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

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

I last went to XXXX XXXX over two years ago ONLY for an XXXX  in which they told me my insurance covered it and I was good to go. Months later they called saying I owed {$40.00} in which I called and asked what they were talking about, they said it was a mistake on their end and removed the amount. I do not know why I am being charged {$96.00}. This was never brought to my attention.
Product: Credit card or prepaid card

On XX/XX/2020, I complainted to Blackhawk Network about a {$100.00} Matercard prepaid card that could not be used in-store or on-line. Blackhawk 's representative agreed to replace the card by mailing me a new {$100.00} card within 10 business days. 

on XX/XX/2020, after waiting for the replacment card for more than a month, I contacted Blackhawk again, and again was told that another replacement card would be mailed to me within 10 business days. 

Until now ( XX/XX/2020 ), after more than 3 weeks from the 2nd request, I still have not received replacement card from Blackhawk.
Product: Credit reporting or other personal consumer reports

This is my fourth 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, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : 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 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 XXXX XXXX
Product: Money transfer, virtual currency, or money service

Not assisting with getting money transferred to or from.
Product: Credit reporting or other personal consumer reports

It is very alarming that these companies have been able to pull up my credit report without my consent nor authorization, my very rights as a consumer is being violated just like that, it is extremely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting wrong names and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my Deletion letter from XXXX XXXX to the Credit bureaus and they refuse to take the Bankruptcy off my credit report. I sent them the letter from XXXX XXXX because they had no way of proving the Bankruptcy was valid because the courts don't verify and XXXX XXXX deleted it from their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. Recently, I observed that there have been late payments reported on my credit card account. After reviewing my records and statement, I believe there might be an error or misunderstanding regarding this late payment. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 
XXXX XXXX XXXX XXXX -This account was NEVER late. The late payments are erroneous. This payment was made on time. I am requesting that the late payment marking be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. I value my relationship with XXXX XXXX XXXX and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b. Equifax needs to remove the account from my file. 

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

GFPB WRITTEnUPo : You In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the The right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Product: Bank account or service

Discover Bank changed the interest rate on my IRA CD from without informing me of a change. I noticed this online when checking my account. Account XXXX. This account was added as a replacement account XXXX due to prior mistake made by Discover Bank. I called the bank to complain on Friday,XX/XX/2015, and spoke to XXXX. I informed her of prior documentation and case information but she was unable to make the correction and advised me that she would follow up with me but I have not received any other communication from Discover Bank. This is unacceptable. 

XXXX from Discover Bank called be back today, XXXX/XXXX/2015, to tell me they do not know what caused the problem. The only way they know how to correct the problem is to open a new CD account and transfer the assets into the new account. XXXX said she could not promise that the same problem would happen again. I told her this was unacceptable, since I was the one who noticed the mistake in the first place, and Discover Bank service is inferior. I requested that she escalate to her management my request for immediately liquidating all of my IRA CD accounts, WITHOUT INTEREST PENALTIES, and let me transfer then into another institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reporting all three credit bureaus to the Consumer Finance Protection board for reporting judgements, liens, and public records on my credit report in XXXX and XXXX they removed the items from my credit report, 2 yrs later the credit bureau transunion put the judgements, and liens back on my credit report when I failed to monitor it, there are 2 tax liens for {$17000.00} from XXXX XXXX and {$17.00}, XXXX from XXXX XXXX that was reported by the internal revenue service, I sent the tax lien arrearage slips to the credit bureaus, and they removed them, and transunion blocked me from entering the website, and started reporting a whole bunch of judgements, and tax lien, equifax has a paid off child support account theat they have not removed after 13 yrs they need to delete it, when they garnished my stimulus check, these credit bureaus are negligently reporting judgments and liens and is showing up on my credit as federal tax liens, I have submitted the judgements and tax liens as evidence that they are in violation of the FCRA. They need to delete these items from my credit report as they are private. Transunion, and XXXX, is reporting judgements/public records by XXXX court, when they are not supposed to, there is a XXXX XXXX XXXX XXXX account on my credit report for {$6700.00} that is an eviction judgement. The judgement is a court order and is not supposed to be reported on XXXX and transunion are not supposed to be reporting it, 2 accounts for XXXX XXXX or XXXX XXXX XXXX, I signed no contract with that creditor so I don't owe anything to them, the bureaus are not supposed to be reporting it either there was no verbal, or written contract between XXXX to collect the debt that is now time barred two XXXX XXXX had to remove the debt from my credit report so they sold it to XXXX XXXX without any 5 day notice or 30 day notice nor contract, XXXX XXXX took it upon themselves to try to report to the bureaus, if I have signed no contract or notice they are by law supposed to remove those accounts. They are also putting duplicate accounts on my credit report the bureaus do this purposely to drive the score down further
Product: Debt collection

