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

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX XXXX TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2022 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit card or prepaid card

Description of Complaint : I completely successfully completed both the credit builder loan and the secured credit card program I closed the accounts and was told the refund wiould be delayed untill all pending transactions were completed and all fees and money owed would be deducted from my refunded amount from the loan to pay off both the programs credit card included and thats is what happened then the sent me the remaining funds and told me very clearly I was paid in full no more action needed and I CLOSED and CANCELED that card then I do have the corresponding emails from self to prove this also I was at balance of {$0.00} on this card with no pending transactions or fees. I later several months later I discovered card is still open they have been reporting no payments late pays on my report on an account I never missed or was late with a spotless payment history they told me they charges some kind of interest in a XXXX balance after the card should have been closed and are still reporting neg and refuse my several attempts to have this corrected. I demand they completely remove this false debt and every single payment or late payment from all my credit files and close accounts in good standing on the date it was actually done so they are refusing to comply I have the emails to prove it Im considering legal action against them if they dont comply -- also a complaint with fcra will be filed why would i personally request accounts and card closed after a spotless couple years record of payments with them then wait fort them to close evrerything out to not pay the last so called payment why do i have email proof of closing these accounts yet i find the account is syill open why if that were true has account not been charged off XXXX closed by the time frame required by law? its deliberately left open to continue to harm my credit isint that a criminal charge as well? ive disputed this with the XXXX major reorting agencies with documented proff yet they lie to the XXXX and no recourse?? 

Desired Settlement : Correction to a credit report
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This is my second 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 XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX XXXX Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a account with XXXX  XXXX and they never let me knew they were going to release my information to chex systems. Which a violation of the XXXX XXXX XXXX XXXX  the never disclose to me that they information was going to be disclose. Asking could they show were I agreed to have my information released.
Product: Prepaid card

FIRST I received my deposit late then the next day my account showed a XXXX balance had no money to pay my bills or get to work which inconvenient me that my insurance was cancelled lights off days off work so messed up
Product: Credit reporting or other personal consumer reports

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 I am writing to request that XXXX XXXX and remove specific fraudulent accounts from my credit report as provided under 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft connected to the recent data breach, which has resulted in unauthorized accounts being opened in my name. 
The accounts I am requesting to be blocked and deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have included copies of my identity theft report, identification documents, and any other relevant supporting materials to assist in processing this request. 
I appreciate your prompt attention to this matter and look forward to confirmation of the removal of these fraudulent accounts. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft.. I am a victim of the XXXX XXXX breach i have submitted documents to show some of the damages I am currently facing and there's more so I request 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO.

5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Debt collection

Someone got my information and opened up this account Ive been trying for years to dispute this account with no help from the creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15 IT STATES THAT ALL may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I fell behind on my federal student loan as a co-signer. The servicer of the loan is Navient. All they offered me was forbearance. That was it. No income-based repayment. All of this transaction was recorded by Navient. I agreed to forbearance thinking that was my only option. What should I do to rectify this situation? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX violated my rights. 

15 U.S.C 1681 SECTION 602 [ A ] i have the right to privacy.

15 U.S.C 1681 SECTION 604 [ A ] it also states a consumer reporting agency can not furnish an account without the permission or written instructions of the consumer.
Product: Checking or savings account

On XX/XX/XXXX i was contacted by XXXX that i had over XXXX in transactions in less than 10 minutes. I informed them that i was not at XXXX buying gift cards. I then checked my other accounts and noticed pending XXXX transactions in the amounts of XXXX up to XXXX. I called and filled a report with XXXX who refunded me and locked out my accounts. I then called Wellsfargo and reported it as well. They said it would take up to 10 business days to resolve. I checked back numerous times to hear that they were still working on it. The XXXX day i received a letter stating that they found no evidence of fraud.I then filled a complaint stating that i did not approve of those transactions and do not know the people who took it. I asked for how they came to the decision and the service rep said a letter would be mailed to me but she is not allowed to tell me the process. I received the letter a few days later to see that Wellsfargo stated that they found no evidence of fraud and that whoever did the transaction had to be someone i gave my username to. I am reporting Wellsfargo for not taking the proper steps in investigating my account. I provided them a screenshot of XXXX returning my funds from the fraud. I informed them that no one is authorized to use my account but me. I let them know that i had recently purchased a new phone with a new sim card and that someone may have gotten my information from that. The fraud amounts and dates are as follow : XXXX {$100.00} a second one for {$400.00} to the same person. Then on XX/XX/2020 another transaction of {$500.00} was made using my XXXX, I also informed Wellsfargo that i have never made a XXXX transaction in the entirety of my banking with them. The XXXX transactions only had emails as a form of contact which i have no relationship to these people. I would like Wellsfargo to do their do-diligence in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Chexsystems, Has responded 2 different times and every time they do not address my complaint. 
I am hoping this time they will addressed the specific complaint and only complaint is that check systems breaks the law and that law is FCRA section 605B. 
That law specifically talks about the CRA which is what chexsystems is. 
Once I provide 4 items to chexsystems or any CRA, they must block within 4 business days no later than 4 business days the items that I identify as fraudulent and not mine and a result of identity theft. 
Chexsystems adds things to the 4 the law names very clearly. The law states verbatim : 1. Adequate proof of my identity 2. A copy of the identity theft report 3. That the consumer identifies the fraudulent items in the file 4. A statement that the consumer did not cause the fraudulent accounts or items to be opened. 
That is it that is what the law requires nothing more and nothing less. 
Chexsystems takes it upon themselves over the past several years, To add such things like the identity theft report is too old. Or that the identity theft report must contain the fraudulent accounts in it. Or that the identity theft report must be signed by a law officer. 
Congress does not have any of these things as a requirement and so check systems breaks the law by requiring them because they do not fulfill the law until after their requirements are met. 
There are no reasons or excuses chex systems can add that gives them any valid or legal reason to break the law of not blocking with them 4 business days. 
Stop this from happening.
Product: Debt collection

A Victoria Secret account was opened with my information.

