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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/XXXX Last XXXX of social XXXX Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintain. I received a response stating that the accounts were verified. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require. to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

XXXX. Account XXXX XXXX  XXXX Account number : XXXX Per the FCRA you are required to provide this information within 5-10 Days or delete the negative items from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that has been confirmed to be fraud. Please make sure that the bureaus follow through that the account is removed from my credit report.
Product: Prepaid card

I applied for a rush card on XX/XX/2015 and supposed to received it in 7 to 10 days. I received my first card but have n't received my other one with my money on it from my department. I called rushcard multiple times and ca n't get any answers. I checked online of XX/XX/2015 and it said I bad {$900.00} on there but when I checked later on it said {$0.00}. I have n't received my card even to get my money.im late on my car note, light bill, and loans I have to pay.
Product: Bank account or service

Bank of America commits felony by using fictitious names, see the federal law, USC violation prima facie evidence!!! FELONY CRIMINALS!!!!! NOW YOU MUST PROVIDE A VALID RESPONSE AND STOP REPLYING WITH YOUR XXXX!!! YOU NO GOOD XXXX!! 
NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 
As XXXX 's Law Dictionary explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to " volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. 
[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for " inventory '' control purposes, similar to the XXXX XXXX 's manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America does not provide full disclosure on their " contracts for life '' and they fail to show clarity and validity of applicable terms to perform under their rules, wat is shown is presumptions and proven criminal willful intent to defraud and steal and lie, just the tactits they use to XXXX people on mortagages and steal houses that already been paid for multiple times. These are professional criminals and they do get caught and just pay settlements, but just XXXX more people to make up for it. Very sad they arent shut down. XXXX
Product: Credit reporting or other personal consumer reports

I never gave consent for this inquiry on my credit report. This was not done by me and it placed on my XXXX report.
Product: Debt collection

am writing to dispute an inaccurate entry on my TransUnion credit report. There is an account listed under the name " XXXX XXXX XXXX '' that I do not recognize. I have never entered into any agreement with this company and have no knowledge of this purported debt. 
Therefore, I request that you immediately remove the XXXX XXXX XXXX account from my credit report. Please note that I am making this request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

This is a unique situation in which our business was a victim of click fraud by XXXX XXXX XXXX this company promised to send a verbal agreement over the phone that if we were to advertise with them we would not have to worry about our money being stolen via click fraud which is a felony online crime where your competitor clicks on your XXXX so it doesnt run anymore for the rest of the day and the other companies collect all the work XXXX says it in a recorded conversation verbal agreement that they have a fraud detection tool in place that prevent you from getting ripped off in your money stolen while we already receive {$30000.00} back from Citibank our investigators name is XXXX XXXX hes been very unprofessional will not return our phone calls Citibank I was just about {$59000.00} fell and it was his idea to go outside the 18 month bank regulation laws and get the rest of the fried circles which we did and dated we did it with the branch manager XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX bank at XXXX XXXX XXXX in XXXX New York and she faxed over all of the transactions theyve only gave us partial transactions and they keep not returning her phone calls and violating bank regulation laws can you please call us this is the third complaint weve made vs Mr XXXX XXXX ChieF investigations At Citibanks, XXXX XXXX, XXXX Fraud I It in Texas! All he does is keep sending us a letter after you guys contact him telling us is that hes going to take care of this will you still have not received {$58000.00} as promised he said if he has to go to get the banking commission to go after XXXX XXXX XXXX to get the rest of our fraudulent money stolen from our account thats what XXXX do because we are a valued Citibank XXXX XXXX customer and they are keep avoiding us we have been out of business for a year and a half my business is seven years in this very upsetting is affected my family Ive lost my house and we even have proof all PDF files tracking software five years to prove all the fraud! XXXX has just lost a {$90.00} XXXX case where they settled because they knew they could not win against the big company for click fraud please help us please call me XXXX XXXX At XXXX Or email me at XXXXThank You Very Much! Please make them stop lying to you I have made three complaints are ready with you guys and I did get results after you talk to them but then they tend to back off and stop calling thank you very much and have a great day
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I am attempting to remove my pmi after 4+years with freedom mortgage. I am currently below the 78 % to have pmi removed. They will not do it without my paying more money to have an appraisal done by thier " 3rd party '' vendor or waiting another year.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed Bankruptcies that were listed on my credit report with Equifax. 