This is my formal written complaint. I am denying all calms by SUNRISE CREDIT SERVICES. I have never done any business nor received any goods/services from SUNRISE CREDIT SERVICES In fact, I am 100 % confident that the plaintiff can not provide any instrument of a signed contract/agreement between SUNRISE CREDIT SERVICES and myself, labeling me as a debtor who is obliged to any debt/monies owed to them as a creditor. It is from my understanding that I do not know of this entity and under federal Law they do not have the legal right to bring forth any said " claiter '' against me. I would like this investigated immediately and removed from my report once found inaccurate information. This has caused severe damages to my consumer report, livelihood, and character due to their inaccurate reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX someone opened a account with XXXX XXXX in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX XXXX in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX XXXX XXXX " car loan '' in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX ( XXXX ) Car loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XXXX XXXX XXXX someone opened a account with XXXX XXXX XXXX XXXX XXXX loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on date im not sure of the date someone opened a account with XXXX ( credit card ) in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have confirmed I am part of the Equifax breach. I called the number they show as contact to find out more information on the breach. I was not given any information at all other than someone reading the exact wording that is already on the website. They can not tell me specific information about what information was breached form just myself. If it was credit card, or banking accounts, if it was drivers license or any specific information. If my bank acct number was breached, I need to know so I can open up an new account. If my credit cards were breached, I need to know so I can open up new accounts. And the same for any other information. This will cost me and businesses thousands of dollars to make these changes. But Equifax will not tell me. Just states they apologize for the inconvenience. Then I would have to PAY to freeze my accounts. Equifax should PAY to freeze all XXXX credit bureau accounts for me. I find it fascinating that they are allowed to do this. And that they are allowed to post on their website to call a number for more info only to be told the exact wording on the website and then " refer to the website for more info ''. So it is just a circle on non information. This needs to be corrected so we can KNOW SPECIFICS of what information was breached for each individual and Equifax should pay for the remidiation to correct such as free credit freezes and unfreezes for life.
Product: Checking or savings account

I woke up today to my Sofi bank account being randomly Temporarily restricted. I Called multiple times today, I tried emailing Them as well To only be told its nothing they can do Until the investigation team resolves the issue. I tried asking is there a timeframe to be told its no timeframe. I also tried to Ask to be transferred to someone from the investigation team to be told I can not be transferred. I have bills due and I can not access my account because it was randomly temporarily restricted for no reason at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account & called the credit bureaus about this matter with no resolution. There was no way possible for me to incur this account because I did not live in their service area. The date the account # XXXX from XXXX XXXX XXXX in the amount of {$2400.00} was opened XX/XX/2021, I did not live in their service area & did not have an account with them. I have worked hard to establish my credit & pay all debts, but this is unfair practicing. While doing my own research I found the fair credit reporting act. Upon reading this, I found out that this has violated several of my rights. 
15 U.S. Code 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S. Code 1681 section 602A states Accuracy and fairness of credit report and I have the right to privacy. 
Thank you in advance for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all informatin with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ). i'm now requesting you to investingate this account and update these payments to paid on time immediately. THANK you for understanding and prompt actions. Also the account has been closed to. i just want them to update that it was on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports