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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Checking or savings account

Haven't received funds from closed account going on ( XXXX ) months now. Chase bank closed my business account without notice and held funds past the legal holding time.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to XXXX and Experian XX/XX/XXXX of 2022 about XXXX accounts on their reports to validate and to update my personal information Back in XX/XX/year> in which the XXXX accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The XXXX accounts are now showing back up on my credit as open and active. Im very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX  XXXX Account # XXXX charge off date XX/XX/year> XXXX  Partial Account # XXXX charge off date XX/XX/year> XXXX  Appliances partial account # XXXX Charge off date XX/XX/year> However I wasnt notified of the status being updated from being charged off to being active again. The accounts were removed and they are now showing on my credit. In addition, I did not give XXXX or Experian permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Refer to Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I request Physical Verification of this debt that was report to my credit by XXXX, XXXX and TransUnion. I got the same respond back they investigate is and a physical and the court report this true and accurate. I send the same letter to the bankruptcy and there finding was they never report that information to my credit report at all. I have attached the letter from Bankruptcy Court. The information that XXXX, XXXX and TransUnion say had been verifiable was not even report by the court. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. 

Violation ( s ) : Reporting agencies give inaccurate financial information about you. 
Agencies fail to follow guidelines for handling disputes. 
Reporting agencies providing information to unauthorized persons or businesses. 

Please remove this from my credit report because is a clear violation of fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This message serves as a follow-up to my initial complaint dated XX/XX/XXXX. I am submitting to bring to your attention the issue of erroneous reporting that I have experienced. Attached, you will find my identity theft report. As per FCRA Section 605B, Credit Reporting Agencies are obligated to remove any items mentioned in an identity theft report, with reference number XXXX. The enclosed documents should assist in correcting the inaccurate personal details and inquiries on my report. The following items were fraudulently opened without my consent : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), these items must be removed from a consumer 's file within 4 business days upon receipt of the identity theft report.
Product: Debt collection

I have sent information to both the creditor & credit bureau regarding this violation. XXXX XXXX XXXX has violated my HIPAA rights. I have never consented with the above collector on any terms to access my personal medical records. I have notified the reporting bureau on several occasions about this situation. XXXX XXXX XXXX did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I used my DEBIT card on line as a CREDIT to my account. I purchased what was supposed to be ongoing services with the site but the site has locked me out of my account. I disputed many of the charges I made, some outside of normal time limits but many within the time limits. The response from my bank was simply that because I authorized it they could not do anything for me. They would NOT DO ANY of the disputes. I had tried several time to reason with them but they told me they could not afford to lose the money. I thought that since I did not use a pin number it was handled just like a credit card and had some protection. Now they do not even respond to me. They have been provided with my documentation
Product: Credit card

I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit. 

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

I wrote a letter to the Dept of education and to aidvantage about why they have my loan information on my credit and consumer reports without my written consent. At the time of applying and accepting the loan for college courses I was NOT notified about this showing up on my report nor was this made clear to me this would occur. They violated the law and do NOT have permissible purpose to share this information to the consumer reporting agencies. I've requested for the proof of permissible purpose given and they could NOT provide and with each letter I sent them they wrote back saying there wasn't enough information provided which doesn't make sense.
Product: Payday loan, title loan, or personal loan

