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

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

Account Name : XXXXF Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights . Or 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

Effective XXXX XX/XX/2018 Citibank will charge {$25.00} a month just to have a checking account and {$2.00} for each withdrawal. I have had a checking account in good standing for over XXXX years. This is unjustified and will cause a financial burden for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 i requested that that the two collections on my credit reports be validated and i received no response what so ever. I have tried to dispute this with all three credit bureaus as well and they refuse to acknowledge my request. I have a right to know what is in my file and who provided it without my consent. Currently it is two collections on that is being reported by the name of ( XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} ). The second collection account that is being reported is by the name of ( Komyatte & Cabson P.C with a balance of {$8600.00} ). I also know that I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. Not one of these companies can provide me a signature stating that i authorized the provider to release my medical information to them and that is a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple accounts listed on my credit report that are inaccurate and unverifiable, stemming from the XXXX data breach. These accounts are not mine, and under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, they must be removed immediately.
Product: Debt collection

Someone called me from paramount recovery systems, they informed me that they were calling with the above stated business then they told me they need to verify my name and last XXXX numbers of my social security number. I told them I would not give them that information over the phone. They told me they could not give me any more information unless I verified this information. I hung up the phone at that time. Not once did he say he was calling to collect a debt. I did not know they were a debt collection agency until after the call, when I Google the name he gave me.
Product: Credit card

XXXX XXXX XXXX based in XXXX SC has been making charges on our credit card. We filed a dispute with credit card holder - USAA. Nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is incorrect information, it belongs to someone else. 

XXXX XXXX XXXX, Opened XXXX XXXX 2016
Product: Credit reporting or other personal consumer reports

CFPB This is new information to provide that the charge off recorded was applied after the settlement agreements. 
Subject : Submission of Additional Documents for Pending Complaint Regarding XXXX XXXX XXXX XXXX I am writing to submit additional documents related to my pending complaint regarding inaccuracies on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX  These accounts are inaccurately reported as charge-offs. Both accounts were settled, and the balances reflected are erroneous. Despite numerous attempts to resolve this issue, I have received responses from your organization that lack proper investigation and fail to address the specific facts of my case. 

Details of the Complaint : XXXXXXXX XXXX XXXX  Agreed to a settlement on XX/XX/year>, the same day the charge-off was incorrectly applied. 
This reflects negligence in accurately recording the settlement, as the account balance was resolved per the agreement. 

XXXX Account : Settled for a negotiated amount ; however, the charge-off status and balance have not been corrected to reflect the settled status. 
Concerns About Investigation Process : Your prior responses appear to rely on automated scripts or boilerplate language, failing to address the specifics of my complaint or the documents I have provided. Such actions not only fail to meet the requirements of the Fair Credit Reporting Act ( FCRA ), but they also demonstrate a lack of due diligence in investigating disputes. 

Legal Grounds for My Request : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum accuracy in consumer credit files.

15 U.S.C. 1681i ( a ) : Credit bureaus must conduct a reasonable reinvestigation of disputed information when notified of inaccuracies.

15 U.S.C. 1681s-2 ( a ) : Furnishers of information must report accurate data and correct any known inaccuracies. 
The inadequate responses I have received indicate a violation of these obligations, as the inaccurate information remains uncorrected despite clear evidence and multiple submissions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX 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 XXXX : XXXX Please remove it from my credit report. 


5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX  Account Number : XXXX Delete this account. 


8. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit card

XXXX XXXX sent me an alert about a hard inquiry on my credit report. It was a JPMCB credit card that I did not authorize. XX/XX/2024 I contacted JPMCP and let them know that it wasn't me and they canceled the application but I still have the hard inquiry on my report and today is XX/XX/ 2024. I would like this removed please and Thank you very much
Product: Credit card

You guys emailed me a secure link for me to up load proof of my dispute with XXXX XXXX. I now have proof of my leasing agreement. It looks like the link no long works. Please provide me a new link.
Product: Credit reporting or other personal consumer reports

I checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call lexis nexis about getting my consumer report they said they would send it out to me and it been about 3 weeks now and i still haven't received it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX I recently checked my credit report and noticed above named company reporting inaccurate information. I am a consumer person fully aware of my rights protected by the Congress under the Fair Credit Reporting Act.I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 the the account listed above.The provisions of 15 USC 1681 Section 602A guarantee my rights to privacy. Furthermore, 15 USC 1681 Section 604A Section 2 specifies that a consumer reporting agency cannof furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. I expect that this matter will be addressed promptly and the necessary actions will be taken to rectify the inaccuracies in my report.
Product: Money transfer, virtual currency, or money service

Last year there was more than one payment being made from my account to another party, in the amount of {$500.00} and I requested information on how this money was removed from my account and who it went to. The company was unable to tell me anything or return these missing funds to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

