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

According to the Fair Credit Reporting Act, the accounts on the list below have violated 15 U.S.C. 1681, which protects my right to privacy and confidentiality as a consumer. 
XXXX : XXXX XXXX OF XXXX : XXXX have violated my rights. 
602 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

604 15 U.S.C. 1681b ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
605 15 U.S.C. 1681c ( a ) No consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Any other adverse item of information other than records of convictions for crimes that antedate the report by more than XXXX years. 
623 15 U.S.C. 1681s-2 ( e ) Accuracy Guidelines and Regulations Required ( A ) Establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary.
Product: Checking or savings account

Navy Federal Credit Union is not allowing me to withdraw my XXXX XXXX XXXXXXXX money. I lost all my identification and NFCU would not issue me an ATM card and allow me to reset all my identifiable information. Also they barred me from their facilities due to loitering and communication with anyone regarding my accounts even via phone. My mother attempted lots of avenues to get my money and everything was denied. Also my mother sent a letter dated XX/XX/XXXX on my behalf requesting to close-out my account and mail me my money, as of yet I havent received a response. Recently, my mother contacted the Navy Federal Credit Union with general questions about anyones accounts relating to my issue and the person was very helpful. Therefore, I sent a certified letter dated XX/XX/XXXX to the Close-Accounts section at the Headquarters, Navy Federal Credit Union XXXX XXXX close-out all my accounts and mail my money to my current address. I currently have {$4300.00} in my savings account and {$93.00} in my checking account. I am diagnosed with XXXX XXXX XXXXXXXX symptoms and on medication. During the time this situation occurred I became XXXX for XXXX year because I stop taking my medications. My parents did their best to help me and my mother advocates for me. I dont understand how a financial institution can hold someones money and this was my only income along with me experiencing an illness. Thank you for any help you can give me to resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of Fair Credit Report list of accounts violated my federal protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX. 15 u.s.c 1681 section a states I have the right to privacy. 15 u.s.c 1681c. a,5 section states no consumer reporting agencies may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.15 u.s.c section 604 a section 2 Consumer reporting agencies can not furnish a account without my written instructions.15 u.s.c 1681s-2a1 a person shall not furnish any information related to a consumer to any consumer agencies if the person knows information is inaccurate.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to Transunion ( USPS tracking # XXXX ) about hard inquires listed on my credit report that I did not approve. Today, XX/XX/2022, I called Transunion and spoke to a man by the name of XXXX XXXX located in XXXX, XXXX. He told me that the items will be there for 2 years. I didn't have this issue with XXXX and XXXX at all. He was giving me a very hard time but, I know my rights. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

My name XXXX XXXX XXXX disputing the this account I ask it to be deleted now I never opened this account my identity was stolen 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Law 15 U.S.C. 1681-1681x 1029. Fraudulent Presentment and Related Unauthorized Credit Card Transactions Made by Access Device18 U.S.C. 1029 ( a ) ( 7 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ACCOUNT NAME : XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$240.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Sales Contract Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid in settlement/Never late. 
Status updated XX/XX/year> Original balance $ XXXX  Monthly payment - Last payment date XX/XX/year> Additional info XXXX XXXX XXXX 24 Months Company sold - Original creditor - Comments Account paid in full for less than full balance Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone number ( 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 XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Product: Credit card

Signed up for the Barclays Carnival credit card on XX/XX/year> while on a cruise. They offered a promotional XXXX  months XXXX  % offer on initial purchase of {$13000.00}. The first month I was not charged any interest but on the XXXX  statement they began to charge interest. I was charged {$180.00} on XX/XX/year>. I contacted the customer service team on XX/XX/year> by calling the toll free number listed on the card. The agent named XXXX reviewed the account and saw that I qualified for the offer. She provided me a case # XXXX and stated it needed to be reviewed by another department and that I would receive a letter in XXXX  days. I asked for an email confirmation but was told they did not have that ability. I received the follow-up letter which stated that additional information was needed. After receipt of letter I called once again and was told the case # had no information listed. The next agent reviewed the account and once again stated the transaction qualified for the financing offer and that an incorrect finance rate was listed on the account. She provided a second case # XXXX and once again stated she needed to have another department review and remedy. She stated once again I would receive a letter in XXXX  days. As of this complaint the finance charge is still listed on the account, I have not received any additional information and the next billing statement will be due shortly. Additionally I have made payments early for the XXXX billing periods and have the third month scheduled early also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my credit report and Equifax refused to accurately investigate while sending correspondences back stating everything was accurate. 

