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

Demand for Immediate Deletion of Inaccurate Account Account Name : XXXX XXXX XXXX XXXX XXXX Card Account Number : XXXX I am demanding the immediate deletion of the above-referenced account from my credit file due to multiple reporting discrepancies that violate the Fair Credit Reporting Act ( FCRA 15 U.S.C 1681 ). The information reported by Equifax and TransUnion is inconsistent, inaccurate, and unverifiable, making this account invalid under FCRA 1681i ( a ) ( 5 ) ( A ).

Discrepancies Between Equifax and TransUnion Reports : 1. Different Account Names : Equifax reports the account as XXXX XXXX XXXX XXXX 
TransUnion reports it as XXXX XXXX. 
2. Different Last Payment Dates : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Different Balance Update Dates : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX It is illegal under FCRA 1681s-2 ( a ) to update an account inaccurately, especially after it has been charged off. 
4. Payment History Reporting Issues : Equifax : Reports charge-offs for multiple months. 
TransUnion : No payment history displayed, making the status inconsistent and unverifiable. 
5. Status Update Date Manipulation : Both bureaus list the status update as XXXX XXXX, despite no recent activity.

This is a clear attempt to re-age the account, which violates FCRA 1681c ( a ) ( 4 ) and FCRA 1681s-2 ( a ) ( 1 ) ( A ), as charge-off accounts can not have their dates manipulated to remain longer on a credit report.

These discrepancies violate FCRA 1681e ( b ), which requires only accurate and verifiable information to be reported. Since the bureaus can not even agree on the basic details of this account, the information is clearly unreliable and must be deleted immediately under FCRA 1681i ( a ) ( 5 ) ( A ). 

I am not requesting an investigationI am demanding immediate deletion of this account from my credit report. If this request is not honored, I will escalate my complaint to the Federal Trade Commission ( FTC ), and potentially pursue legal action for noncompliance with the FCRA. 

Failure to comply with federal reporting laws may result in legal action against the credit bureaus and the data furnisher for willful noncompliance under FCRA 1681n, entitling me to statutory damages, actual damages, and attorney fees. 

Please provide written confirmation of deletion within 30 days, as required by law.
Product: Money transfer, virtual currency, or money service

I have been regularly buying cryptocurrency with my credit card on coinbase.com, and it has been labeled as a credit card transaction and going through as such. Unexpectedly and without any notice, it began showing up as a cash advance, hitting me with huge fees from my bank ( XXXX XXXX ). Coinbase sent out an email days after the change, only because there has been significant backlash. They still are not changing to have these purchases coded as regular purchases ( since cryptocurrency is considered property by the government ). Coinbase denies it is their fault and blames the bank, and XXXX XXXX blames Coinbase and refuses to refund any fees/interest/hit on my credit card score. Millions of everyday customers are getting ripped off by a change made that was unnanounced, and we have no recourse.
Product: Credit reporting or other personal consumer reports

Back in XXXX, I noticed I had 16 charges from XXXX  on my XXXX XXXX XXXX that I did not authorize. Once I saw this, I contacted XXXX XXXX and mentioned that I had fraud on my account. at this time, they put a credit on my account for the full amount of the fraud however, XXXX also noticed the fraud and added a credit to my account. Once this occurred XXXX XXXX took away the account credit they had sent me and around the same time, XXXX took away the credit as well. The 2 organizations believed the other had taken care of me already and none had. This left my account in the negative and from there I have been going back and forth with XXXX XXXX to get this resolved however every time they credit my account the next day they pull the funds back out again. I have a police report now for this incident because I am unsure what I can do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to verify an account in collections by Resurgent Capital Services directly and through the Credit bureaus. In XX/XX/XXXX and XX/XX/2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that XXXX is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original creditor?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of my 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 These accounts has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. And according to 15 USC 1681 eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I decided to purchase few homes in the state of California and before I do that I had purchased a brand-new set of my credit report from XXXX that got me so disappointed to find out that I am a victim of identity theft. Apparently, someone is unknown to me had somehow found my personal information changed my address and phone number and got themselves a credit card from XXXX XXXX. Since I am not aware of this account the account got charged off or for about {$200.00}. And if you look at my credit report all my credit cards limit are above {$10000.00} - {$20000.00} credit limit with outstanding payment history for over 20 years. And I requested Elan Financial services to XXXX ) Close this account and remove from credit report agencies because it is a fraud account. XXXX ) I did police report see attached. XXXX ) I did identity theft report copy attached XXXX ) I requested XXXX XXXX to give me investigation report and XXXX XXXX refused to do that, XXXX ) XXXX XXXX refused to give me Physical address in the State of California and Registered Agent in the State of California and the tel number to sue Elan Financial Services in XXXX XXXX California and XXXX XXXX refused to do that and that is illegal reporting on me to credit agencies and XXXX XXXX is obstructing justice for now allowing me to sue them in the State of California. I demand XXXX XXXX to be forced to give me the physical address and California and registered agent in California and the tel number in California to allow me to sue them for destroying my life. Elan Financial Services is hiding illegally with po box address in outside California to prevent to be sued for reporting this illegal fraud report on my credit report.
Product: Credit reporting

