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

I, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : I, XXXX  : XXXX am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy. As living beings we do know and defend our unalienable rights at all points in time, and are willing to express those rights if need be.

15 USC 1681 ( a ) ( 1 ) ( 2 ( 3 ) ( 4 ) - Congress makes the following findings ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681a ( d ) ( 1 ) ( 2 ) ( A ) ( i ) - Exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information.

I have tried for several months to resolve the inaccuracies and non-disclosure information reporting on my consumer report without my consent. I am a victim of XXXX XXXX breach and XXXX has purposely ignored my complaint of inaccurate reporting with sending me computerized responses and continuously furnishing inaccurate information violating my rights to privacy and the FCRA. XXXX inaccurate reporting has caused me financial stress by defaming my financial reputation and slandering my character to utilize my credit.
Product: Debt collection

I was added as an authorized user to Chase credit card which appeared predatory for emergency purposes only. As per my recent credit report the account shows 1 30 day late, 1 60 day late and 3 90 days late from a period of XX/XX/XXXX to XX/XX/XXXX with a chargeoff balance of {$8000.00}. I was not aware account was being paid late by creditor and I want these late payments removed because this debt does not belong to me as well as I want this collection account deleted from all three credit bureaus remove my name as authorized user. I did not co-sign on this debt. This negative activity has impaired my credit and I need all negative information removed from the three credit bureaus.
Product: Credit card

I recently applied for a Bank of America travel rewards credit card since they were offering a promotion as per attached snapshot. I got approved and spoke to Bank of America support rep and to my dismay Bank of America web site is extremely misleading and specialized in wasting valuable customer time. I have been banking with BOA for last 20 years and my experience with BOA is getting poor to worst ever. 
A per BOA web site you get XXXX online bonus points after you make at least {$1000.00} in purchases in the first 90 days. Redeem your points toward travel purchases. As per customer support rep I spoke to this promotion applies only to retail purchases and BOA purposely exclude these disclosures in their web site as per link below. Also BOA did n't mention that travel bonus reward points will be awarded after 90 days of spending {$1000.00} in their web site which is misleading as well. I am planning to travel in XXXX and planning to spend {$1000.00} as soon as I received the card. Since these discolosures are not there in the BOA web site they should credit XXXX online bonus points as soon as I spend {$1000.00}. When I made this request from BOA supervisor she hangs up the phone and XXXX mins I spent on the phone with BOA is a waste of my time. 

Here is a link to BOA travel reward credit card and I have attached a snapshot as well. 
XXXX
Product: Checking or savings account

Issue 1. BofA allowed a XXXX transfer to be rerouted to another account in Kansas belonging to who knows. This was done by an individual adding my phone to their account which was done immediately prior to the transfer. Their ( BofA ) employees gave me the runaround until the time to file a claim ( which they would not allow me nor the sender to do, both are BofA clients ) had passed. Fraud told me they were aware of the problem. Had been for some time, and they are unable to do anything about it. ( Not even tell the customer. Cost me countless hours, a customer, and {$300.00} Issue 2 : fraud department made sure to place my card on high risk causing it to get locked repeatedly week after week causing me to go without food or beverage while working in the desert heat Issue 3 : Unauthorized loan placing XXXX in account which went mostly unnoticed and caused confusion as to why they did that. I believe they did so in just the manner to be able to collect the most fees from their clients. They are taking the XXXX back out and I m not paying it
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' 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 ( Section 616 & 617 ) if you fail to comply with Federal Law.

AS Consumer by law Disputed Items below should be Deleted in my credit report Immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I

n Accordance with the Fair Credit reporting Act. These companies have violated my rights : *15 usc 1681 secttion 602A States i have the right to privacy. *15 usc Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my
written instructions. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX and Macys. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$92.00}. The Account Opened is Macys Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXI have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

The debt collection company, called XXXX XXXX, has contacted at least one relative that I have not lived in the same household with since I was a teenager. This relative has nothing to do with this debt and the debt was incurred at least a decade after we ceased living in the same household.
Product: Credit reporting or other personal consumer reports

Equifax sends stall letters back rather then update the credit file. It's like they think I don't have better to do then write them letters to dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1988 SS # : XXXX To Whom It May Concern, I am writing to address inaccuracies in my credit profile that have recently come to my attention. I kindly request that you promptly remove the incorrect information from my credit profile within the next thirty days. Your cooperation in rectifying this matter is greatly appreciated. 

Below, I have outlined the inaccuracies pertaining to my personal information that are currently being reported. I request that you take immediate action to rectify these errors : Name and Aliases : My legal name is XXXX XXXX XXXX. I have no other names or aliases associated with me. Please ensure that no additional names or aliases are retained or reported on my credit profile. 

Address : My current and sole address is XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX. I have no other current addresses. Please remove any other addresses from my credit profile. 

