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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

On XX/XX/2019 I paid the full outstanding balance of {$6400.00} still showing to all the reporting Credit Bureau Balance!
Product: Money transfer, virtual currency, or money service

I use an app called XXXX  an now it says PNC has blocked communications with this app. I use this app as a last resource to get some extra cash an it helps out a lot.
Product: Credit card

I was summoned to court by Midland Credit for XXXX credit cards that I do not ever recall opening. My name is XXXX XXXX and the statement of the credit cards have XXXX XXXX. When I first went to court, they sent me home and then summoned me again regarding these cards of which I told them that they do not look familiar and that my legal name is XXXX XXXX. They told me to go home and submit a fraud inquiry if I wasn't sure those were my cards, that is what I am doing today.
Product: Credit reporting or other personal consumer reports

I recently review my consumer report on XX/XX/2024, I noticed that the CRA 's has furnished debts I do not owe. According to 15 USC 1681c-2 ( a ) Block Except as otherwise provided in this section, 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These accounts are a result of Identity theft and if you continue to furnish this fraudulent debt you will be violating federal law. I have never entered into a consumer credit transaction with these companies. You do not have any contracts bearing my signature granting them the authority to collect any money from me. I want this account deleted immediately. I have provided my identity theft report as well to support my claim along with my proof of identity. 
Here are the accounts I am referring to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I signed up to become a member of a ( scam ) company called XXXX on XX/XX/XXXX. No specific date was given for when we would receive access to the " member store '' online or get our " debit cards '' but at sign up it stated XXXX weeks. At the end of XXXX weeks they extended the date another XXXX weeks, and so on and so forth for about XXXX months. The company kept hosting zoom meetings whereby they moved the date of releasing the membership cards and website/store access. Different excuse and explanation, but very believable so I kept holding on waiting for my " merchandise '' access card to arrive so I could utilize the benefits I paid {$540.00} using Klarna. 
On XX/XX/XXXX, the company sent an email stating they were ceasing operations. I had already submitted a dispute with Klarna for non-receipt of merchandise. Then later switched to request a chargeback due to fraud. Klarna has a XXXX  month policy of refunds after services or purchases. I have been in 'dispute ' since the end of XXXX with Klarna XXXX They keep asking for the same exact information over and over again, which has only increased the amount of interest I'm paying on this fraudulent charge. XXXX XXXX XXXX never delivered on their promise, and I had already requested a dispute with XXXX before I was notified that the merchandise would never be sent. I first disputed on XX/XX/XXXX, then had to restart the dispute on XX/XX/XXXX, which I submitted several screenshots of proof they requested. On XX/XX/XXXX, Klarna asked for the same proof they had before, then closed the dispute after I told them I'd already given them what they asked for. they reopened it after I called them, then once again I submitted the same information, plus more details after XXXX had shut down. On XX/XX/XXXX, they emailed me yet again asking for the SAME information, and closed my dispute today XXXX because I am not giving them what they ask for ( yet I have XXXX times! ) which is the most recent document in XXXX I have from the company stating that the new company launched named XXXX, and we were all transitioning from XXXX to XXXX and access to the member deals would be coming soon. They continued to promise to mail cards, during their zoom meetings but I never recorded the meetings. 
I have filed an FTC report about the fraudulent company : XXXX. This is run by a man with a history of securities fraud ( " We also reported on XXXX being criminally charged with securities fraud in XXXX  back in XXXX. The charges pertained to XXXX running XXXX XXXX schemes, which authorities claim XXXX defrauded consumers out of ~ {$10.00} XXXX dollars through. XXXX pled guilty to XXXX count of XXXX XXXX XXXX XXXX ( page XXXX ), a second degree felony, in XXXX. '' )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was billed {$27.00} for no reason. I never agreed to a membership. I was forced to put my credit card info in just to sign in. Then at no time did they have a page that notified me I was about to be charged {$27.00}. At no time did they ask me to confirm my order.
Product: Checking or savings account

I tried to make and online purchase to XXXX and it was denied. I called the banks 24hr customer service number to ask why I cant use my card And I was hung up on RUDELY after being told I would have to go into the bank branch its self and they will have to resolve the issue. This wasnt the first time I had to go into the branch and verify myself to receive my money. So on Friday XX/XX/year> I went to the XXXX Citi bank branch in XXXX XXXX to figure out what was going on with my account where I was told that my account was going to be closed and I have to wait 60 days to receive my account balance by mail to the address on file. I then went to the XXXX branch at XXXX XXXX XXXX XXXX XXXX where I was told over the phone my funds could be expedited to me at the branch. Then after nearly XXXX hours of waiting for a XXXX at Citi bank XXXX XXXX XXXX I was told I have to go to XXXX XXXX XXXX because the XXXX branch didnt have a bank supervisor to complete the Transaction and when I got there to ask for XXXX the bank supervisor for XXXX XXXX XXXX XXXX At this point I sat with a banker and he made a call to XXXX which they said I have to wait XXXX days to receive a check for my balance in the mail. After that I called an spoke with XXXX where she spoke to the banker and told him he should go ahead and release my funds to me and he said he wont do it until XXXX gives him the ok. XXXX XXXX the bank to give XXXX a call while she was on the phone an we sat there for over XXXX minutes an XXXX still did not pick up and the banker told me the bank was closing that I should come back on Monday to resolve this. Im not able to get access to my funds the app wont allow me in and the customer service representatives are giving me the run around
Product: Credit reporting or other personal consumer reports

I WAS IN A NIGHTCLUB WHERE MY PURSE WAS STOLEN IN XXXX, I WAS ADVISED TO START MONITOR MY ACCOUNTS. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS I HAVE NO KNOWLEDGE OF OR AFFILIATION WITH. THESE ARE NOT MY ACCOUNTS. 
I CONTACTED XXXX, EQUIFAX, AND XXXX ADVISING OF THE INCIDENT AND REQUESTING VERIFICATION. 