Experian is falsely reporting XXXX dismissed bankruptcies and a XXXX. Disputed with bureau all items came back verified. Contacted the court and the told me they never verify to any 3rd party lenders. Nobody has called or wrote to there office. XXXX was disputed by Experian came back verified, contacted XXXX Directly and was told that they do n't even have all the documents from the very beginning of the credit card. So I 'm very interested in how they report.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated or deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 at XXXX I made a purchase at the XXXX XXXX XXXXXXXX Connecticut for {$4.00} in about XXXX something it was on authorized transactions being made for my card in XXXX Connecticut for a total amount of {$1800.00} I explain to chain that Im in XXXX Connecticut Im at work I sent him a screenshot of my timesheet and I also sent him a screenshot of me playing in XXXX And or text about do I authorize the transactions and I replied no they denied my claim five times with very short investigations where I dont feel that they did the proper investigation they shouldve because it was clearly fraud. They wouldve seen that. thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to the XXXX XXXX informing them that I would like them to cease and desist the reporting of my non public private information to the credit reporting agencies. On XXXX I recieved a response stating that they are REQUIRED to report my private information to the ( CRA 's ). There is no such law stating that ANYTHING has to be reported to any ( CRA ) in fact 15 usc 1681a s ( 2 ) ( i ) states in the construction of a consumer report excluded should be '' information solely as to transactions or experiences between the consumer and the person making the report ; ''. Furthermore according to case law XXXX its determined that ( CRA 's ) are so intertwined with the banking system that they are considered financial institutions and governed by the gram leach bliley act under this act for two financial institutions to share information they are to provide me a privacy notice and an option to opt out of the sharing of that information. upon calling the number to speak with a " knowledgeable account manager XXXX from Delaware '' she informed me that there was no such option to opt out and that company policy requires the policy and the only way I could speak to the legal department was if I was a lawyer my self. this company is both liable for willful and negligent noncompliance. 

" 15 U.S. Code 6802 B optout ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX  balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged XXXX to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to file a complaint against Allied Collection Services for violating my consumer rights, as protected by the Consumer Financial Protection Allied Collection Services has not provided validation information under 12 CFR 1006 .34 ( b ) ( 5 ) but yet they went ahead and placed a collection on my consumer report. 

Furthermore they are violating my consumer rights by using false, misleading, misrepresenting, and deceptive means. 
They have no right and authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and therefore they are clearly in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681- S2 ( 7 ) ( A ). 

XXXX XXXX XXXX have not given me a chance to dispute the account in respect to 12CFR 1006.34 ( c ) ( 4 ) ( I ).
Product: Credit reporting or other personal consumer reports

I'm receiving calls soliciting " hardship '' payment modification for sba covid loans. My credit information should not be shared with anyone as it is not accurate. Stop all credit monitoring services. I will never do any business with an American bank for as long as I live and so I don't want them stalking me and lying to people telling them i'm not making payments or im experiencing " hardship. '' If anyone is experiencing " hardship '' is it XXXX. They stole my collateral, arrested their own guy and are putting on a show trial to pretend they are not bankrupt. I want Transunion to say, " we don't collect credit information on that individual '', if anyone asks. And that is it. Everything else is an invasion of my privacy that I have not consented to, and it is aiding and abetting ongoing criminal activity within major banks and the federal government.
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are related to identity theft. These items are not related to any transactions completed by me. These hard inquiries listed from : 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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We called Bank of America on XX/XX/2023 after receiving a letter about unauthorized escrow payments to insurance company ( s ) that we did not authorize. 
We cancelled a policy with XXXX XXXX on or between XX/XX/2023 and XX/XX/2023 ( My husband has the email ). verbally and via email.. 
I we also informed XXXX XXXX that we cancelled and secured other home and auto insurance. 

