23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Reported identity theft for this account, they told me I wasn't liable to pay it. then they took the collection off of my credit report only to put it back on there a month later.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item 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, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 this creditor ( XXXX XXXX ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima digital FKA account, this is not my account. It is my XXXX XXXX XXXX account and I do not have the equipment or whatever was purchased. I have no idea what this account is for and did not give anyone authorization to purchase something under my credit. This needs to come off my credit report, I do not owe this money. I am trying to purchase a home for myself and XXXX children. I need this off my credit reports. 

Thank you
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I have retrieved copies of my most recent credit report, showing all 3 bureaus reporting. Have have made multiple attempts to have accounts on my report investigated, with no response to date. I have sent letters with specific disputes of those specific accounts dated XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020 ; to all 3 bureaus. I have made them aware of my decision to file a complaint for non-response, and still have not heard, or seen, any difference in those accounts that were challenged. I now look to you to assist the bureaus in meeting deadlines in a timely fashion, so that I may have some resolution to my credit issues. Thanks.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXXXX/XX/year>
Product: Mortgage

XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX Notice of Initial Servicer, 8.5x11 inches, which I had received via USPS First Class Mail XX/XX/XXXX, from XXXX XXXX IL XXXX. I need Bank of America to return that original Notice of Initial Servicer to me. 

Sincerely, XXXX, IL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been trying to get hard inquires off my credit report throughout this whole year and the credit bureaus haven't been any help on the phone, mail, and online. From my knowledge my credit report have been frozen/locked since the beginning of the year, and company 's are still accessing my credit. The hard inquires are XXXX XXXX XXXX CARVANA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XX/XX/2024 XX/XX/2024 I respectfully requested that the inaccurate information be deleted/updated from my credit report. Additionally, I asked that they verify the accuracy of this information and provide me with a detailed explanation of the steps taken during the dispute process. 

Was not performed and dispute response/dispute was not done within a timely manner.
Product: Vehicle loan or lease

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefi t from. I have disputed thesesame accounts to no avail, and they still refused to provide proof of XXXX XXXX paying them, or proof of them selling the car since it was returned.I never gave them authorization to use my identity to send the account to collections. I need these accounts removed immediately!!!
Product: Credit card or prepaid card

XX/XX/2021 : Was out to dinner and my XXXX debit card was declined. I called Citibank to find out and they said there was a charge for {$4900.00}. This is more than what I had in my account. I was told the charge was made with my XXXX debit card number from XXXX XXXX XXXX. I told them I did not authorize this, and it was not me who made the charge. I disputed the charges, and they closed the XXXX debit card and said they would send a new one out. At this point the charge for {$4900.00} was PENDING. 

XX/XX/2021 : The unauthorized charge for {$4900.00} POSTED to my account. Citibank did not stop the charge even though they knew it was not authorized. What wasnt covered by what was in my account went into overdraft protection. I now have {$4200.00} on my overdraft. 
I filed a police report on XX/XX/XXXX. I've disputed this twice with the Citibank fraud line and each time they respond that I am responsible for the charges. I went into a branch a month ago and have been trying to dispute this with a branch banker. I call weekly and I'm told they're still investigating. 

Both myself and the local police officer have been calling XXXXXXXX XXXX XXXXt. They answered once and told the officer that they had been 'hacked ' and were refunding and would refund me. That never happened. Now when the officer calls, or I try to call... they either don't answer or they pick up and put me on hold immediately, we're ghosted. 

If you search on the Secretary of State North Carolina for " XXXXXXXX XXXX XXXX  '' you will see that the owner, XXXX XXXX XXXX actually owns several cabinet door companies ( and other wood working businesses ) and he's been reported to the XXXX. Last I checked he had five active LLCs and six dissolved LLCs. Reading reviews, his company frequently puts fraudulent charges on people 's credit cards and then tells them to complain to the credit card companies. In XX/XX/2021 placed a small order a cabinet door and drawer front from a company called " XXXX XXXX XXXX, '' which is registered through an agent but the filing address is the same and after researching, I discovered it's one of the many companies XXXX XXXX XXXX owns. His company held onto my debit card number for over 9 months and then put a fraudulent charge on it through one of his other companies ( XXXXXXXX XXXX XXXX  ). When I read reviews for some of the companies XXXX XXXX XXXX owns, I discovered there are others out there that had the same thing happen to them. 

This is criminal activity and nobody is stopping them. Citibank is not giving me the protection I am entitled to under the Electronic Funds Transfer Act that covers when there is unauthorized use of a debit card and the bank is notified within 2 business days. In my case, I notified the bank the same day the fraudulent charge was made ... before it even posted. It's been over two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm attaching a copy of a Transunion Credit Report which contains multiple inaccuracies and errors for several accounts that were never mine in the first place. 
XXXX XXXX XXXX # XXXX shows 30 days late payments XXXX and XXXX. It is impossible to be 30 days late 2 consecutive months. 
XXXX XXXX XXXX # XXXX states last payment received XXXX in the amount of {$540.00} but has an X for unknown in the payment history for XXXX?? 
XXXX XXXX # XXXX XXXX XXXX XXXX received XXXX for {$100.00} yet the payment history shows current for XX/XX/2022?? 
This is egregious and definitely continues to violate my consumer rights under the Fair Credit Reporting Act
Product: Debt collection

I am current and up to date on all of my medical payments. I have health insurance so I often only pay a copay. I have no recollection of ever incurring this charge to my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank wo n't update my account information like they should with active hours so I can cash out
Product: Checking or savings account

I own and operate a nonprofit XXXX animal rescue. PayPal has locked our account with over {$4700.00} of donations which we may or may not have access to by XX/XX/2023. This will shut my rescue down. We are fully dependent on these donations. 

