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 to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXXXXXX, Account name : # XXXX XXXX ( Finance ), Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX ( Bank ) Account name : # XXXX XXXX XXXX ( Bank ), 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 card or prepaid card

I updated my banking account information on XX/XX/2023, prior to making the full payment amount due of {$59.00}. Also On XX/XX/XXXX I received an email correspondence that my payment information had been received. However, Kohls system did not update my payment information and instead maintained the old bank account which had been closed. Therefore, my payment was reversed without my knowledge. Once I received the new statement showing that my payment had been reversed, and there was a late payment And a reporting of a late payment on my credit bureau reports. I immediately notified Kohls and spoke with web support who apologized for the error, and that it would be corrected on my credit report as it was a glitch in the system that did not complete the updated information. Web support investigated the issue and advised that they would ensure that my credit report late payment reporting would be removed and that has not been done even though I have Accessed the system again today updated my banking information again, and ensured that the new account information was accepted and finalized
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have my correct address placed on my credit report and never get anywhere I have lived here in New Mexico for over a year and my old address in Texas which was my parents at the time continues to show and is stopping me from be able to get credit also I have a item of which I was charged a emergency visit showing over eight hundred dollars that's not mine in a state I never been to that they won't remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letters to Equifax credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified XXXX accounts each time equifax mail me my dispute results alway say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. 
Equifax have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. 

Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( XXXX XXXX XXXX XXXX XXXX seems to be false representations and inclusion of inaccurate information this violating federal laws. 

Equifax is unwilling to verify any of these accounts, then under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply with this XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Each letter I sent had a copy of my SS # and driving license inclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffered an Equifax data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached.

Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written consent. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

UNDER 15 U.S.C. 1681c-2 ( c ) ( 2 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Product: Checking or savings account

Consumer Finacial Proteccion Bureau XXXX XX/XX/XXXX Reference : Case No XXXX The day XX/XX/XXXX I received the documentation from Bank of America regarding my case No XXXX concerning the bank fraud and identity theft over my Money Market No XXXX XXXX XXXX where the sum of XXXX XXXX was reimbursed to me. The additional sum of XXXX {$11.00} was not credited to the account and in consequence was not reimbursed to me. 
After checking the information given by the bank I discover certain aspects that were not taking into consideration : The claim of XX/XX/XXXX was over the total of transactions that took place in XXXX and not since XX/XX/XXXX as the bank affirms. The identity theft took place on XXXX. The bank is not taking into account the withdrawals for that period that are XXXX {$1800.00}. 
There is no explanation of why the bank did not credit the withdrawals of the following periods if they correspond at the same bank fraud and identity theft : XX/XX/XXXX to XXXX XXXX {$38000.00} XX/XX/XXXX to XX/XX/XXXX {$20000.00} XX/XX/XXXX to XX/XX/XXXX {$6.00} XX/XX/XXXX to XX/XX/XXXX {$920.00} XX/XX/XXXX to XX/XX/XXXX. {$2.00} Regarding this situation, I ask your intervention on my claim that was caused by Bank of America. The Bank issued debit cards to people that stole my identity and send those cards to addresses that were not registered by me. I had this account for over 30 years with the same address and never has asked for a debit card under my name of other names. 
XXXX XXXX XXXX. 

Attached is a copy of the detailed debits that have not being credit by Bank of America.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and wasn't familiar with the inquires so I report it to the three credit beurres and haven't received an response. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX.
Product: Bank account or service

