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

XXXX XXXX XXXX/XXXX XXXX XXXX is appearing on my credit report wrongfully duplicated under two different account numbers.acct no XXXX and acct no XXXX are medical collection accts.Additionally, I had government insurance at the time of service.Thirdly, at the time of service, I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These collection accounts are wrongfully appearing on my experian and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

XXXX, iL and XXXX XXXX addresses on my credit report isn't mine. I didn't live there at all. I want them to be deleted. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I sent out the dispute letters to all 3 major bureaus on XX/XX/XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions. ( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can 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 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says : XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Date last active : [ XXXX says : XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Balance : {$200.00} Status : Closed I believe this information is inaccurate because the dates ect., each bureau is showing are ifferent. Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Date last active : [ XXXX says : XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Balance : {$890.00} Status : Closed I believe this information is inaccurate because the dates etc., each bureau is showing are different. I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says : XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Date last active : Balance : {$530.00} Status : Closed I believe this information is inaccurate because the dates, etc. each bureau is showing are different. And according to 15 USC 1681 ( a ) ( 2 ) : ALL LATE PAYMENTS ARE ILLEGAL TO BE REPORTED ON MY REPORT!! I demand that ALL LATE PAYMENT TRANSACTIONS BE REMOVED FROM MY CONSUMER REPORT. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, unauthorized or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance *Original contract
Product: Checking or savings account

After opening and deposting funds into a savings account, they have locked my account. I am unable to access funds. I am unable to provide dates since I can not access any account information. 
I have called and spoken with 2 different individuals on 2 different occassions, both saying someone would call me back to rectify the situation. No one has ever called me back. 
Also, hold times to access someone are extensive. One time I held for over an hour before giving up. 
I even tried transferring funds into another account and a few days later they pulled it back. 
I'm not sure what is going on and they won't fix and say they don't know.
Product: Credit reporting or other personal consumer reports

While reviewing my recent credit file, I discovered an incorrect collection account and an unauthorized inquiry. I do not recognize the collection account and did not authorize the inquiry. Please investigate and correct these errors.
Product: Credit card

XXXX Paid every minimum payment on time and in full most of the times over. XXXX XXXX payments on time Had a balance of {$1400.00} I use {$1200.00} of that balance and my account shows Im in the negative. ( Screenshots Taken ) I cant make any more payments with the card. I get a little frustrated but dont think much of it at the time. This goes on for months I finally call the customer support. They have a quick solution of raising my balance to fix the issue. Issue still somehow happens even with the raised balance even up to now. Fast forward I make a payment using the wrong card go to call the number the SAME day and get stuck in a loop on the customer service line where the only thing the bot would read off was the balance and multiple payments and wouldnt connect to customer service agent after multiple minutes and calls. ( Multiple screenshots taken ) A few days later my account is closed. Flat out closed. I call customer service again they say I cant even re open my account due to the payment I tried to cancel. Again I have not missed a single payment EVER and have had this account for YEARS now. Why isnt there a button to cancel a payment? How am I punished for still trying the right thing and on top of it I get charged for it anyway? Even though the minimum was already met? What is going on here? I feel like I have just been scammed. If anyone knows a lawyer I feel I have a solid case to be looked at.
Product: Credit reporting or other personal consumer reports

I have been disputing the same items with this agency but they are not complying with the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my credit score was XXXX. XXXX  XXXX removed XXXX off my credit and XXXX  removed XXXX. These are still showing up on my credit report. I have correspondence from all 3 credit bureaus where they responded to me over the last year to my mailing address so XXXX. XXXX XXXX XXXX, Fl XXXX. Now they are stating they can not verify my identity as a reason to have not responded to my consumer disputes. That is at minimum unethical. The most prevalent dispute submitted was XXXX, which was submitted several times did not garner a response at all, moreover within 30 days. I asserted my FCRA rights to no avail.
Product: Credit card

XX/XX/23 I purchased 4 tickets to a concert totaling {$2800.00}. I received all 4 tickets. As a feature on their website the buyer can send the tickets to the other attendees in advance. I followed the process online to transfer electronically send the tickets to the other 2 attendees. That process was successful. After a few weeks 2 attendees were not able to attend the concert. I immediatly notified XXXX XXXX and asked what my options were. They said I could request the 2 tickets to be electronically returned to me and that I could sell the tickets on their website. The 2 parties completed the transfer and they no longer had access to the tickets. I tried to retrieve the tickets and the option to retrieve the tickets was " dithered out '' not highlighted and I could not reclaim the tickets. These calls went on with XXXX XXXX for months leading up until the concert. The vendor admitted they knew I did not have access to the tickets and all the agents said they did NOT know how to " fix it. '' I spoke with countless agents and chatted online seeking assistance to resolve this issue. I asked for a supervisor/manager and was repeatedly told they had no manager/supervisor. Essentially I was charged for 2 tickets that XXXX XXXX XXXX system could not return to me ( the buyer ) to use or sell. Because of XXXX XXXX inability to deliver the goods I still am being billed for the tickets they could not deliver. Eventually I was told by multiple agents XXXX XXXX does not give refunds for any reasons including their own systems error. I tried to resolve this issue with XXXX XXXX and Citi Bank Resolution Department. Citi Bank informed me they could not " make the vendor returned my money '' but graciously placed {$100.00} credit on my account. I did submitted everything Citi Bank required to resolved this situation and was told the vendor does not issue refunds. Although refunds should be issued by the vendor when they can not deliver said goods such as these tickets I paid.
Product: Credit reporting or other personal consumer reports