XX/XX/XXXX our PayPal account was limited for no provided reason. XX/XX/XXXX it was reinstated stating it was an error in their system and shouldnt happen again. By XX/XX/XXXX the account was limited again for no stated reason. Again it was stated via messages this was in error because a white flag was on not the account after the last erroneous limitation and the account would be reinstated and have no further problems. The account was reinstated and allowed donations to be received again. On XX/XX/XXXX just after making a purchase of stamps to mail out records to our adopters our account with PayPal was permanently closed with no justification ultimately locking over {$4700.00} of our donors donations that fund our nonprofit animal rescue. 

PayPal stated we may be eligible to receive them but have it wait 180 days to find out if we get them or not due to risk on our account. We have never had a charge back and our donations are non refundable. Those funds should be immediately released to our nonprofit bank account and we have no issue no longer conducting business with PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen in XX/XX/year> and my bank accounts were frozen. I could not make a payment for a month until the issue was resolved. All other creditors understood this and removed my late payment, but XXXX is not even after disputing for over XXXX years.
Product: Credit reporting or other personal consumer reports

I submitted my request for the annual free credit report and XXXX gave me a couple of pages and XXXX requested money for my free credit annual report???. I wrote back explaining that this was for my annual free credit report of which I still haven't received anything from them and nothing at all from Experian reporting company?? What have I done wrong, I wrote to these 3 agencies asking for my free credit annual report. You are suppose to get for free, what's up, what's the problem, what don't they understand, and i ask for my full credit report, not just 2 pages. Thank you
Product: Credit reporting or other personal consumer reports

[ Credit Reporting Agencys Name ] Portfolio Recovery Re : Investigation Request for Inaccurate Credit Information Dear Portfolio Recovery I am writing to formally request an investigation into the accuracy of certain information on my credit report. After reviewing my credit file, I have identified discrepancies that I believe require your attention.

The details of the disputed information are as follows : 1. Account Name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX. Nature of Dispute : Never had a account with this creditor. 
I kindly request that you conduct a thorough investigation into the validity of this information. Specifically, I ask that you : 1. Verify the Accuracy : Confirm the accuracy of the reported data with the creditor.

Provide evidence supporting the validity of the information. 2. Correct Any Errors : If any inaccuracie
s are found, promptly update my credit report to reflect the correct details.

3. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the changes made to my credit report.

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute questionable information. I appreciate your attention to this matter and your commitment to maintaining accurate credit reporting. 
Please respond within 30 days from the date of this letter. You can reach me at [ XXXX ] or XXXX ] if you require additional information. 
Thank you for your prompt attention to this request. I look forward to a positive
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$12000.00}
Product: Credit reporting or other personal consumer reports

Equifax Hard Inquiries that was not authorize or verified by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is different payment history information being posted on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Ally Bank 2. Date of false reporting starts almost 4 years ( XXXX, XXXX ). Its still reoccurring to this day. 
3. They first reported me to credit bureaus, so i sent correspondence to shut that down immediately. Was taken down/off my report first thing. And since XXXX isn't something most people know about unless are dealt with a situation that requires them. Someone can falsely report you under detection, as not one place told me " oh you have an outstanding balance at ally. Sorry. '' That was until last year when i moved to Hawaii. XXXXXXXX XXXX i tried to get let me know, ally bank is the one that is reporting you owing money. Besides the account being apart of an identity theft, I never owed them anything. They kept lying and saying my bank reversed deposits. I sent them bank statements of the month in question as well before and after discrediting their theory. They replied by saying that isn't true and then hanging up. I tell them I'm closing this account and only keeping my XXXX XXXXXXXX acct. Then a year or months later send me notice i am delinquent and owe almost {$900.00}. fast forward and they have continued to report me after not 1 but 2 failed investigation attempts by XXXX. With the last one going to banks favor even when i have my bank send photo proof someone tried to deposit the check into a closed account. But this shows proof of receipt which they deny. And base there XXXX  off in first place. Im sending with this report my bank statement who issued check directly to ally bank. And lastly the reply from my bank that issued said check on its current status as well as anything being shown that ally received check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I notified XX/XX/XXXX, Equifax, and XX/XX/XXXX about this XX/XX/XXXX account showing up on my credit report as a charged off account. I have been notifying them for months and even sent police report and somehow this account still gets updated and verified as accurate. The only credit bureau who actually did the right thing and removed this inaccurate account was XX/XX/XXXX. I don't see why this account did not get removed from XX/XX/XXXX and Equifax as should.
Product: Checking or savings account

https : XXXX ... ... ... ... ... .. 

On or about XX/XX/XXXX I received an unsolicited debit card by mail from Chase bank. I immediately contacted them and were told that the account had been flagged by their fraud team. They instructed me to get a police report and they would send me an affidavit to the fact. I talked to the police officer and he asked me if I ever had business with chase bank? I remembered having a mortgage with them in the late XX/XX/XXXX. This where things dont add up, I have a credit freeze since XXXX breech and get alerts. With my previous account with chase bank, they would have my credit info and a credit application. I checked the credit bureaus and on XX/XX/XXXX their was an soft inquiry for a promo and no alert was issued. Also, their have been no other merchants involved or no activity on any of the bureaus. Thanks