We spoke with Bank of America, which is our mortgage payment servicer, today XX/XX/2023 We did not authorize XXXX XXXX to renew our policy as BoA ( Bank of America ) informed me that this change of insurance, from XXXX of XXXX, which we changed on XX/XX/2023 for our home and auto policy, was placed in effect on XX/XX/2023 and was also made retroactive back until XX/XX/2023 after XXXX XXXX contacted Bank of America to make these changes. 

Bank of America also stated that this policy was activated XX/XX/2023 and they sent a payout to your offices on XX/XX/2023. 
We did NOT authorize Bank of America nor XXXX XXXX to make these changes nor did we renew our insurance policy with XXXX XXXX. 
Our policy with XXXX of XXXX  has been in force for our home and auto insurance since XX/XX/2023. 

Upon speaking with the Bank of America Representative, XXXX, she did acknowledge that the XXXX policy was in effect on XX/XX/2023. 
She said Bank of America made the change and removed our XXXX XXXX on XX/XX/2023 and they placed XXXX on the home insurance policy on that same day without our authorization. 
The Bank of America representative ( XXXX XXXX also said that our mortgage payment would be increased to cover the policy that XXXX had placed in force, without our consent or authorization. 

XXXX also said the call that we/my husband had with her today was recorded and the recording item number is XXXX. 

She also stated that their was no information that she or Bank of America could send to me or my husband the the recording number is all I could get. 

She admitted the changes to the policy were made and that she could find no authorization from me or my husband XXXX that we authorized these changes. 

The remedy for this is that XXXX XXXX and Bank of America need to reimburse me and my wife XXXX for this fraudulent transaction, breech of contract and credit and insurance fraud that occurred without our express verbal or written authorization to continue this policy which should have been cancelled XX/XX/2023 - XX/XX/2023, as we did not pay XXXX XXXX for coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

These issues are with 2 of the 3 major credit reporting agencies XXXX, and Experian. Each month for the past 18 months I have disputed 3 medical collection accounts on my credit reports. I have asked them to verify that these are in fact my accounts which are not. I keep getting a generic electronic statement stating the accounts have been verified. But by what means? I have requested to know who they spoke to, producing any signatures of mine, as well as any contracts, as well as what these medical charges are for. It has been very frustrating for me in the fact that these are the only derogatory items on my reports. Previously upon request, XXXX  removed them from my report. I have had no success with XXXX  and Experian. The collection agency is : XXXX XXXX XXXX XXXX  The amounts are : {$1500.00} {$1000.00} {$1300.00} I can produce correspondence if needed as I currently don't have the ability to upload documents. Any assistance regarding this would be appreciated as I would like to apply for a home mortgage in the next 90 days. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter of release from XXXX cable company when I made the payment in full. I have tried several times to contact experian credit bureau to make sure that XXXX cable company was removed from my credit report. Experian credit bureau is still reporting this on my report. The account was paid in full last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified Equifax regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following company Inquiries : XXXX XXXX  XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. I requested copies of documentation associated with these accounts bearing my signature, in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that Equifax maintain under my Social Security number. I have not receive copies of documentation associated with these accounts bearing my signature, they continue to report negatively on my credit report. I sent a follow-up certified letter to Equifax regarding this matter but they still failed to provide documentation bearing my signature. This has been a nightmare, as of XXXX I have filed a Identity Theft report with the FTC report and carry this report everywhere I go. Also, I am having issues with XXXX   removing inaccurate reporting on my credit report company XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have ongoing complaint and investigation filed with BBB.
Product: Checking or savings account

XXXX bank BofA and XXXX XXXX XXXX XXXX are not crediting account!! 

XXXX. Needs credited. 
All charges to XXXX also and food for less. 
XXXXXXXX XXXX XXXX XXXXXXXX. Was Was stolen in XXXX 
And XXXX. To XXXX XXXX XXXX told me to take XXXX  to court. 

XXXX company charges need credited too. Please!! 
And all XXXX charges need credited!! 
They are all fraud claims. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Number sorry.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I regularly review my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a technical issue, but the inaccurate accounts remained. Because of this, I request a thorough review of the documents I have submitted so that I no longer have to worry about this problem.