I provided a copy of the letters Directly from the courts that read they do not report to credit bureaus information about bankruptcies. I also provided a letter directly from XXXX which is their source, who also stated they were not reporting the information to Equifax. 

Equifax has refused to remove this information and has lied about reinvestigating the bankruptcies with anyone and continue to report inaccurate information.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XX/XX/year> for up to {$1000.00} for Experian violating the FCRA by reporting inaccurate information on my credit report. In the response, Experian stated that it once again contacted the vendor who they refuse to name.I have attached a copy of my request from complaint # XXXX. I did not request a reinvestigation and Experian is intentionally ignoring my request. I am now requesting up to {$2000.00} in accordance with the FCRA for this second violation. I DO NOT wish a re-investigation. This is a complaint for violating the FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # 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: Debt collection

CONGRESS COLLECTION XXXX  AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$60.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am providing this statement pursuant to 15 U.S. Code 1692 ( a ) ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1602, The term cardholder means anypersonto whom acredit cardis issued or a personwho has agreed with thecard issuerto pay obligations arising from the issuance of acredit cardto anotherperson.

REASONS : 1. Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974.

2. You are also acting as a debt collector attempting to collect a debt from me which is also a federal violation as well Pursuant to 15 U.S. Code 1692e ( 2 ) ( A ) ( B ) and 15 U.S. Code 1692e ( 7 ) ( 8 ) ( 10 ).

3. Pursuant to 15 U.S. Code 1681 ( e ) and all that apply, every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user prior to furnishing such user a credit report. No consumer reporting agency may furnish a consumer to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681 ( b ) of this title.

4. Additionally in compliance to 15 U.S. Code 1681 ( o ) ( a ) ( 1 ) any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the the sum of any actual damages sustained by the consumer as a result of failure.

5. As the consumer, original creditor and card holder I am demanding you to delete the account ( s ) listed below unless upon proof of claim is rebutted by sworn Affidavit under the penalty of perjury the following interrogatories : Was written consent or authorization given by me the consumer?

Was there not a violation of my privacy pursuant to The Privacy Act of 1974?

Are you not attempting to collect a debt from by alleging a debt is owed?

Am I not the consumer, original creditor and card holder.?

If you cant provide proof delete account ( s ) immediately. 


XX/XX/XXXX {$10000.00} XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX, XXXX {$3900.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX XX/XX/XXXX {$210.00} XX/XX/XXXX 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app credit karma to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX I XXXX {$4000.00} XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$1600.00} US DEP ED XXXX {$5000.00} XXXX   XXXX {$12000.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$250.00} XXXX   XXXX {$100.00} XXXX XXXX {$26.00}
Product: Credit reporting or other personal consumer reports

This complaint was my follow up to Experian and XXXX Credit Bureaus. As I am hopefully expecting that the Experian and XXXX XXXX to remove these fraudulent inquiries from my credit reports. And for that I am sending this complaint again to make certain that the you, the credit bureaus will remove these listed fraudulent inquiries : 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
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Yo this is crazy about these accounts. Im not gon na pay these accounts I'm super broke, now or in the future. Thats just how it is. Later,
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violat

ed 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 1666B : A creditor may not treat a payment on a credit card account under an o
pen end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Eastern Account debt collectors sent notification in XX/XX/year> that I had a balance owing XXXX XXXX ( That balance was in dispute because I was charged for internet service that they didn't consistently provide. ) In early XXXX, XXXX  I made a payment agreement with Eastern Account which they advised would avoid any credit bureau reporting. The plan was for 4 monthly payments of {$52.00} for a total of {$210.00}. 
XXXX. I was current with the plan as agreed, but they still made a credit bureau filing.
Product: Credit reporting or other personal consumer reports

I had an aafees military star card that went delinquent. The account did not go to collections and I paid it and closed it, since I closed it they have been reporting as the balance is changing on my credit report, repeating false information, which is fraud and I had to ask XXXX why is this company reporting when the balance is XXXX .. they said contact the company which I did. I emailed several times after closing it and paid it off completely. The balance is XXXX yet they still remain open. This is a closed account by them. The company themselves closed it. I asked them repeatedly and Ive emailed them repeatedly to stop reporting on my account since it is closed and and paid off. I paid off the entire balance. It was not a settlement. It is at a balance of XXXX and closed. As you can see in XXXX of the documents I uploaded the balance went from {$5200.00} to {$0.00} to {$5200.00} without my authorization the account is closed. They can not keep fluctuating the balance like this. The other document is the confirmation that the account is paid in full in 2023. Please help me with this.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX requested experian to rectify and update my personal information including 1.address alteration 2.name rectification 3.sole social security validation 4.impeccable date of birth acknowledgment I also refuse inclusion of any telephonic contact and request the removal of all addresses deemed inaccurately reported by the U.S post office
Product: Credit reporting or other personal consumer reports

XXXX has been contacted in XXXX of XXXX, and by phone multiple times after that date to remove all adverse and inaccurate items. Fair Credit Reporting Act violations identical to the other reports section 623 ( 15 U.S.C. 1681 s-2 ) mandates that furnishers provide complete and accurate information. The information has been investigated by the consumer and found to be incomplete and inaccurate. Denials to obtain credit have impacted my financial affairs and cause business loss daily.
Product: Money transfer, virtual currency, or money service

There was no protection for verifying whether I had authorized transactions sent through Zelle. If I were to send money to the wrong person, there was no way for me to get it back. I was told that theres nothing they can do.
Product: Credit card

In my inquiry Chase Bank ran my credit without letting me know. This is something I did not authorize at all and unacceptable overall.
Product: Debt collection

TRANSFINANCIAL AND XXXX will not remove a paid debt that on my credit report.

I have the letter from Transfinancial saying its paid in full. They promised to delete it off my account once it was paid. But until now my XXXX account says I owe. ( {$810.00} ) medical bill.

I am a VETERAN and I don't appreciate the treatment I am receiving. I used my hard earned TAX RETURN just to pay it off.

PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

I am writing to address some concerns pertaining to my private information and its sharing by consumer reporting agencies, specifically XXXX, XXXX, and XXXX. As a consumer, it is essential that my rights are upheld as stated under the Fair Credit Reporting Act 15 USC 1681 section 602 a. This act emphasizes the need for fairness, impartiality, and respect for the consumer 's right to privacy. 

Furthermore, according to 15 USC 6801, it is the policy of Congress that financial institutions have an obligation to respect customer privacy and safeguard their nonpublic personal information. As a financial institution defined under this provision, ( Furnisher of information to credit agencies ) must adhere to these principles. 

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies are only permitted to furnish consumer reports based on the written instructions of the respective consumer. I have neither provided consent to ( Furnisher of information to credit agencies ) nor XXXX, XXXX, and XXXX to share my information. Any previous consent, whether explicit or implicit, is hereby revoked. 

Moreover, according to 15 USC 6802b c, a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties without informing the consumer of their nondisclosure options. I was never given the opportunity to exercise this right. 

I would also like to draw attention to the fact that 15 USC 1681C a 5 prohibits consumer reporting agencies from including certain adverse items of information in consumer reports, specifically those that antedate the report by more than seven years. It is evident that an adverse item is being reported without my permission, which constitutes a violation of the law.

Additionally, 15 USC 1681s 2 a 1 a states that it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, XXXX, and XXXX must ensure the accuracy of the information they provide. 

According to 15 USC 1681e, consumer reporting agencies are required to establish reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes outlined in section 1681b. It is clear that XXXX, XXXX, and XXXX are not meeting these expectations. 

Lastly, in accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of the reporting services of all three companies ( XXXX, XXXX, and XXXX ). 

I hope that these issues are addressed promptly and that my rights as a consumer are fully recognized and protected. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This debt was originally with XXXX. I disputed the debt with XXXX Credit services a year ago. Since then they removed the account after there 30 day investigation. Since then XXXX has sent the account to Southwest Credit Company which is a collection company. This company has reported it back on my credit again with there account number. I called this company on the phone and tried to explain that this account has been removed over a year ago
Product: Credit reporting or other personal consumer reports

Upon thorough review of my credit record, I discovered concerning late payment entries that warrant immediate attention. Despite my diligent efforts, including multiple written communications sent over XXXX  days ago requesting validation of these items, I have received neither acknowledgment nor substantiation of these reported late payments. This lack of response and failure to provide proper verification necessitates formal intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE A LETTER FROM THE CREDITOR STATING THAT THE ACCOUNT IS PAID TO A XXXX BALANCE AND THERE IS NO MORE RESPONSIBILTY OF ME TO THIS DEBT. I HAVE SENT THIS INFOMATION TO THE CREDIT BUREAUS, BUT THE ACCOUNT IS STILL REPORTING AN OPEN BALANCE. THE ACCOUNT SHOULD BE CLOSEED AND REMOVED