I sent letters, spoke with multiple agents and nothing changed the status.

I was harassed to admit that this account was my account and it is not.

Victoria Secret has not only harassed me, but caused severe anxiety and has also made it hard for me to purchase anything because of this delinquent account that has reported for 23 months. I have NEVER opened an account with Victoria secret
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen. i just check my credit and i notice accounts that i did not Authorize. this fraud needs to stop and Companies need to confirm Theses Accounts that is being open using other people information how did this Happen i did not give any consent to these Accounts
Product: Debt collection

As of XX/XX/XXXX, I have received XXXX separate debt collection attempts regarding an alleged debt with LVNV Funding LLC, despite my repeated requests for validation and cease-and-desist notices in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

These collection attempts have been made by XXXX third-party debt collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Action Taken : I requested validation of the debt and cessation of collection activity. XXXX XXXX did not respond and made no further attempts. 

XXXX XXXX XXXXXXXX attempt on XX/XX/XXXX Action Taken : I requested validation of the debt and cessation of collection activity. XXXX XXXX acknowledged my dispute and confirmed collection was paused. 

XXXX XXXX XXXX XXXX collection attempts ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX ) First Request for Validation : XX/XX/XXXX No acknowledgment received. 
Further XXXX XXXX : XX/XX/XXXX I sent a second cease-and-desist notice, referencing my prior request. 
Continued Collection Attempts : Despite my repeated dispute and request for validation, Resurgent ignored my requests and proceeded with XXXX additional collection attempts on XX/XX/XXXX, XXXX, and XXXX, XXXX. 

Legal Violations & Request for Action Under the FDCPA ( 15 U.S.C. 1692g ), a debt collector must provide verification of a disputed debt and must cease collection efforts until verification is provided. Resurgent has repeatedly violated these provisions by continuing collection attempts while failing to validate the alleged debt. 

I request that the CFPB intervene to investigate Resurgents conduct, enforce compliance with the FDCPA, and hold them accountable for : Failure to validate the debt upon request. 
Continuing collection attempts despite an active dispute. 
Ignoring cease-and-desist requests. 

This ongoing harassment has caused undue stress and has forced me to defend myself against unverified claims. I appreciate the CFPBs assistance in ensuring Resurgent adheres to federal regulations governing debt collection practices.
Product: Debt collection

This debt does not belong to me and is a result of identity theft. I do not know who this company is. This company is reporting on my credit report. I have submitted an identity theft report and they still have not removed the account from my credit report.
Product: Credit card

I have paid balance in full and it still shows Derogatory instead of paid.
Product: Debt collection

The company XXXX XXXX XXXX XXXX showed up on a property report search on my property for the amount of {$4900.00} recorded XX/XX/2013. From my credit union XXXX XXXX XXXX. Lein Type Judment Docket number XXXX. I '' ve asked them to show me why I own this and they said i need to fiqure it out with the county, XXXX County wear it was file from. I told them they requested the lein they should know why?. They blew me off and wouldn't help me. I don't owe them anything. It doesn't show up on my credit bureau. Just my the property search. After doing some research wily a friend in this field they must of done this by name not buy social security number of the person who owes this debt. In still a problem for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS PROVEN TO ME THAT THE CONSUMER IS ALWAYS WRONG, even when they provide evidence to the dispute. The reason EQUIFAX SIDES WITH THE BUSINESS BECAUSE THEY DONT WANT TO LOSE A PAYING CUSTOMER, THE CONSUMER DOESNT MATTER ONLY THE BUSINESS. EQUIFAX DOESNT EVEN PROVIDE A COPY OF THE BUSINESS RESPONSE, THEY JUST SAY THE BUSINESS ARE CORRECT REGARDLESS OF THE EVIDENCE PRESENTED IN THE DISPUTE BY THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 when I submitted a dispute letter for those inaccurate and unknown accounts. over 30 days now haven't received a response. I was a victim of the Equifax Data breach. I want all those unknown and inaccurate accounts must be delete from my credit report or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX  account was properly investigated, but how is that possible if the Creditor Remarks state that the card was lost or stolen. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

This collection is not mines. At this time I had car insurance with another insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX that is reporting negatively on my credit report and it is the fault of the bank and not me so therefore it should be removed from my credit report. The problem here is that, I had went to the bank and told them that I had to have a XXXX XXXX XXXX XXXX  XXXX and I would be hospitalized for sometime so they told me to write them a letter and they would put the payments on hold until I could resume the payments. The bank never did what the had promised to do and went on to report the missed payments on my credit report, although I had given them the name of the loan officer ( XXXX XXXX ) who had advised me of the process that I must follow. After trying many times to get the bank manager, Mr XXXX XXXX to update the account to what it should be, I am now asking the credit report agencies to delete this derogatory item from my credit report. The bank manager, the XXXX, XXXX XXXX has refused to honor the banks agreement and told me via telephone conversation that if he fixed it, he would be reporting false information and would be in violation of the fair credit reporting act. So, it is very clear that this XXXX XXXX bank manager has no problem screwing up a customer credit, even though they were sick and helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates are showing open. The original creditor ( 11 XXXX ) is over ten years old. This debt collector ( Diversified Consultants ) is using revolving debt practices against me. Also, it's only being reported on XXXX  credit Agency. XXXX  credit Agency removed this about account years ago because of resetting the legal clock tactics.