I HAVE THE RIGHT TO PRIVACY AND I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO REPORT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT ADDRESSES THAT ARE NOT MINE ARE REMOVED TO PREVENT LINKING ME TO ANY OTHER FRAUDULENT ACCOUNTS
Product: Credit card or prepaid card

Please TAKE NOTICE that several correspondences has been sent to this company since XXXX. This account has been paid in full. Yet nothing has reflected that the account has been paid, in addition to I continue to receive bills that does not adequately reflect that this account has been paid. Further interest fees has been charged and it is reported on my credit that I have not paid, when I have in fact paid this off in full. Please be advised that if this matter is not settled within the next 30 days that legal action may be pursued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 or other personal consumer reports

I am writing to express my extreme frustration with the inaccurate information that is being reported on my credit report. The bankruptcy case that you are reporting as valid and accurate is actually false and inaccurate. I have never had a case tried or seen, and there was never a judgment against me. Therefore, there was never a case for a judge to preside over. 

I demand that you take immediate action to remove this false information from my credit report. If you continue to report this information without properly verifying it, I will not hesitate to take legal action. I have already discussed this matter with my attorney, and he will file a federal case against you within 30 days of this letter if the incorrect information is not removed. 

The bankruptcy case you are reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXXThis item was reflected as a late payment on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Payday loan, title loan, or personal loan

I signed up for a loan and was told I was in charge of making payments which is no problem, I then received a notice that they withdrew  XXXX  from my account when the first payment was only supposed to be  XXXX . I then signed on and looked and they have a  XXXX  dollar fee attached to all future payments. I never agreed to the taking the money out. And also come to find out they are not licensed in my state of Washington to be giving loans. They stated they are a tribe and can do what thet want but the attorney generals office says not they cant
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

am writing to bring to your attention a provision of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2Ai, which pertains to the duties of furnishers of information to consumer reporting agencies. As a consumer, I believe it is important to ensure that this provision is properly adhered to in order to maintain accurate and fair reporting of credit-related information.

According to 15 USC 1681a 2Ai, furnishers of information are required to : Provide Accurate Information : It is essential that information reported to consumer reporting agencies are accurate and complete. Furnishers are obligated to have reasonable procedures in place to ensure the accuracy of the information they provide.

I kindly request that you ensure compliance with the aforementioned provisions of the FCRA in your reporting processes. Accurate credit reporting is crucial for maintaining a fair and transparent credit ecosystem, and I trust that your agency is dedicated to upholding these consumer protection standards.

In accordance with the FCRA, I request that you provide me with a copy of the investigation results related to any disputed information in my credit report. Please inform me of any actions taken to correct or update my credit information as a result of your investigation.

PLEASE STOP REPORTING MY UTILIZATION FROM THE ACCOUNTS IN THE ATTACHMENTS. I HAVE ALSO ATTACHED ALL IDENTIFICATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1. ) During a phone call to Experian after being verified the representative refused to update my current address. Please see attached signed Rental Agreement dated XX/XX/2021 ( 2 ) During the same phone call with Experian after being verified the representative refused to investigate disputes related to Hard Inquiries listed on my credit report, Stating they are a " Statement Of Fact ''. 

( 3 ) The Experian representative manager refused to remove variation of my name even after admitting she could verify my legal name : XXXX XXXX XXXX FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 

15 USC 1681b [ C ] [ 3 ] ( 3 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Product: Debt collection

I was looking at my credit report on the XXXX of XXXX and I notice a collection account from NCA in the amount of {$1800.00}. I tried reaching out to this company by finding a phone number for them on XXXX. However, no one responded. I have not received a letter about this debt or even a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank is reporting a charge off, monthly, to all credit reporting agency 's ( XXXX, XXXX and XXXX ) This lowers my credit score every month and is hurting my ability to obtain a loan. The account was disputed and Synchrony Bank charged off the account. There is no other reason to report the account monthly to my credit report without a balance owed. This is just an unethical way that Synchrony Bank is doing to hurt my credit score. I have disputed this account in court and Synchrony Bank has not responded to the case in over a year. I called Synchrony Bank Spoke to XXXX XXXX and advised her of the problem and she could not do anything to help me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim XXXX XXXXXXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( XXXX  XXXX ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company 's and told him they were reporting fraud to my account my account is Frozen incorrect loans loans that I don't have no knowledge about
Product: Credit reporting or other personal consumer reports

1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed 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 pay-ment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in-curring an additional finance charge, such addi-tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

THESE ITEMS MUST BE REMOVED IMMEDITALEY un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX