23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me and were run without my knowledge or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX refuses to take off XXXX accounts that is damaging my credit. I am in the middle of looking for a place to live and this is delaying me from seeking a home
Product: Credit reporting or other personal consumer reports

I have noticed inaccurate information in my report. Despite several attempts to send my documents to the credit bureau, they continue to fail to acknowledge my identification. I believe this may be a stall tactic, and the bureau is refusing to comply with FCRA guidelines. 

I am demanding that the credit bureau acknowledge my documents and promptly remove all inaccurate information I have submitted to them. Their failure to act is a clear violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am a victim of fraud by XXXX XXXX XXXX, and I can not find anyone to help me. I do not nor never had an XXXX XXXX XXXX XXXX, I dont even know what you do. I have an XXXX XXXX XXXX, and I have a very good customer. I had charges from XXXX for months before I realized that was not charges from my regular spending on XXXX for cat food and toilet paper. It was charges from XXXX XXXX XXXX XXXX My Discover card has been useless, and XXXX customer service is even worse. I dont have an account from XXXX so no one can help me. I keep getting the run around for months. Discover Card can not get the information they need from XXXX so they will not dispute the charges. XXXX will not release the information about whos account these charges were on because of security reasons. I am stuck with these charges, and no one will help me. When I put a report into XXXX I think Im talking to a computer because its not intelligent information. 
{$2300.00} was charged to my account from XXXX  2023 to XXXX  2024. I have been fighting this for months. I finally reached someone from XXXX customer service that was from the united states and she gave me a list of the transaction ID numbers. Nothing came through on my Discover card but charges and the name XXXX XXXX XXXX XXXX When I finally was able to open a dispute with XXXX  they asked me to prove the transaction ID numbers, so I sent them the email document from XXXX They tell me I need to contact XXXX XXXX or provide me with the transaction ID which I did. 
CASE XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] I keep going around and around. Discover Card said the charges are valid because no one at XXXX will give them any details. Someone from XXXX XXXX told me that they are NOT my charges and were from another account, she can not give me the account information because it was not me, but said she sees its not related to me in any way and that charges are fraudulent but from XXXX so I need to work with your fraud team. XXXX fraud team says I dont have an account so I have to work with the retail department because that is the only account I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not mark this as a duplicate complaint as there are new concerns that must be addressed. The account I am speaking of is XXXX XXXX XXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account # XXXX. The law gives me the consumer the right to opt out under 12 CFR 1016.7 ( h ) which states that " A consumer may exercise the right to opt out at any time. '' 12 CFR 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. Regulation P which is the privacy of consumer financial information clearly outlines the fact that I as the consumer can opt of you reporting this account to my credit. I wrote to XXXX XXXX XXXX on XX/XX/XXXX with a notarized opt out letter as evidenced by tracking number XXXX. Which was received by them on XX/XX/XXXX the account was last reported on XX/XX/XXXX allowing over 9 business days for them to remove the account before it was reported again. The law states they comply with a consumer 's opt out direction as soon as reasonably practicable after they receive it. I do believe that 9 business days is more than reasonable. Not only that section 51 of the lease agreement is the severability clause which states If any provision of this lease contract is invalid or unenforceable under applicable law such provision shall be ineffective to the extent of such invalidity or unenforceability only without invalidating the rest of the agreement. This means it is made in accordance with the Law and the laws for reporting credit under permissible purposes ( 15 USC 1681b ) says that you must have written instructions from the consumer to report in the 1st place. This is supported by the privacy act of 1974 which states " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. XXXX has already removed the account because it was added unlawfully after previous CFPB complaints. Therefore it is impossible that XXXX and Experian are maintaining reasonable procedures and reporting accurate information which is a violation of 15 USC 1681e Compliance Procedures. The fact that one of the main reporting agencies has already removed the account is more than enough proof that my consumer rights were violated and continue to be. XXXX, Experian, and XXXX XXXX 's negligence in this matter has caused me serious harm as the consumer. Please remove the account as I have opted out in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I replied to a letter about lowering my mortgage and the guy asked to run my credit and I told him no. He told me it would be a soft check and I agreed. It was not a soft check and showed up on my report in XXXX 2017. I called numerous times until I was assured that it was being removed. It has still not been removed and I received assurances a second time after filing a complaint with the BBB. It is still not fixed and the person contacting me from the company will not respond to any of my corresponances.
Product: Credit reporting, credit repair services, or other personal consumer reports

this has been going on for way too long. i have filed many reports to the bureaus and have been in contact with the creditors. none of which resulted in anything getting done. there are falsely reported accounts on my credit from someone else and is really making my life inconvenient.
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. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My file keeps showing over time FCRA violations Late Payments : 15 USC XXXX XXXX 15 USC XXXX Permissible Purpose 15 USC XXXXb Reinsertion Deleted Item 15 USC XXXX Responsibilities of Furnishers 15 USC XXXX Accuracy 15 USC XXXX ( XXXX ) ( b ) and 15 USC XXXX XXXX 15 USC XXXX The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXX. XXXX XXXX Bank ; {$9300.00} ; Acct # ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talk to equifax on several occasions, for starting up dispute on my credit, and the furnisher no nothing about it, equifax put in a dispute with my student loans with out my permission dropping my score 8 points for no reason, i reach out to my student loans and they clueless with this dispute thats on my loan and equifax And they denial the fact of taking partake in dispute and i never disputed anything on my student loans and equifax dont wont to take responsible for dropping my score with the negative remarks on my student loans
Product: Credit reporting or other personal consumer reports

