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

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX XXXX ) XXXX XXXX Account # XXXX ) has violated my rights! Also i want these inquiries removed from my report that were not authorized ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and o feel my rights are being taken advantage of. 


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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

on XX/XX/18 we used care credit card for hospital stay in the amount of {$1500.00}. It was unclear to us at the time how their promotional terms of no interest would be charged to other existing care credit charges. This promotion precedes other interest free dates, so when making payments to our care credit, instead of all amounts going to charges with the earliest promotional date expiration 's, a fixed portion {$67.00} was paid to the XX/XX/18 charge. Thus, previous calculations to pay off prior promotion rates to avoid interest were jeopardized and we found ourselves behind schedule before we caught the fact that we would need to essentially pay two payments for one credit card. Misleading and I believe they hope it is to confusing for people who are having some type of medical or pet issue at the time of use for this card, to notice. Care credit is not as transparent about their multiple contracts and how each contract differs in so called interest free promotions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX  Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS LHMDODGERA Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Debt collection

My credit report lists a delinquent account past due. 
This delinquent account is mentioned by the debt collection company -- I C SYSTEMS COLLECTIONS For the entity -- XXXX XXXX Its address listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family Address ID : XXXX Report number : XXXX XX/XX/2019 Amount XXXX Account number XXXX I, XXXX XXXX, have never procured anything from XXXX XXXX. I have never ever lived in state of XXXX never lived at the above address. 
I have tried to contact the XXXX credit reporting companies as to why they report this on my Credit Report and have not received any answer from the XXXX companies, XXXX XXXX XXXX XXXX XXXX I tried contacting the I C SYSTEMS COLLECTIONS and did not get any response. 
Can you please help me sort this issue from my credit report. This has impacted my credit score and my financial history negatively. 
Thanks XXXX
Product: Money transfer, virtual currency, or money service

A week and a half ago, I went to deposit {$2400.00} of my personal money to my banks ATM. The ATM machine took my funds but did NOT deposit it into my account. The ATM didnt give a recieot either. The teller, XXXX XXXX, said she would contact me with an update, regardless of the outcome. A week passes, she never does. I had to physically return to PNC looking for her just for her to say my dispute was denied, she doesnt know why, theyll be sending me a letter. 
I feel she lacks integrity for the job. And PNC as a whole is just a huge scam to me at this point
Product: Credit reporting or other personal consumer reports

Please review my report. I noticed the bureaus are not cooperating with my request for the deletion of inaccurate information on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing a different account status on different accounts
Product: Credit reporting or other personal consumer reports

someone who probably has my personal information applied to get credit cards causing some inquires on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau, I am filing this complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their mishandling of my identity theft dispute. Despite providing Experian with my FTC Identity Theft Report, along with supporting documentation, they have refused to block fraudulent accounts or remove inaccurate information as required under Section 605B of the FCRA.

Experian has violated my rights under several provisions of the FCRA, including : 1. Failure to Provide a Method of Verification : Under Section 611 ( a ) ( 6 ) ( B ) ( iii ), Experian is required to provide the method of verification used to certify the accuracy of disputed accounts. Despite my requests, Experian has failed to supply this information. 

2. Failure to Conduct a Reasonable Investigation : Experian is obligated under Section 611 ( a ) ( 1 ) ( A ) to conduct a thorough and reasonable investigation of disputed items. However, they have relied on superficial processes and boilerplate responses, which mirror the allegations in the CFPBs XX/XX/XXXX, lawsuit against Experian for conducting sham investigations. 

3. Failure to Block Fraudulent Accounts : Experian has refused to block fraudulent accounts listed in my FTC Identity Theft Report, as required under Section 605B ( b ) of the FCRA, even after I submitted a clear and legible hard copy of the report with the FTC report number via U.S. Mail. 

The following fraudulent accounts remain on my Experian credit report : XXXX XXXX Bankruptcy XXXX XX/XX/XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experians actions have caused significant harm to my creditworthiness, and their refusal to provide the requested method of verification raises serious questions about the accuracy and integrity of their dispute resolution process. Furthermore, the fraudulent accounts are reported inconsistently across credit bureaus, yet Experian continues to certify them as accurate without proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America makes it impossible to work with them when you are a victim of identity theft. I am not a customer of Bank of America but someone tried to apply for credit in my name with Bank of America. I tried to call them to get the inquiry removed from my credit report but they were of no help. I spoke to XXXX XXXX ID : XXXX who was of zero help. It also took me multiple attempts to get to a representative at Bank of America because they would only patch me through if I was a customer. I had to put in some random numbers which finally got me to XXXX who again was of zero help.
Product: Credit reporting or other personal consumer reports