I have noticed multiple accounts on my credit report that I do not recognize. It seems that my identity may have been stolen, as I never authorized these accounts. I previously reported this issue, and I am now requesting their immediate removal. These unauthorized accounts are causing me considerable distress, as they do not accurately represent my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are severely affecting my ability to achieve key financial goals, such as buying a home and providing for my family. I urge you to address this issue as soon as possible.
Product: Checking or savings account

@ Merrill Lynch, through my pervious XXXX XXXX, I have a Non-Qualified Deferred Compensation Plan. On XX/XX/XXXX, I along with all others who have this plan lost access to our Account. Access to this account was lost for over ~2 months. Every time I called Merrill Lynch, we were told that they were having issues a third party that maintains the system for them. This money in this account ( I have large amount in it ) is invested in securities that move with market. So for well over 2 months, I did not know where I stood with my account. The company said, they could give me my balance, but to request details I needed to submit a request. Finally after waiting XXXX weeks, I requested a detailed report showing my account balance and how my valuation was changing with the market. I never received this report. Then just recently on XX/XX/XXXX I receive a report saying the XXXX party maintaining this system for Merrill Lynch had a data breach and that my account along with all others could have been compromised. The letter along with the approach taken by Merrill leads me to believe that Merrill is distancing themselves from their accountability and their fiduciary responsibilities. This is one of the most egregious problems I've seen and actions by a financial company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I frequently check my credit report and noticed the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has ruined me and held me back for quite some time time. Im demanding CFPB to enforce the correction of these items.
Product: Student loan

Good day, I am getting calls and emails from Navient which is my loan servicer. They want me to pay my loan and they have stated that I have not made a payment in almost 90 days. I am the understanding that my loans were in hold due to the government. They also just reported my loans late to all credit reporting companies. I feel that they're taking aventage of persons and they want parents when payments are frozen.
Product: Mortgage

On XX/XX/<YYYY> I got in touch with the Loss Mitigation department from LoanCare where they were asking for my XXXX COMPLETED SIGNED AND DATED BY ALL to be signed and completed by all. This was part of the requirement in addition to the XXXX that I submitted. I followed up with Loss Mitigation on XX/XX/2016 via email and voicemail, but havent heard back from them. I called them today as well and am still waiting to hear back on where we are with the form. I placed a call but get disconnected when I enter my information or try to login to my account online to schedule a payment. It is almost a month since I heard from them regarding this form and would like an update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint in light of the negligent actions of the credit bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. 
In XXXX my personal and financial information was exposed as part of the widely-publicized Equifax data breach. Like many other unsuspecting Americans, I entrusted Equifax with my private data, believing that they would safeguard it diligently. This exposure left me vulnerable, a fact I became painfully aware of when I began to notice suspicious entries on my credit report. 
In my efforts to address these concerns, I sought the help of a credit repair agency. Tragically, this endeavor only deepened my troubles. Unbeknownst to me at the time of engagement, this agency was a fraudulent entity, aiming to exploit individuals like myself. As a result, they not only failed to repair my credit but utilized my already compromised information to open several unauthorized accounts, exacerbating the damage to my credit standing. 
I have made numerous attempts to have these fraudulent accounts removed. 
Despite taking these necessary actions, the response from the credit bureaus has been disheartening. They have either dismissed my claims or provided only generic responses that do not address the core issue. 
The emotional and financial strain this situation has placed upon me is immeasurable. Not only am I constantly anxious about further financial violations, but my ability to undertake basic financial activities, such as securing loans or applying for housing, has been severely compromised. 
The lack of accountability and urgency from the credit bureaus in correcting their records stands in stark contrast to the trust consumers are expected to place in them. I, and many others, depend on these agencies to maintain an accurate reflection of our financial history. Their current approach not only damages individual lives but also undermines the very essence of trust in our financial system. 
I hope the CFPB will recognize the severity of my predicament and take swift action. It's essential not just for my peace of mind but for the larger message it sends about the importance of consumer rights and the responsibilities of credit reporting agencies. I am hopeful that with the intervention of the CFPB, I can finally find a resolution and move forward.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX COLLECTION AGENCY ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have repeatedly disputed the accounts XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00}, XXXX XXXX Date Opened : XXXX  Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, yet your bureau continues to report them as verified. I have even gone above and beyond by contacting the furnishers of this information directly, as the FCRA provides, and they have failed to respond or provide any proof of the disputed accounts. Your lack of response is unacceptable and I am demanding that you immediately delete this inaccurate and unverifiable information from my consumer file. I have already sent multiple letters and have received no response. Your failure to comply with the FCRA can result in legal action against your company. I have already done everything in my power to resolve this issue, and yet the information still remains on my credit report. I will not allow your company 's negligence to continue to harm my credit score and financial well-being. I demand that you take immediate action and delete the disputed accounts from my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.