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

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

Your agency is in violation! 
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 XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX XXXX ACCT # XXXXXXXXBALANCED AT {$630.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b.

Which also allowed the credit agencies TRANS UNION, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Debt collection

On XXXX/XXXX/15 I requested validation of debt from Financial Control. As of XXXX/XXXX/15 I have not received any response. Furthermore, accounts appear to be duplicated.
Product: Credit reporting or other personal consumer reports

This is my second 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 items. 
XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ERROR ON MY CREDIT REPORT only had XXXX ( instead of XXXX XXXX XXXX XXXX ) so I disputed it so they could correct it. 

I got the corrected report, which suddenly has THIS tacked on at the bottom of it now. 

" This address may be perceived as a high risk because it has pertained to a business, or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX XXXX WA XXXX. 

BOAT REPAIRING : XXXX XXXX XXXX XXXX, XXXX, WA, XXXX " This is NOT true. This is an apartment complex on Federal land for Military, which also takes a few civilians. I lived there from XX/XX/XXXX through XX/XX/XXXX with my son. I am XXXX y/o and XXXX. My son worked as a XXXX XXXX for XXXX XXXX. 

NO ONE at this apartment address! 

I tried to send information and upload a PDF of proof ( TWICE ) but all I got was a notice that there had been " inactivity '' and it signed me off. WRONG. The second time was fully active and took less than two minutes to complete when I selected to upload the PDF. 

While I am at it, for the past two years I have never been able to sign into Equifax and they always wanted you to write to them to get your " Free Credit Report '' and NOW I am affected by the breach and hack on their site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account. The last four of my SSN is XXXX. 

On XX/XX/XXXX I paid my credit account off and on XX/XX/XXXX the account was updated on my Equifax credit report to show a {$0.00} balance. However, on XX/XX/XXXX, XXXX XXXX updated my credit report account again to show a {$2100.00} balance, which is incorrect. I contacted XXXX XXXX to ask them why they changed the information and they simply told me I needed to wait until XX/XX/XXXX for the information to update again. This is unacceptable. I asked them to correct an error and they refuse to do so. 

I am trying to close on a line of credit for my business, and their mistake dropped my credit report score by over XXXX points. 

This issue needs to be addressed.
Product: Credit reporting or other personal consumer reports

The presence of this account has caused me XXXX XXXX, even affecting XXXX XXXX XXXX XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my personal information to be updated on my credit report. I am now married and I would like for my old information removed and new information updated. 
Name : XXXX XXXX XXXX Number ( XXXX ) XXXX Address : XXXXXXXX XXXX  XXXX XXXX XXXX Arkansas XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Im a Self customer and on XX/XX/XXXX I was approvedfor a new Self Plus Card. 



On XX/XX/XXXX I had a card mailed out USPS. 14 business days passed and I Was told a new card would be expeditedout via XXXX that was on XX/XX/XXXX. I was told a new item # was generated and they the card was shipped. I called and no one could providea tracking number. 

I got an email on XX/XX/XXXX from XXXX that a card was shipped again on XX/XX/XXXX but they never got the XXXX tracking number so therefore they concluded it wasnt shipped and they canceled that replacement card as well and will issue a new one to be sent via XXXX and I should Stand by for another tracking number issued within 48 hours They said they would wave the initiation fee of {$35.00} dollar as well. 

On XX/XX/XXXX I got another email stating that they are working with visa to determine why it wasnt expedited and they say that it was sent with usps over a month ago hit dont have a tracking number for that. They said within 24 hours I will have a new XXXX  tracking number which will not constitute a 4th attempt to mail me a card Something is happening at the company and there is no transparency. Customer service is useless as no one can communicatewith the expediteddepartment. 

No supervisors call me despite numerous days of waiting for a call. 

The case # is Case XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

BB&T BANKCARD


Contact
XXXX XXXX XXXX XXXX, NC XXXX
(XXXX) XXXX-XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, XXXX XXXXXXXX XXXX information for a car loan has not been reported. The vehicle was delivered voluntarily and the Bank sold. There was a balance and I have been paying and it was not reported to the XXXX agency. In XX/XX/XXXX, I decided to settle the balance of {$2600.00} and the account continues reporting a balance of {$7500.00}. This situation has affected my credit history and I have not been able to obtain loans.
Product: Credit card or prepaid card

On XX/XX/2018 a order was placed to XXXX for the amount of XXXX. Two days later the item was delivered in which my signature was forged and someone stole the item. I filled a dispute with XXXX XXXX who is XXXX XXXX and provided them with a police report as well as a Identity Theft report and they refused to remove the charges. They also closed my account without notifying me
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, the Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting inaccurately on my report : XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$810.00}
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 
The disputed item is as follows : Account Name : [ XXXX XXXX XXXX ] Date Listed : [ XXXX. XXXX, XXXX ] Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated XXXX investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 my debit card was locked and overdraft protection was turned off. My account via the US BANK XXXX app stated that overdraft fees were not authorized, the same condition the account had been in for years before that. 