I signed a {$85000.00} loan agreement for solar panels installed by XXXX XXXX in XX/XX/2021. The panels were installed in XX/XX/2021 and we have had problems with them since they were installed. XXXX XXXX has now closed its doors, not allowing us any avenue to fix the issue with the solar panels. I believe XXXX XXXX knowingly installed these panels that do not work properly and do not live up to what were told would happen. We havent received any state or federal rebates, which was a big incentive. In fact XXXX XXXX was suspended from being an approved solar panel provider for the state of Illinois for over a year, even though we have been trying to get our application for the state rebate. I believe there is enough evidence to prove we signed the loan under fraudulent circumstances and therefore should be allowed to terminate the loan with no penalty. XXXX  can come pick up the solar panels, which are considered collateral.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a signed contract from XXXX ( XXXX ) for services I would provide, in part paid for with a {$1000.00} non-refundable deposit. I sent an invoice through PayPal for that deposit, the invoice clearly stating it was non-refundable. That invoice was paid through PayPal on XX/XX/XXXX. Two days later, with no reason given, I was texted the words that the contract was null and void, and the money was going to be demanded back. Shortly after, I received a message from PayPal that I owe them {$1000.00} and a {$15.00} dollar fee. I contacted PayPal, they provided the information that the payment was made through a charge card with XXXX XXXX bank. I disputed the charge-back, providing objective evidence of the non-refundable nature of the deposit. I tried to resolve this with PayPal, they said it is an external issue with XXXX XXXX. XXXX XXXX says it is an issue with PayPal. Neither has any interest in resolving this. In the meantime, PayPal has threatened to send the information to a collection company. No lawyer will take on a big lawsuit for {$1000.00}. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. recently checked my report and seen XXXX credit cards along with numerous inquires which is hindering me from getting a vehicle. This is a result of identity theft and would like these accounts and inquires removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times with the credit bureaus asking for method of how they claimed to have verified these accounts for they are not mine. However all I can ever seem to get from the credit bureaus is what appears as a template letter just saying was verified. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ACCOUNTS : XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I have been trying to remove some inaccurate information from my credit report and both XXXX XXXX and Experian are refusing to investigate or correct the things on my credit report. They just sent these emails stating they do not think my dispute letters are coming from me. I am using template dispute letters from the CFPB website and from XXXX. I'm also reading online that the credit reporting agencies do this to everyone who sends disputes to avoid correcting the inaccurate information. THIS IS AGAINST THE LAW! The CFPB website states they have to investigate and respond within 30 days. Hopefully by filing this complaint the CFPB will investigate XXXX XXXX and Experian and hold them accountable for violating my consumer rights protected by XXXX XXXX.
Product: Checking or savings account

Citi bank sent a letter in XX/XX/2020 stating that my account was closing do to a fraudulent activity, stating that a check would be issued for the balance. 30 to 60 days. I have called every week since then, and no one can give me an answer to where my money is. I got my last statement on XXXX In that statement it said that this is my last statement the account is closed. It is now XXXX and still no answers or money. I have no where else to turn
Product: Credit card or prepaid card

I received a marketing call in XXXX of 2019 seeking an application for an American Express Gold card and the main selling feature was that I would receive 4x reward points on purchases in the category I spend the most in each month. I have received 4 monthly statements and have only received 1x rewards points in each month. I have called customer service each month regarding this issue. In the first month the representative was able to manually credit my account for the extra 3x rewards points. each consecutive month I have called I have been told this is a known programming issue and they are " fixing it. '' I am concerned that this will never be fixed and I have already spent a lot of time on hold and with customer service trying to get this resolved. To date I am short approximately 60,000-70,000 points which has a value of between $ XXXX- {$900.00} and this is continuing to climb with each purchase I make.
Product: Credit card

I opened a SoFi XXXX credit card due to its balance transfer benefits. On XX/XX/XXXX, when I attempted to complete a balance transfer online, I received an error message. I then tried using the app and encountered the same issue : " Invalid account information We couldn't verify the card information you previously entered. Go back to double-check your information and try again. '' Using the chat feature on the website, I filed a ticket ( XXXX ) to resolve the issue. On XX/XX/XXXX, I called customer service at XXXX for an update and was informed that XXXX does not accept balance transfers from XXXX XXXX XXXX XXXX. I expressed that this restriction was not disclosed when I opened the credit card and received the balance transfer offer. I requested that the issue be escalated to a manager and formally submitted as a complaint.

I believe it is misleading to advertise a service while imposing undisclosed restrictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. 

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNTS ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE DEBT AS BEING MINE AND VALID. I ALSO WOULD LIKE TO KNOW THE METHOD USED TO VALIDATE THE DEBTS. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED.- XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX, XXXX ( XXXX XXXX ) XXXX  ( XXXX XXXX ). PLEASE REMOVE THE FOLLOWING NAMES, ADDRESSES, PHONE NUMBERS AND ANY OTHER VARIATIONS YOU HAVE THAT MAY NOT BE LISTED ON THIS DOCUMENT. REFER TO ATTACHMENT 1. 

MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX , MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX , MI XXXX, XXXX XXXX XXXX XXXX XXXX , MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX, MY PHONE NUBER IS- ( XXXX ) XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.
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.

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is reporting incorrect information to my credit report. 
- Last Reported dates are different on report -Comments are not complete -Date last active are different -Two year payment history are incomplete