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

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

Bank of America reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at Bank of America XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of Bank of America XXXX of customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.
Product: Credit card or prepaid card

I have contacted PayPal Credit several times in regards to repeated fraudulent charges that were processed through my personal PayPal credit account. Monthly payments were being processed automatically till a certain point towards those charges PLUS interest that were deducted from my debit account that was on file. 

PayPal could not accurately identify the charges and made no efforts in resolving the issue. Once I declined to pay the charges, PayPal reported a late payment to all three credit bureaus which were later removed after my appeal to each of them. PayPal continues to mishandle the issue and has gone as far as disabling the account and bared all access from my end but still attempts to process monthly payments and also continues to allow for a monthly recurring charge for a XXXX account that I do not own. I've called PayPal on a monthly basis, at times made several calls but the issue continues to be ignored.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have rights to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) Setion states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information, other than records of conviction and crimes which antedates the report by 7 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 innacurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report 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. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after 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. 
Please remove the following items from my credit report immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 the months that I was late 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.
Product: Credit reporting

I have contacted Experian 3 times as well as XXXX XXXX about an unknown collection account that appeared on my credit that does not belong to me. Thus, far I have not received a response in this regard from Experian or the collection agency and it has been 2 months. However the account still remains on my credit. 
XXXX XXXX
Product: Credit card

Keeping up with timely payments has been a constant practice for this account, ensuring they are never past due. I'm perplexed by the presence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are necessary.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2024 - I attempted to log in to the Equifax website for the purpose of managing a credit freeze. I store my site password in a password manager so it's not mistyped. The site reported an incorrect password entry, and I attempted to use the " need help signing in '' link. The system took me to their recovery page where I entered the requested info to verify my identity. The system then reported " We are temporarily unable to complete this request. Please try again later ''. I made several attempts, and got the same error. So, I have no access to my Equifax file. I did a quick XXXX search for this problem, and came across numerous reports of the exact same issue I experienced, going back several years.
Product: Checking or savings account

I was a victim of identity theft from XX/XX/2022 to XX/XX/2022. During that time a lot of accounts were open with my credentials money was stolen from me from everywhere including retirement money bank accounts, XXXX XXXX, XXXX. Venmo, PayPal, etc.. 
PayPal is giving me a really hard time in returning what is mine I have provided two police reports, proof of my incarceration about 10 letters from other institution, showing they have returned my money and found me not guilty of anything, and theyre saying that my phone was used in authorized to do this fraudulent things, which not true when I turned myself to the courses I left my phone in my safe in my room at home.I was in XXXX I DID NOT authorize anything.. 
How can this be when I have provided proof of XXXX, police reports and letters, stating that none of this was my fault from other creditors, they are saying I have exhausted all their time and they wont reopen my case and this is unacceptable. 
I first opened this claim on XX/XX/2022, its been going on now for almost 7 months because of their unprofessional way of doing business, I have been on the phone more than 14 times spoken to so many supervisors that promise me it will be handle and to wait for an email and it doesnt My claim is XXXX
Product: Mortgage

I have filled out Modification paperwork two times first on XXXX. And again on XXXX. And as of today XXXX I have not received any response from the bank. I was defrauded by Fifth Third Bank. Contacted The OIG they opened a case File # XXXX on XXXX XXXX days later XXXX at XXXX the bank went to XXXX XXXX and Removed the lean from my property, However now they are 20 months later still NO solution delaying an answer for my modification making it more probable for the bank more fees charged and interest increasing the amount to the Bank. This is a Predatory Practice and Im asking for Help!
Product: Bank account or service

My wife ordered a beauty product called XXXX online and only ordered the product once. However this fraudulent company started sending more products without her permission and charging the account. We kept going to Regions bank disputing it. But they kept jacking us around saying they would resolve it. Never happened! So we paid the negative and closed the account. Even after the account was closed Regions bank continued to allow this fraudulent company to send charges to an account we closed. Then Regions bank keep sending us notices that we are in negative overdraft charges. Regions is doing this so that the account will go to collections and affect our credit and then it will force us to pay money we do n't owe. In 2015, Regions Bank had to pay consumers back XXXX XXXX dollars in fraudlent overdraft fees for ripping off its own customers. They will never allow any of your accounts to close even after you take out a your money and close the account it 's really not closed. I took my money today different bank but Regions bank is still keeping an old account open with no money in it and keep allowing XXXX to charge it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the companies several times to handle this particular matter. These items are causing my report to look bad and it is tough to get approved for apartments. Please help with this issue.