US bank allowed charges to continue accruing, draining the account and amounting to hundreds of dollars in overdraft fees. They have refused to refund overdraft fees because they say that overdrafts fees were authorized for checking/routing but not for debit?!?!? XXXX?! I literally turned off my debit card and overdraft fees weren't authorized. 

I feel so scammed. Please help. US bank is the literal worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report with Equifax, I saw that I have inquiries that I never authorized or gave my consent to. I also have reports from XXXX and XXXX that needed to be deleted off. Equifax violated my consumer rights and the FDCPA as well as the FCRA by furnishing negative information on my report, furnished negative information without my knowledge or consent, kept information on my report for longer than seven years, reported payments that were paid on time as being late. I've sent letters that were received by Equifax but the problems were not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account in full in XX/XX/2017 through XXXX XXXX ( collection agency handling the account ), but the account still shows in a derogatory status on my Experian report. I filed a dispute with Experian and the account is still not updated. All other credit bureaus are updated correctly.
Product: Prepaid card

I purchased secure spend visa gift cards and whenever I tried to use them, the card is declined. Contacted the company, got replacement cards that had the same issue. Unable to get a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit report and discovered inaccurate information that I did not authorize. It has been over 30 days and I have yet to receive a response from the Credit Bureau.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Zelle for failing to properly investigate discrepancies I reported in my account transactions, I identified discrepancies in my Zelle transactions, including unauthorized transactions, incorrect amounts, funds not received/sent. I promptly reported these issues to Zelle/customer service expecting a thorough investigation as required by law.

This lack of action has caused me significant financial and emotional distress, as I am still dealing with unresolved issues. I believe Zelle violated its obligation to ensure proper investigation and protection for its users under the Electronic Fund Transfer Act ( EFTA ).

I am requesting your assistance to hold Zelle accountable and ensure that Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to have a fraudulent XXXX loan removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both XXXX and Experian have been unwilling to remove it from my credit history. This fraudulent loan is negatively impacting my credit score. This incident occurred as a result of my phone being stolen, which led to identity theft.
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 15 USC 1681. 

Account name : XXXX XXXX  Account number : 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: 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 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX, Department of EducationXXXX XXXX XXXX, XXXX XXXX # XXXX XXXX 

15 U.S.C. 1681 Section 602A states that I have the right to privacy.

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

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

We pay our Credit Card Bill via XXXX XXXX. It is handled through our Bank Account at XXXX. XXXX receives the check and instead of applying it to the credit card account they deposit it into my savings account. We have been charged numerous late fees and credit has been affected. We have spoken to people many times they correct it and then it happens again. They are just not capable of fixing a problem or do not have the authority to do so.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 accounts 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 items 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 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 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 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

Affirm is reporting an account in the amount of {$100.00} on my XXXX credit report and credit reports I have not opened any account with them and have already spoke to two representatives of theres, one on XX/XX/23 named XXXX XXXX And most recently XXXX XXXX On XX/XX/23 at XXXX Both stated on a recorded line that there was no account linked with my personal email, phone number, and current address, XXXX XXXX even stated in email that there is no account with my email linked to this account this needs to be removed from my XXXX profile and credit report immediately as affirm already had 30 days to resolve this and it still hasnt been fixed they are not in FCRA compliance and if they try to accuse me that this account is mine I will be requesting Affirm furnish full proof proving its mine and my original wet signature signing off on taking out this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because World Acceptance/ World Finance has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. 

Please resolve this matter as soon as possible. Thank you!
Product: Credit reporting or other personal consumer reports

why is things being reporting on a consumer reports such as late payments! violation of consumer reporting act!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an addendum to my previous XXXX As soon as this office closed this complaint, the account re-appeared back on my credit file. 
This kind of business practice should be against the law. They responded that they did not know what I was talking about, or that I needed to provide proof that this manufacturer XXXX debt was being reported by them on my credit report, they temporarily took the line off of my report, during your initial investigation and upon completion they added it back to my XXXX report.