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

I have sent several letters to Transunion, XXXX, and XXXX on XXXX2024, XXXX/2024, and XXXX2024 advising that the hard inquiries as well as other accounts on my credit report were false and or incorrect. I have been affected by several global data breaches and simply never authorized any of the hard inquiries on may credit report as well as the presence of illegal collection accounts on my credit report. Each reporting agency has not provided proof of the validity of these accounts in the legal time frame provided. As a result, they are in direct violation of Section 604 of the Fair Credit Reporting Act ( 15 USC 1681 ).

As a result, these items that are negatively affecting my credit should be removed. I have request that each agency verify the accuracy of the information contained in my credit report, especially the legitimacy of the data or the entities that have accessed my credit information and that has not been done in a timely manner.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights. 

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: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card closed account balance shows {$340.00} open XX/XX/year>. This account has never been late and the credit reporting agencies has duty to make sure information is accurate. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a credit report is a violation. I demand that LATE PAYMENTS be removed from credit reporting agencies because it is also illegal to extend the statute of limitations by reporting 60 days repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped over 100 points for no reason. I called transunion and they even said there were no negative factors in my account that could effect my score so drastically. They could offer no explanation and kept asking me for information on the transunion credit score website that didnt exist. When I told them the info they were asking for wasnt on the webpage, they just said they couldnt assist me unless I gave them that info. But it didnt exist. I looked while I was on the phone with transunion, then looked again and called back to be told the same thing. I believe they have inaccurately lowered my score, and nobody will help me when I call, they just want to know what negative factors were posted for the reason my score dropped. But there was no reasons given. There have been no changes on my credit score except one recent inquiry. When I look at my transunion report it shows my score changed, but on the graph it doesnt show a change. Please help, transunion has just ruined my credit while I was trying to buy a house and since it dropped so drastically it could take years to get it back up. Please please please help me.
Product: Debt collection

National Credit Systems # XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX, XXXX ) reports that " ORIGINAL CREDITOR '' = XXXX XXXX XXXX, turned over a {$3000.00} amount on XX/XX/2015. 

I NEVER LIVED AT THE XXXX XXXX XXXX. I want this account removed from all my credit reports immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX has violated my rights. 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. I want the CFPB to publish this description on consumerfinance.gov so that others can learn
Product: Debt collection

There is a collection account for XXXX XXXX  on my reports, and 2 separate collection firms have marked onto credit reports. 

They are I.q. data international for 2 amounts totaling {$10000.00} Also XXXX XXXX XXXX  is marking for same debt at {$11000.00} Neither firm has submitted proof of the debt owing, nor have they responded to requests showing an itemized list or pictures. And none of the credit bureau have removed collection as required by the FDCPA. 

I am appealing to you to have this removed immediately. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, specifically regarding the alleged serious delinquency, public records, and collection accounts attributed to me. These inaccuracies violate several federal laws, including but not limited to : 15 U.S.C. 1611 : Limitations on consumer credit reports.

15 U.S.C. 1681 : Fair Credit Reporting Act provisions.

15 U.S.C. 1691 & 12 CFR 1002 : Equal Credit Opportunity Act.

15 U.S.C. 1692c : Restrictions on communication.

15 U.S.C. 1602 : Definitions relating to credit reporting.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1692f : Unfair practices in debt collection.

15 U.S.C. 1635 : Right of rescission. 
I demand that these inaccuracies be investigated and corrected within XXXX hours of this letter. If these items are not removed or corrected in accordance with the Fair Credit Reporting Act, I will pursue legal action to protect my rights and seek damages for any harm caused by this inaccurate information. 

Attorney in Fact I am writing to formally dispute the inaccurate information on my credit report, specifically regarding the alleged serious delinquency, public records, and collection accounts attributed to me. These inaccuracies violate several federal laws, including but not limited to : 15 U.S.C. 1611 : Limitations on consumer credit reports. 
15 U.S.C. 1681 : Fair Credit Reporting Act provisions.

15 U.S.C. 1691 & 12 CFR 1002 : Equal Credit Opportunity Act.

15 U.S.C. 1692c : Restrictions on communication.

15 U.S.C. 1602 : Definitions relating to credit reporting.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1692f : Unfair practices in debt collection.

15 U.S.C. 1635 : Right of rescission.

I demand that these inaccuracies be investigated and corrected within 72 hours of this letter. If these items are not removed or corrected in accordance with the Fair Credit Reporting Act, I will pursue legal action to protect my rights and seek damages for any harm caused by this inaccurate information. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed a few months ago there was an inquiry to my credit by XXXX XXXX. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with XXXX XXXX and Equifax. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX, I submitted to XXXX, XXXX and Equifax a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.
Product: Credit card or prepaid card

In XXXX the Care Credit company upgraded my card to a XXXX. I did n't have a balance on the card at that time but used it that month. When the bill came I accidentally paid the old card. They were very helpful and took the past due amount off and explained that the old card should have been closed and funds applied to new card. In XXXX I got 2 bills, one for each card and it showed I owed XXXX on old card so I paid it and XXXX on new card. This month I get 2 bills again stating that I am past due on the old card but the new card shows both the payments I sent. They insist that my bank returned the money and that it was n't paid. After over an hour and 5 different people they agreed to waive the interest charge, move the money from new card to old to make it a XXXX balance. They did take the fees off but never moved the money. If I pay the card I know that the money will be transferred to new card and we will start this battle again. Now I am emailing back and forth and they are once again telling me the charge was rejected by the bank. Worst case of customer service I have ever had. The bill is due in 2 days so I guess I will pay it again but this should n't have been such a big hassle. It clearly shows on my new account two payments so why ca n't they just fix it.
Product: Credit reporting or other personal consumer reports