Social Security Number : I want to emphasize that you are not authorized to report my full Social Security Number on my credit report or share it with any entities. Reporting my complete Social Security Number poses a significant security risk and exposes me to potential identity theft. I request the immediate deletion of any social security numbers that your company has reported on my credit report. 

Date of Birth : My accurate date of birth is XX/XX/1988. There are no other valid Dates of Birth associated with me. Please ensure that no other dates of birth are retained or reported. 

Telephone Numbers : I have no requisite telephone numbers that need to be retained or reported. Please delete any telephone numbers associated with my credit profile. 

Employment Information : There are no employers associated with my credit profile. I request the deletion of any employers that may have been erroneously reported. 

Spouses/Roommates/Co-applicants : I have no requisite spouses, roommates, or co-applicants linked to my credit profile. Please remove any such associations. 

I thank you in advance for your prompt attention to my requests. I am aware that you have a period of thirty days to address this matter. If I do not receive updates within that timeframe, I trust that the inaccuracies will be automatically removed. 

Upon the successful removal of the inaccurate information, I kindly request that you provide me with a complete and corrected credit report, reflecting the necessary changes. Please mail this report to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Thank you for your cooperation and assistance in resolving this matter. I look forward to the timely correction of my credit profile. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint with your company DIVERSIFIED XXXX this account number is reporting on my credit report as if I have a debt with your company. I am have been a victim of identity fraud I never had an account with your company nor was I notified that a outstanding balance was due on any account that I have opened. Please Validate the debt that your company is reporting to my credit report.Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law. 

Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX. 
Agreement bearing my signature where I promised to pay you or another creditor the alleged debt. 
The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of 1st delinquency and last payment date to original creditor, if any. 
Evidence your legal registration and bonding status for collecting debt in the State of CA.. 

I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX UNITED STATES DISTRICT COURT, XXXX, to name only one ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further. 

It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.
Product: Credit reporting or other personal consumer reports

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

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Checking or savings account

I closed my account a few months ago, when it was closed I asked that the secondary bank in the account be closed. Any refunds or deposits should be sent to me in the form of a check to my mailing address. 

My doctors office refunded me {$340.00} to them, they have yet to send me these funds. I have contacted them 3 times, the doctors office contacted them separately but to no avail.
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 USC1681. 
XXXX  Account # XXXX XXXX  XXXX, AArgon Agency XXXX, XXXX  XXXX. 

15 U.S.C1681 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.

15U.S.C 1681 c. ( 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 crime which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) A per 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information being reported includes a personal loan that was opened at XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX under the account number XXXX, as well as a collection account opened at XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX under the account number XXXX with a balance of {$33000.00}. These accounts have resulted in multiple fraudulent collections being reported on my consumer XXXX credit report. I have attached a copy of the consumer XXXX credit report which shows the aforementioned fraudulent items. I do not recognize the aforementioned loan or the collection account as reported. The aforementioned loan and collection accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned loan and collection accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer loan and collection accounts both are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report with Experian and I saw some hard inquiries that I do not recognize or have done business with. The following inquires : 1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXXXXXX XXXX 6 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On 08/2013 XXXX XXXX XXXX XXXXXXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account Per section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct.XX/XX/CBNA603532
Product: Money transfer, virtual currency, or money service

Hi, PayPal suddenly close my account without explanation and tell risk exposure as reason. Called to review and still no updates. Want to reopen the account.
Product: Credit reporting

Transunion is reporting XXXX XXXX mortgages as open and unpaid theese XXXX accounts have been paid in full ACCT # XXXX and ACCT # XXXX ATTACHED IS CONFIRMATION FROM XXXX XXXX XXXX
Product: Checking or savings account

Started back in XXXX I filed a dispute then another dispute XX/XX/XXXX then another XX/XX/XXXX for multiple unauthorized transactions with my debit card account to a merchant online to a XXXX. The merchant admitted that I dont have a account with them and admitted that the transactions were not made by myself and were fraudulent and unauthorized but Current bank refuses to refund me my money and is allowing XXXX  to keep my money that I never agreed to and didnt authorize the transactions to them.
Product: Credit reporting 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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 XXXX
Product: Student loan

This number keeps calling me about my prequalified status to change the qualifications for forgiveness or loan discharge. I have not made consistent payments for the last XXXX years so I do believe this is a scam. 

XX/XX/XXXX XXXX PM XXXX XXXX XXXX XXXX XXXX, left message for me to return call at XXXX XX/XX/XXXX XXXX AM XXXX XXXX XXXX left message for me to return call at XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX left message for me to return call at XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX left message for me to return call at XXXX
Product: Credit card

I received my credit card statement in XXXX and paid the amount in full, including interest charged. When I received my XXXX statement I was being charged a " residual interest '' amount of {$5.00}. Nothing else is due, only {$5.00}. I reached out to Chase about this and they were the one 's that informed me about the " residual interest '' is from XXXX not being paid in full, even though I paid in full my XXXX statement. I do n't know if what they are doing is right or legal. I am submitting payment because I do n't have Chase to ruin my credit.