TRACKING # XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However EQUIFAX failed to mark notice of dispute on my credit report.
Product: Checking or savings account

On XX/XX/XXXX I lost my debit card to my banking account, on XX/XX/XXXX I had created a dispute for XXXX and was told that only when the transaction is posted to the account may I create a dispute. In XX/XX/XXXX I seen my transaction was posted and was able to create this disputed transaction. On the XXXX business day which was XX/XX/2021 my account was not credited a provisional credit nor have I been contacted by any member of the dispute team. I reached out to live support on XXXX XXXX, and XXXX. Every single time I had been able to make contact with them using there online chat tool I was informed that they have messaged there dispute team members via email and that my credit would be applied by the end of day. Every single chat I requested to speak with a dispute team member directly and was informed that was not possible and would need to wait for an email from them. As of 13 days since my dispute was opened XXXX of which are business days, I have yet to receive a single email from anyone that works for the banking app Current. The toll free number on the back of the card is out of service or not working, and a customer service rep informed me that they are currently not able to take phone calls. This company is a cause for concern and personally is above the laws in there eyes. This is probably the biggest red flag I have ever seen for fraudulent activity from a business. This is the receipt number involved with my dispute, ** XXXX **
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX
Product: Checking or savings account

Robinhood in XX/XX/XXXX restricted my account for no reason, they asked for my ID, Bank Statamets, and a selfie, they dont allow me to take my money, I have been trying to request help but the help is very poor, they dont let me call because the only way to talk with them is using the app, they don allow me buy stocks, only sell.

I request help many times, via app, email, requesting phone calls, but they only said wait, wait 2 days, wait 3 days, wait 4 days, can be longer, and now they block any kind of communication
Product: Credit reporting, credit repair services, or other personal consumer reports

on my XXXX XXXX account it shows that i applied for a home mortgage loan also a credit card through Elan Financial Services on XX/XX/XXXX. The credit card is showing up as a hard inquiry. I have not applied for either one of these
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting

After disputing the status of the XXXX account on my credit file, Equifax continues to report that the XXXX account status is a " Bad Debt ; Placed for collection ; '' and with XXXX missed payments. '' This is incorrect. The XXXX account status is closed with a {$0.00} balance and paid as agreed. Equifax has not provided any method of verification for this account or the supposed company that this account was placed in collections with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account on my credit are not mines. I have disputed them with the credtiors with no success. I am at my last leg please help. Please delete and Block these accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XX/XX/XXXXXXXX, DISPUTE AND NOTICE OF INTENT TO ARBITRATE I am writing to respond to your XX/XX/year> letter and to reiterate my dispute regarding the inaccurate information reported to the credit bureaus. I also notify you of my intent to initiate arbitration proceedings pursuant to our agreement. 

ATTEMPTS TO CONTACT Your letter claims attempts were made to contact me by phone and email. However, 15 U.S.C. 1666b explicitly requires mailed disclosures, specifically stating that " a creditor shall furnish a clear and conspicuous written disclosure '' to the consumer. A phone call or email does not satisfy this requirement. To comply with the law, you must provide evidence of mailed disclosures, including a tracking number for certified mail. 

DAMAGE TO REPUTATION Your company 's inaccurate reporting has damaged my reputation, resulting in credit denials and significant time and money spent disputing this fraudulent account. 

REQUEST FOR PROOF I reiterate my request for proof of proper disclosures and investigation procedures, as mandated by 15 U.S.C. 1681s-2. Your failure to provide such evidence will be held against you. 

VIOLATIONS AND DAMAGES Your company has willfully violated the FCRA, resulting in multiple damages. I will pursue these violations under 15 U.S.C. 1681n and 1681o, with damages of {$1000.00} per violation. I have counted over five violations, totaling {$5000.00} in damages. 

ARBITRATION I will initiate arbitration proceedings if this matter is not resolved within the next 15 days. Your company will be responsible for covering all filing fees and costs associated with arbitration, as per our agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account : XXXX XXXX XXXX XXXX  Balance : {$0.00}.
Product: Debt collection

This debt is not mine and they keep putting this collection item on my credit report without notice and its affecting my livelihood. As a XXXX XXXX I feel like this is systemic racism. If I was a XXXX woman this would not be happening with me fighting for my life the way I am fighting. I have contacted the XXXX regarding my situation about this systemic racism regarding my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent letter to the follow companies asking them to validate debt with signature or copy of my identification I observed on my consumer report : XXXX XXXX XXXXXXXX acct # XXXX Resurgent Receivables LLC acct # XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX, XXXX, XXXX, pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 

Debt wasn't validated which makes those companies in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - " Failure to validate alleged debt ''. 

Sent a CEASE AND DESIST LETTER 15 USC 1692cI ceasing communication, still no avail. 

On XX/XX/ I sent a letter to all 3 consumer reporting agencies asking to correct my personal information. That my name, address, phone number, and employment was incorrect, included was a copy of my Driver License, Social Security Card, and Proof of Address. XXXX and XXXX both came back with my personal information being validated. The incorrect is as follow : Names Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX I also asked all bureaus to validate all the accounts above per : Fair Debt Collection Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX was removed/Deleted from XXXX but not XXXX and XXXX meaning the information on my consumer report is incorrect. 

XXXX XXXX XXXX XXXXXXXX was removed from XXXX but not XXXX and XXXX meaning the information on my consumer report is incorrect. 

Treatment of Inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an items of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information.
Product: Checking or savings account

On XX/XX/2021, I disputed an ATM transaction with Bank of America in the amount of {$700.00}. Within the same hour, my account was frozen and I was unable to access my remaining funds. I called the Bank of America to get clarification on why my account was frozen in which they directed me to contact the XXXX XXXXXXXX XXXX Department. After being prompted to contact XXXX, I spoke to XXXX  on XX/XX/2021 who and informed me that I needed to provide ID verification, which I provided through the XXXX website. On XX/XX/2021, I spoke to a XXXX representative who informed me there are no issues with my account or verification on their end, they also referred me back to Bank of America to obtain bank account access. I called Bank of America again the same day to get an update on my account status and claim, in which they stated that they do not have access to since the account is frozen for fraudulent activity. Over the period of a week, from XX/XX/XXXX to XX/XX/XXXX, I have called Bank of America XXXX to get an account update, to which they claim they are unable to give me. I have confirmed with XXXX through several different phone calls that my XXXX account has no verification or fraud issue and each time I am told to contact Back of XXXX for access to my account. On XX/XX/2021, I received a letter dated XX/XX/2021 stating : Your claim has been closed because we believe the account or the claim have been the subject of fraud or suspicious activity. Any temporary credit that was applied to your account related to this claim, including any fee related reimbursement or fees, has been or will be debited from your account and reflected in your available balance, if any. I contacted Bank of America again on XX/XX/XXXX to reopen my claim and get account access, in which I told that my account is frozen and they are unable to help me until my account is unfrozen. I am concerned I XXXX not have access to my account to pay my bills. I am supposed to receive an XXXX  payment this upcoming Monday. I will not have access to the payment until Bank of America unfreezes my account.
Product: Credit reporting or other personal consumer reports

TransUnion and Equifax are reporting an account from XXXX 's with account number XXXX, which should have been removed after it was satisfied with the creditor. I have attached all relevant documentation, including XXXX correspondence letter, the CFPB response from XXXX, email confirmation that no record of this account was found, and proof of XXXX current XXXX  filing, which prevents them from validating this information. Given that XXXX has already removed this account from my credit report, I am requesting its immediate deletion from yours as well.
Product: Credit reporting or other personal consumer reports

upon checking my consumer credit report i have discovered that there are fraudulent, inaccurate, and incomplete accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of Identity Theft and XXXX. These fraudulent accounts consist of a personal credit card account opened at XXXX  XXXX on XXXX, a credit card account opened at XXXX  XXXX on XXXX, a credit card account opened at XXXX XXXX XXXX  on XXXX, a Secured Loan opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a Installment account opened at XXXX XXXX XXXX XXXXXXXX, a collections account opened at XXXX XXXX XXXX on XXXX, a collection account opened at XXXXXXXX XXXX XXXX XXXX XXXX  a collection account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from each credit report. There is also inaccurate and incomplete information being reported on my consumer credit report that is a violation of the credit reporting act and is harming my reputation and consumer score.