Citibank had lied to me and continue to playing a game with me. Their deceptive practice is unacceptable. Need to be corrected immediately. I heard there were thousands complains about the Citibank on purposely delay or deny customers ' bonus. I think all the victim customers should file a class action lawsuit to against Citibank. 
I successfully deposited {$15000.00} to my bonus checking account and waited for bonus to credit to my account. Until now XXXX more days had passed I have n't see a penny. When I open the account, it was stated on Citibank 's website and I had personally confirmed with their representative, that If I deposit over {$15000.00} in to the account within 30 days of account open, and keep the minimum balance of {$15000.00} for 90 days, then I will receive {$400.00} bonus. My account was opened on XX/XX/2016 with {$10000.00}. My promo code is : XXXX. And on XX/XX/2016 I added {$5000.00} to make the total balance to {$15000.00} to meet the requirement. I called Citibank multiple times about my bonus, they all said I 'm qualified for the bonus, but they gave me a deference date the bonus will be credited to my account. Today, I had contacted them and they said they do n't know why I did n't have the bonus and I should have had already. By logic, they should just credit the bonus, XXXX, they said they need open a case to do a " investigation ''. What a baloney! This is the dirty trick they are playing. Unbelievable! My account is clear as pure water, there was a deposit date and deposit amount, and the total amount never changed during these XXXX more days. What to investigate? Citibank is just do n't want to honor the offer on time and playing a game. This kind of dishonor behaviors should not be tolerated.
Product: Credit reporting or other personal consumer reports

The referenced agency violated the laws of the Fair Debt Collection Act. They are inaccurately reporting to my consumer report and violation my rights as a consumer.
Product: Checking or savings account

I wrote four checks to tax authorities for my property tax and they were subsequently intercepted, the payees altered, and deposited at U.S. Bank National Association. The checks cleared my account and were deposited at U.S. Bank not the tax authority. The checks were written on my account at XXXX XXXX I did not look at the returned copy of the checks until six months later when i received a delinquent tax notice, past the time of thirty days that XXXXXXXX XXXX requires for unauthorized transactions. Even though XXXX security issued four fraudulent item affidavit statements, they stated they are not liable to reimburse me the funds. When I received the delinquent tax notice, I immediately contacted XXXX. I don't normally look at every check copy and assumed that either U.S. Bank or XXXXXXXX XXXX both had a duty to see that every check is correct and secure. I simply did not expect that fraud would occur. The check # XXXX, & XXXX for {$1200.00}, {$1900.00}, {$2700.00}, & {$2300.00}. XXXX XXXX  responded to CFPB, but nothing from U.S. Bank. Should not these Banks have to negotiate, and make me whole in spite of the thirty day requirement? The checks were all issued on XX/XX/23. and all paid on XX/XX/23. The four checks were verified fraudulent by XXXX, because they were clearly altered. I had to pay twice out of pocket these funds to the tax authority. XXXX stated in the response to CFPB that in the future if U.S. Bank forwards any funds to XXXX, they will be credited to my account. Which makes this complaint about U.S, Bank also. I do not know if there has been any negotiation between these two parties, and do not know if the fraudster has been apprehended. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX  XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX/XXXX  # XXXX XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX 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

checking over my credit report I realized a lot of information is invalid. I am interested in disputing all incorrect information from my credit report with Equifax to clear my file.
Product: Credit reporting or other personal consumer reports

XXXX is allowing inquiries on my credit report that were not authorized by me for the companies to run any inquiries. When I asked XXXX to remove items they refused and instead closed out the complaint while sending a run around letter telling me to send them bother certificates and social security cards so they know I am the one asking for the removal. The request by them is simply to make it hard and impossible to have the items removed despite the fraudulent inquiry I am the victim yet some how they make me the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Equifax for not accurately reporting on-time payments. There are several accounts ... 

XXXX XXXX - haven't reported since XX/XX/XXXX XXXX XXXX XXXX - XXXX, not reporting to my credit report at all even though it's reporting to every other bureau, this is severely affecting my credit score. While I'm an authorized user, I pay that bill and have been the sole reason for the positive credit history. 

XXXX XXXX - not accurately reporting since XX/XX/XXXX XXXX XXXX - not accurately reporting XXXX XXXX XXXX XXXX XXXX - Not reporting XXXX All of these delays affect positive credit score reporting. As I am applying for a mortgage the age of these accounts plays a huge role in my ability to get financing. Further the lack of reporting an entire account ( XXXX XXXX XXXX ending XXXX ) severely hurts my Equifax score.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously on several occasions requested a description of the procedure used in investigating these accounts on my credit file but have not received them. This company is violating my rights under 15 U.S.C 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCT # XXXX has violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a XX/XX/XXXX The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 

Account Name :XX/XX/XXXXXXXX Account Name : XX/XX/XXXXXXXX Account Name : XX/XX/XXXX XXXX Account Name : XXXXXX/XX/XXXXXXXX Account Name :XX/XX/XXXXXX/XX/XXXX Account Name : XX/XX/XXXXXX/XX/XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This is to let you know that these accounts below have long been removed and deleted from the XXXX Credit Bureau. This has been reported and verified as an inaccurate and incorrect item, so please remove these immediately. 