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2800.00} XXXX XXXXXXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received a credit alert from XXXX regarding a credit card account opened under my name with capital one on XXXX-2022. I contacted capital one at XXXX they assured me that there is no account under my name or social security number. However, I found that someone opened an account and added me as an authorized user without my permission, without my knowledge. capital one never got my permission to add me as an authorized user, they never contacted me or got my consent to be an authorized user. they checked my credit report without legitimate reason they also posted it on my report and denied that I have an account under my name.
Product: Checking or savings account

On XXXX I reported fraudulent activity on my account, over 10 transactions were made in various amounts totaling over {$2000.00}. Since reporting this activity I have experienced numerous strange phone calls, messages, and emails from Wells Fargo concerning appointments made at branches located in other states where I do not reside in. These appointments were for account management activities that I did not request. I have received payment confirmation emails/booking emails for rental vehicles using my personal information, however, the name on the documents is not mine. My address, phone, etc information is mostly correct, clearly someone has obtained my personal information and has used it. I have spoken to Wells Fargo numerous times concerning this, each time I get what seems like a script message, no details on the status of my dispute, Ive spoken to several departments including the claims department and yet havent received any true results let alone felt like this is being handled properly. My account is currently overdrawn, no provisional credit has been issued, Im at a loss for what I should do next. Wells Fargo doesnt seem interested in the evidence I have collected on my end. Im shut out in the dark.
Product: Debt collection

Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter.

1. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated.

2. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law.

3. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to.

4. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations.

Requested Resolution : 1. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report.

2. Please provide me with a purchase agreement verifying the accuracy and legality of the information in question, as required by federal law.

3. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter.

Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies.

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute.

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

I sent in a copy of my police report to Experian detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police report.
Product: Credit reporting or other personal consumer reports

This has been an on going thing, they couldnt provide method of verification also was deleted in XXXX XXXX XXXX and not its still showing up falsifying info
Product: Credit card or prepaid card

My personal identifiable information was leaked and compromised in late XX/XX/2023. On XX/XX/2023, I received an email for an order placed with XXXX for my Old Navy Barclays credit card. 

I immediately noted that there were unauthorized transactions on my Old Navy Barclay account including one for {$1300.00} ( there was another transaction on the same day, XX/XX/XXXX that was to same vendor and over {$1000.00} that they blocked but they let the XXXX go through ). I disputed the charge with Barclay and sent them information and my dispute has been denied 3 times. The rationale is that the merchant has matching information to my identify. I have let them know that it will match because my information was stolen, and they would not have been able to purchase on my card if they did not have matching information. 

I have a receipt that includes the email where the XXXX tickets went to ( not mine ) and filed a police report. I don't think Barclay is being fair and currently that charge is still on my account. This may be potential UDAAP and Reg Z issues. 

Can the CFPB please assist me in resolving this matter? 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXXXXXX Balance {$110.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my XXXX  credit report XXXX XXXX over a year ago. I disputed that the payment history wasn't being reported correctly because there was a few months missing that wasn't reported being paid. XXXX  said the account was verified so the account remained the same. I was comparing my XXXX and XXXX  report on my XXXX XXXX   account and i notice that XXXX is showing that this account was Charged Off but XXXX  has this account showing as Paid Charge off. So when i saw this inaccuracy i decided to dispute this with XXXX  on line but XXXX   wont let me dispute this account again when i try i get the following message. " For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. '' so when i call the number i just get put on hold for over an hour. Then i get hung up on. So today im asking XXXX  to let me start a new dispute investigation with XXXX XXXX. I also have proof verifying this inaccuracy.
Product: Credit reporting or other personal consumer reports

Subject : Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal - Legal Violations Regarding Consumer Profile I hope this NOTICE finds you well. I am writing to address a matter of utmost significance regarding the improper use of my consumer profile, leading to potential discrimination from other collection agencies based on inaccurate credit reporting. It is crucial that [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] rectifies these issues promptly in accordance with applicable laws and regulations. 

The foundational principle, Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal, deeply embedded in legal doctrine, serves as the bedrock for addressing the violation at hand. Title 15, Section 1692c ( 15 U.S.C. 1692c ) of the United States Code establishes explicit limitations on communication in connection with debt collection. These limitations prohibit debt collectors from communicating about a consumers debt to third parties unless under specific circumstances, such as with the consumers consent or for the purpose of locating the consumer.

In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions.

The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ Companys Name ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation.