account due to non-usage. 

Please investigate and advise, and if necessary we will file a contempt motion against them for constant, rampant, and massive violations of the automatic stay per 111 USC 362.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX the living man has never agreed, authorized or signed, any contracts from any of these third party companies ( Transunion, XXXX, XXXX ) credit bureaus to use my personal information or to share it with others. This violates My human rights, per 15 USC 1602g I am the creditor not this company or anyone else for this matter. This is securities fraud! which i will report to the Internal Revenue Services being I never authorize any of these third party companies to the use of my personal information or my social security. These companies are not even located in the united states or florida they do not have a licence to do this where I reside. I am tired of this same running around in loops and not getting anywhere with all 3 bureaus which are third party companies. The CFPB is supposed to help us consumers in this type of fraud but they too are not helping with this issue. This is known as Identity theft. sharing personal information with any consent which I never allowed.
Product: Debt collection

This dispute is for Carter - Jones of XXXX XXXX OR for {$510.00} and {$570.00} after fees. Account number XXXX. The collection agency violated the HIPA in getting information on the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

They did not pay or help fix my credit. Took money out of my account and they are no longer working with me or for me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

Account name : 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  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : driver license Copy of Credit Report
Product: Debt collection

First, let me says I have been inundated with fraudulent accounts, credit inquiries and companies opening account that I did authorized. 
On XX/XX/XXXX,2018, there was a voicemail introducing herself as XXXX XXXX ( OFG-Oracle Financial Group ) proceeded by my name and date of birth. She says this pertaining to 2 civil issue which was Internet Fraud and Breach of Contract. If I do not call, they make the decision to file with the courts. I don't know what she is talking about and do not plan to pay for anything that's not mine. She left phone # XXXX or XXXX XXXX to contact her or her supervisor XXXX XXXX @ XXXX. I called this lady and she placed me on hold for 10 mins so I hung up. 
This company is calling people to scare them into paying a debt they've purchased unvalidated debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act 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
Product: Mortgage

On XXXX XXXX XXXX I contacted Select Portfolio to inquire as to why I have to pay an additional {$320.00} per month for escrow increase. No response was given. A rep ( XXXX ) stated that this is because I don't have escrow in my account. I asked how is that not possible. She stated that she could not explain the increase and had no knowledge of how to explain. She also stated that " several '' calls came in regarding the extremely high increase and that she was not given a reason to give. She also stated that there has been numerous complaints about Select Portfolio 's practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft back in XX/XX/2018 and my social security was used for various accounts. I am not aware of who did these transactions. Also as per 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 As this is not an account of mine and the information is being shared and reported on my account. 
Addresses XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone numbers ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts 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 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 and account without my written instructions.