Hello, my consumer report has been experiencing multiple violations especially from Equifax. I have viewed my consumer report and I see seven added accounts that I do not give consent to be added onto my Equifax consumer report. In pursuant to 15usc1681b ( 2 ) I did not give written instructions from Equifax to furnish my consumer report to XXXX loan services and other nonaffiliated third party corporations. Since I did not give written instructions of consent, this is violating the laws congress has put in place. This is identity theft because my personal information is being shared by Equifax to third party financial institutions. I want like these XXXX XXXX loan services accounts deleted from my consumer report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate the account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below :XX/XX/XXXXXXXX Balance : {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX  , and  XX/XX/XXXX  to address this issue. The case number is :   XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I authorized a check with Bluebird by American Express for {$1000.00} that I mailed to my landlord for my rent payment for the month of XX/XX/XXXX.
On XX/XX/XXXX I received an email indicating that there was a stop payment that I never initiated or authorized..
Bluebird gave me a very nonsensical excuse about the handwriting on the check being illegible which is not correct since I have been authorizing checks for four years as a consumer with their product with no prior issues. In order to write a check on the Bluebird account one must have the funds pre-authorized in advance and which an authorization code is processed and my landlord had no problem depositing the check to her account. It took Bluebird by American Express almost 2 weeks to send me this type of notification that the funds were stopped which is very disturbing and is now costing me to be late on my rent and I will absorb a bunch of fees in the process for the financial penalties imposed by my landlord
Product: Money transfers

Used a phone at a CVS on XXXX and XXXX XXXX, XXXX XXXX, CA and it did n't work after XXXX times of trying. XXXX I put in all the info and was waiting to be transferred to a representative it would discount. I went to another location ( XXXX XXXX ) which was a few doors down from the CVS. The manager of the store said he could n't do it with the paperwork because he had already closed it even though the store was still open but told me I could use a Kiosk that XXXX had set up there XXXX XXXX XXXX. I told him I would need to ask XXXX a question before starting and he informed me there was a phone there at the kiosk that he was told worked XXXX. It did not. It had a recording that said Monday through Friday and I do n't remember the hours. At any rate, I was there on a Saturday evening ( XXXX XXXX, 2015 ). I used the kiosk, put in the money and waited for the opportunity to put in a security question as the receiver did n't have ID. It did n't give me the option of putting in a security question put took my money. It took me over three hours from starting at a few minutes before XXXX XXXX at the CVS and then phone call after phone call to remedy the problem until after XXXX which put it into XXXX XXXX, 2015 ( California time ). When I called XXXX and explained the situation and that if their phone was not available with a representative at the kiosk XXXX and no instructions on the machine especially indicating that if the receiver did not have ID you could not use the machine as it would not let you put in a security questions it took several hours and supervisors, etc. and continually calling back before a kind female representative listened to what was going on and said she would put the security question in. As you can see on the paperwork attached it was only a matter of my giving them all the information from the receipt with the Reference number for them to put the security question in so the receiver could get the money. I was continually told, even by supervisors they could n't do anything because I used the kiosk. THEN THE KOSK SHOUILD HAVE INSTRUCTIONS AS TO WHAT IT CAN OR CAN NOT DO BEFORE A SENDER USES IT. And if not, then it is the responsibility of XXXX to make it right. If the rep I spoke to did n't finally take care of it for me so my son could get his money ( a day late and he needed it for food since he wallet was stolen ) I would have been out the {$25.00} and then had to send again a day later more money to my son. THIS IS NOT RIGHT!!! Their phones should be continually checked so that they are always working and the kiosk should have instructions before a sender uses it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified 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? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available 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. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is my final warning. I am currently working with a law firm to sue the three reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 4th time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this. 

Also, the company is reporting false information on my credit report such as not reporting Choice Recovery but the alleged Doctors office " XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) and XXXX  XXXX XXXX XXXX XXXX  with acct numbers : XXXX - {$47.00} and XXXX - {$48.00} I called the number on my credit report and its listed XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I asked XXXX, Experian and XXXX to verify two accounts ( XXXX XXXX and XXXX ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for XXXX and the XXXX   account remained the same. 

I then responded on XX/XX/XXXX to XXXX, Experian and XXXX because XXXX was still reporting inaccurately with three different months for the same late payment. XXXX reported XX/XX/XXXX, Experian listed XX/XX/XXXX and XXXX reported XX/XX/XXXX. XXXX  has since removed the late payment, however, it remains on Experian and XXXX. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX account still reporting inaccurately with different dates of last activity. XXXX has it listed as XX/XX/XXXX, Experian has it listed as XX/XX/XXXX and XXXX has it listed as XX/XX/XXXX Again, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian and XX/XX/XXXX for XXXX which is inaccurate.