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

To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  Account NumberXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Checking or savings account

Our father died ( XX/XX/XXXX ), and my sister and I were appointed to take over the financial dealings for our mother. My sister ( POA for our mother ), my brother, and I became concerned about the " management '' fees being charge by US Bank on a trust set up by our grandparents for our mother ( primary beneficiary to receive income from the trust ) and we XXXX grandchildren ( secondary beneficiaries to receive residual funds on the XXXX of our mother ). XX/XX/XXXX we made our first approach ( see attached ) to US Bank in an effort to reduce the " management '' fees ( approx. {$16000.00} in fees and expenses with approx {$19000.00} of income distribution - account value XX/XX/XXXX {$970000.00} ). We proceeded with negotiations until in XX/XX/XXXX it became apparent US Bank was not dealing in good faith with only a .2 % reduction of fees ( approx. {$2000.00} annually ). We then hired an attorney seeking to have the three of us appointed sole co-trustees intending to keep the same low risk ( mainly investments in tax free municipal bond funds ) strategy and charge no fees. Should we have been successful, we were poised to transfer investments to XXXX XXXX which has amazingly reasonable fees. In order to get a fuller picture of the management over the 20 years since our grandmother died, early XX/XX/XXXX we requested ( see attached ) the annual summary statements and management agreement ( to ascertain if the trust was going to be responsible for US Bank 's attorney ). We not only did not receive these statements but, after requesting acknowledgement, we received no acknowledgement from US Bank about our request. Our attorney also requested these statements on our behalf ( we received only statements showing the trust distributions to the three of us on the XXXX of our grandmother ).
We believe ( under Oregon law ) that we have the right to receive these annual statements so we can better evaluate past management of this account and participate in arriving at a new strategy more appropriate for our mother in light of the excessive fees being charged for scant management of the trust established for her benefit. We also believe the trust should not be charge for anything more than a reasonable amount for these copies ( i.e. the trust should not be charged for any attorney fees as we had to stop legal action because we were assured the trust would be paying US Bank 's exorbitant legal fees ). Our purpose in filing this complaint is to receive the annual year end summaries from XX/XX/XXXX through XX/XX/XXXX as well as the management agreement which should specifically address who is responsible for legal fees under specific circumstances. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car on XX/XX/22 ; the car dealership 's finance department apply for multiple loans with out my consent. I specifically asked them to only use XXXX XXXX XXXX. I did not authorize XXXX  XXXX  XXXX, XXXX XXXX, or XXXX  XXXX  to pull my credit. 

There are multiple inquiries on my report that I do not recognize XXXX XXXX, XXXX XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported that this is in the court -court name XXXX XXXXXXXX XXXX Docket number 0564 month filed XX/XX/XXXX Consumer Portfolio Docket number 7555 month filed XX/XX/XXXX Credit XXXX XXXX XXXX XXXX Filed XX/XX/XXXX on XXXX XXXX I went into my bankruptcy lawyer office to have him do a data base search on the company to found out there is nothing in the court system under my name and even in there state there is nothing in court for me or in my state where I live there is nothing the only thing that is Docket number XXXX Court name XXXX XXXX Eastern Month Filed XX/XX/XXXX balance XXXX so I need this to be investigated with law enforcement and the fraud department to find the docket number and which the company has listed and filed in court there not judgment or lien found in my court where I live from any of those companies
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 9 months since I have been going back and forth with Equifax over several accounts, bankruptcies, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Equifax but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX # XXXX, 2.XXXX XXXX  XXXX # XXXX , 3.XXXX XXXX XXXX # XXXX, 4 . XXXX XXXX # XXXX.There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Equifax has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Equifax and will provide if necessary.
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 items : 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 XXXXXXXX XX/XX/201XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I have made many attempts to contact XXXX XXXX with regards to a debt that they are reporting in collections on my credit file. I have sent many letters asking them to provide me with proof of this debt and to date they have not done so. I have sent them a letter as recent as XXXX XXXX, 2015 via certified mail. I have also disputed this account with XXXX who report this account as verified. I am leary of this since I ca n't get a response back from Darnel Quick Recovery. I need your assistance in getting this matter resolved. Otherwise, I will have to sue for damages.
Product: Credit card

On XX/XX/XXXX I requested my brother XXXX XXXX to add me as an authorized user on one of his credit cards for the purpose of helping me establish my credit. He agreed and contacted Goldman Sachs ( GS ) to add me to his Apple card. This was communicated to GS and the agent started the process. Unbeknownst to us the agent added me as a co-owner of the card. We informed GS that I was ONLY to be an authorized user with no purchasing nor paying responsibility for the card as the card already had prior purchases on it. About one year later XXXX XXXX ran into some financial difficulties and his utilization went up causing my score to decrease. We contacted GS to remove me as an authorized user to protect me from further damage. GS informed us at that time that I had erroneously been added as a co-owner, and as such I could only be removed with the full payment of purchases made with the card. XXXX XXXX stated at that time he would pay it off and have me removed so that he could keep said card active. This did not occur and I suffered further harm as a result. On or about XX/XX/XXXX I received a phone call from GS in regards to payment of said card. I informed the agent at that time that I was not responsible for any charges on the card and that I should never had been added as a co-owner as that was never the intent. The agent stated at that time that GS does not have authorized users only co-owners. I informed agent that the previous agent should have disclosed this at the original time of the request so that I could have stated that wasn't my intent and I would have declined. I was not made aware of the policies of GS in regard to authorized users as required by federal law prior to any credit account being issued. The GS agent apologized for the inconvenience and offered to remove me from the account. This did not occur, and I have received many phone calls requesting that I pay off the card that I have never made any purchases on. I demanded that GS contact the owner that they had the contract with and settle with him as I have never been the owner of said card. GS confirmed via phone call that I did not in fact make any purchases with the card and again stated that I would be removed and that I would receive no further contact in regards to payment for the card. This did not occur as I have received at least 5 additional phone calls on the same issue. Three of the calls I did get recorded and I have the recorded calls for reference and evidence. The Credit Reporting Agencies ( CRA ) have failed to exercise due diligence in that they have never investigated using a live agent the account prior to furnishing this information on my consumer report. The CRA have allowed my reputation and good standing to be severely damaged due to this erroneous information. This has caused me undue stress and financial hardship which is contrary to consumer protection laws established in the USA. All three Consumer Reporting Agencies and Goldman Sachs have been complicit in this fraud and miscarriage of justice.
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. 

XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX, XXXX  : XXXX, XXXX  : XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX ( ORIGINAL CREATOR XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Statement : I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. TransUnion, XXXX, and XXXX, Shared my personal non public information without my full disclosure or written consent. I do have the personal right to privacy that has been very abused and that is a violation under the Gramm Leach Bliley act of 1999. These violations have compromise my non public information and resulted in my identity theft. I demand all accounts be removed in the next 5 business days as stated under law. US DEPT OF EDXXXX # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXXXXXX ). ( XXXX XXXXXXXX ). ( XXXX XXXX XXXXXXXX ). ( XXXX  XXXX ). ( XXXX XXXX ). ( XXXX XXXX XXXX ). ( XXXX XXXX XXXX XXXXXXXX ). ( XXXX XXXX ). ( XXXX XXXX ). ( XXXX XXXX  XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX acct # XXXX, XXXX acct # XXXX and XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 


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

15 U.S.C. 1681Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX {$16000.00} Account closed Terms of 1 Month. Payment status : Seriously past due date assigned to attorney, collection agency. I have never opened an account in XXXX with no one. I have tried to dispute numerous times sent in docs. At this point Im ready to move forward with filing a Lawsuit against Experian!!!!
Product: Debt collection

I hope this letter finds you well. I am writing to express my concerns regarding the ability of credit bureaus to accurately determine whether a client is a victim of identity theft. While I understand that credit bureaus play a crucial role in maintaining the integrity of credit reporting, it is essential to acknowledge that there are certain limitations in identifying identity theft solely through traditional credit monitoring processes. Identity theft is a pervasive problem in our digital age, and its methods are becoming increasingly sophisticated. Despite the best efforts of credit bureaus to detect suspicious activities and protect consumers, there are several reasons why it can be challenging to definitively determine whether a client has fallen victim to identity theft XXXX XXXX XXXX XXXX XXXX XXXX I believe it is essential for credit bureaus to acknowledge these limitations and explore more robust and proactive measures to protect consumers from identity theft. These measures could include increased data sharing and collaboration among financial institutions, more comprehensive identity verification processes, and enhanced monitoring for non-financial forms of identity theft. In conclusion, while credit bureaus play a vital role in the financial ecosystem, it is important to recognize the inherent challenges in definitively determining whether a client is a victim of identity theft solely through traditional credit monitoring processes. I urge you to consider these limitations seriously and work towards
Product: Debt collection

This company is calling my phone early morning, noon, and night. This is old back XX/XX/08 I wish this to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the fraud was uncovered at XXXX - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. XXXX just plain makes their web site inoperative. I need an answer now.
Product: Checking or savings account

I was charged XXXX from XXXX that I did not authorize. I contacted Chase bank and did a dispute but they denied it. Ive contacted several departments and was told they did a thorough investigation. I asked them how can you do a thorough investigation when I havent had the opportunity to send in evidence. 
They believed XXXX instead of their customer and refused to put the money back in my account. 

Im on a fixed income receiving unemployment. It wouldnt make sense to spend XXXX on a Ad when I only get unemployment and ebt benefits. 

My account is in the negative because of this unauthorized charged. I cant afford cover this charge and now Chase has threatened to close my account soon if I cant get checking account to a positive status. 

Ive called Chase, chase executives, Ive emailed the CEO, submitted a complaint to the XXXX  and still no help.
Product: Debt collection

XXXX2022 Aargon Agency flagged my credit report for an electric bill, in an entirely different state from where I live, and now thinks I'm going to pay them {$350.00} for something I have no knowledge of. I've never lived at this address, got mail here or is it associated with me period. I don't know who lives here or where it is actually. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

Here to establish this party having full faith and credit, to nearly any amount of debt tendered.

Please see attachments.

With substantiated facts, I place a postage stamp backed by gold, with my endorsement across diagonal, dated XX/XX/2024 XXXX : no dashes, pursuant to being alive, living, flesh and blood, repudiate signatures, power of attorney and any contractual obligations I didnt not knowingly, willingly and intentionally commit to.

The facts of international bill of exchange will tended all debts, and pursuant to 12 U.S.C. 411 alongside a host of codified notations, as well as treaty benefits expressed pursuant to XXXX and XXXX forms completed. 

XXXX XXXX
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. 

XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Sections 602 A States I have 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 instruction 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 items 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 information is inaccurate.