On this date XX/XX/XXXX The Credit bureaus stated Accounts ( XXXX XXXX XXXX Account Number : XXXX ) ( XXXX XXXX Account number : XXXX ( XXXX Account number : XXXX ) were properly investigated but how is that possible if the status updated reported is inaccurate, the balanced updated is inaccurate, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, last payment inaccurate with different dates being reported ( Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX No information being reported. Also this account was in good standing XX/XX/XXXX but not reported on Experian nor XXXX. Also this account was reporting charge off from XX/XX/XXXX to XX/XX/XXXX as if the account is still open and also reporting charge off for different dates on XXXX from XX/XX/XXXX and XX/XX/XXXX which false information. This is ground for removal. This law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my report. 
Also none of these accounts are being reported or accurate across EXPERIAN nor XXXX. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts IMMEDIATELY. 

Experian Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account number : XXXX XXXX Account Name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information may have been leaked by the Equifax cybersecurity incident on XX/XX/XXXX ( https : //www.equifaxsecurity2017.comXXXX ) which was reported to the public on XX/XX/XXXX. Their website confirms that my information may be have been compromised ( https : //www.equifaxsecurity2017.comXXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX has Violate My right to Privacy. They have violate the PHIUnder HIPAARules. PHI is health informationinany form, including physical records, electronic records, or spoken information. Therefore, PHI includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law. 

According to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( A ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting my medical information.
Product: Credit reporting or other personal consumer reports

I found that the removed items was very few. And this complaint was one of my many attempts just to fix my credit record and history. As you can see there were still a lot of fraudulent items present in my credit reports. Please as per FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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. But until now only few items were removed so please help me remove these items from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX -EXPERIAN 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 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
Product: Checking or savings account

On XX/XX/21 as a 20+ year customer of the First Technology Federal Credit Union I went to the " XXXX XXXX XXXX '' at XXXX Urban Plaza, # XXXX, XXXX XXXX WA XXXX to request my card to be re-pinned. Both the employee in the lobby and the branch manager stunningly asked me to exit the premises on the grounds that my face was not covered. I informed the branch manager of medical exemption laws and those that prohibit unlawful discrimination. The bank manager even proposed conducting the re-pinning in the public area outside! I informed him that what he proposed was preposterous since it would be highly insecure to share private banking information there. 

Does the CFPB support banking institutions which put unlawful roadblocks in the way of customers who want access to their capital?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights. 

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
Product: Checking or savings account

Two separate accounts opened with Wells Fargo. 

One in XX/XX/2021 and one in XX/XX/2021. 

One is checking and the other is a retirement account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im demanding for the following unauthorized fraudulent accounts be removed. These accounts are NOT mines and have caused me alot of pain, fighting to restore your identity is a cancer in itself. I've requested proof of these accounts via physical documentation never once did i receive any type of documentation. If these accounts can not be physical verified and delivered to me via certified mail then they shall be removed and blocked from my credit file. Please remove the following accounts. 

1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX {$3200.00} 6. XXXX XXXX Cu 7. XXXX XXXX 8. XXXX XXXX Cu {$4200.00}
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX and XXXX of XXXX, My self and my daughter were hospitalized with complications from XXXX for weeks. I was unable to work and unable to make payments on my credit card due to loss of income for reasons beyond my control. Since then I have asked for the late payment to be removed from my credit report out of good faith and have been continually ignored. I have provided XXXX with proof of my and my daughter 's health records and they continue to ignore and decline my request for a good faith removal of the only two late payments in 2 years. It has severely effected my ability to purchase a home for myself and daughter.
Product: Money transfer, virtual currency, or money service

I provided an invoice to a consulting client, XXXX, from my company, XXXX XXXX, XXXX. for XXXX consulting services. The total amount was {$5000.00}. The invoice was paid on XX/XX/2023. 

My account with XXXX XXXX XXXX was then closed, the money was locked, and all support workflows are closed to customers with closed accounts. I submitted documentation - including XXXX formation docs, invoice, contract between XXXX and myself, and email confirmation of the payment from the customer 's team. The account was then closed immediately and all money locked, with no additional appeals possible. 

I have tried to refund the payment to XXXX, which can't be done, and I am unable to transfer to cash out either.
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX XXXX any consent, any permissible purpose, nor did I give them any permission to share my information with a XXXX company such CRA 's. I have a right to privacy pursuant 15 USC 1681, 1692, and 6801. My private information such as my personal loan and banking information should remain private and not shared with a non affiliated XXXX party company that has no affiliation with XXXX XXXX XXXX. This company shared and reported my private information without my consent which by law falls is aggerated ID theft. I did not get consent or permission for this company to share my non public personal information nor furnish anything on my consumer report. This company has an obligation to protect the consumers privacy and non public personal information. 15 USC 6802 states this company is not obligated to disclose any non public information to a 3rd party non affiliated company unless they provide the consumer with a notice that complies with sec 6803.
Product: Debt collection

THIS COMPANY HARASSED ME. IVE ASKED THEM MULTIPLE TIMES TO REMOVE ME OFF THERE CALLER LIST AND I DO NOT OWN THIS DEBT AND NOT FAMILIAR WITH THE COMPANY. I PROVIDED THEM DOCUMENTS. I KEEP GETTING HARASSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been victim of identity theft and charge for transactions that I didnt made