XXXXXXXX XXXX XXXXAccount # : XXXX XXXXXXXX XXXX XXXXAccount # : XXXX
Product: Debt collection

On XXXX/XXXX/2016 I discovered an adverse remark being reported on my credit profile from Southwest Credit Systems, who is attempting to collect a debt on a {$74.00} account for XXXX XXXX. I was surprised as I was not aware of any debt owed to Charter, nor was I ever contacted or sent a bill. I called SW Credit Systems and they informed me that they sent the bill to an old address, and that they recently received the account in XXXX 2016. Should they have sent the bill to the correct address ( Upon closing my XXXX XXXX account I informed them I was moving and gave them my new address ) I would have paid the bill and avoided a negative remark on my credit report. There failure to meet the requirements set forth by the FDCPA, which clearly state that within 5 days from the initial communication they have to send me a notice advising me of my consumer rights and allowing me 30 days to dispute or pay this bill is now causing me serious financial harm. It is ridiculous that due to their own error, which they admit, they are unwilling to remove an unjust, erroneous, and incorrect adverse remark on my credit report. 

Ref # XXXX
Product: Debt collection

I received a phone call tonight XXXX on XXXX XXXX 2017. They refuse to tell me what they are calling for, or what " debt I owe. They will not give me any info until I verify my social security number- not happening. They call ALL DAY everyday.
Product: Credit card or prepaid card

There is a charge on my account that I disputed. The charge was for XXXX XXXX courthouse. They advised me how to fill out a warrant in debt but they advised me incorrectly. The judge dismissed the case due to the paperwork not being filled in correctly. I found out later that the clerks office was not supposed to assist people due to problems like this occurring. I requested a refund and they advised me that they were not able to process refunds that they were not capable. I then advised them that I would be filing a dispute on my credit card. I called ollo card and explained all this to them. The opened a case. Several weeks later I receive a letter in the mail requesting more information and the letter was not a pre filled question and answer form. It wanted me to ask the questions to myself l and answer them. It was vague and I called to complain. I spoke with a supervisor his id number is # XXXX. He advised me that it was NOT many that I fill the dispute out that it was just in case the merchant responded. He advised me that the case has been opened and that they did not respond as of date. I thanked him and requested to complain about this letter that I received.several days later I received yet another letter that this case has been dismissed. I called up today to file a complaint about this entire mess the case number for the original charge is XXXX. They now refuse to reopen the case without a letter from me even though it was dismissed incorrectly
Product: Credit reporting

Equifax is taking too long to conduct my investigation and respond. I requested an investigation XX/XX/XXXX, but they have not yet responded to me with the results.
Product: Credit reporting or other personal consumer reports

This is my FOURTH time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to XXXX, I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file. 

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from XXXX OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY or provide me proof of permissible purpose.
Product: Debt collection

I received an alert today on my XXXX account about a payday loan from XXXX and it's now XXXX. I filed a identify theft report when I found out in XXXX and it was removed and now 7 years later they are doing it again. I called directly to MidWest Recovery and was placed on hold several times and when I did get someone he was rude and acted as if he was doing me a favor. The practice of reporting old debts especially ones obtained falsely puts enough difficulty on the consumer on TOP of getting it rectified. There is no reason for these poor business practices and horrible service. I keep files of everything and I shouldn't HAVE TO when I did what I was supposed to years ago. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/2020 I tried to login into my online banking account with BMO Harris. During this process I noticed that the HTTP request to login into the account was not encrypted and my login credentials were passed over the internet in plain text ( not encrypted ). I called BMO Harris and was told that they did not have the capability to encrypt the request. This is 100 % false and a HUGE security breach.