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

On XX/XX/year>, I reported fraud to XXXX and my old card was disabled, and a new card was issued. As a result, my credit card balance should have been XXXX, but TransUnion has reported a balance of XXXX on my credit report. I submitted a dispute on this matter, and while the balance was updated to XXXX, I still believe this is inaccurate. Furthermore, on XX/XX/year>, TransUnion reported another balance increase, stating that XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, your XXXX XXXX credit card balance increased by XXXX from XXXX to XXXX. ' However, my balance on my statement released on XX/XX/year>, was XXXX. I am requesting that TransUnion investigate and correct the reported balance on my credit report as soon as possible. I have attached supporting documentation to this letter, including my most recent credit card statement and correspondence with XXXX. Please review this information and take the necessary steps to correct the error on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting FRIST Premier 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 an 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 then records of convictions of crimes which antedates the report by more then 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

I am writing to formally request that the inquiries listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These inquiries were made due to unauthorized access and should not be reflected on my credit report.

The following inquiries should be blocked and deleted from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit card

Dates from XXXX current. I have had my information compromised by Target Credit Card Services. Target Stores, Target leasing,. I have been XXXX, robbed and used for others to secure. I have also been XXXX, with no assistance. Booted out of my place of living.
Product: Credit card or prepaid card

Dear Sir, I have a TD card that I used, and I am always making my payment on time. 
I hardly missed a payment. During COVID, I struggle to pay my billed due to covid but I do pay way payment beyond the minimum payment. I was late with one of my payments and TD charge me a late fee of XXXX. I called TD and explain why my payment was late due to COVID but they refuse to listen and refuse to waive the XXXX late fee. 

I am not asking TD to suspended my payment, I am just asking to wave the late fee of XXXX, and they refuse. Please help me get this late fee waive. 

Your assistance will be appreciated.
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 confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

* XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has violated my rights. 

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. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Equifax on XX/XX/2021. The 1st account is from XXXX XXXX  and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Equifax within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Product: Credit reporting or other personal consumer reports

I have tried to do evrything wright called the creditor back in XXXX they said they would submit an investigation never heard from them again till today then I asked the credit agency to review all the information sent never got any response just stating documentation invalid so no I got tired of that and I am requesting help its been two months since I ever touch the topic again I dont fid it fair that no one gives a straight answer on why is the debt accurate when they have nee sending text messages to my dead uncles phone number I checked with my aunt XXXX the man has no accounts with the next creditors recived notification on the portal on XX/XX/XXXX that the accounts were deleted and they are still there XXXX XXXX XXXX so cease and desist calling my neighbors they do not owe you anything and neither do I
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( s ) : XXXX XXXX XXXX # # # # # # # # XXXX XXXX  XXXX XXXX XXXX # # # # # # XXXX XXXX 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 A, Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I had filed complaints to the XXXX on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXT XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX, and Transunion. I did NOT grant XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies. 
Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Product: Checking or savings account

I have had an account with BBVA since XX/XX/XXXX. The bank has made it impossible for me to access my account, transfer funds ect. They have a policy that even thought you verify your information over the phone you have to go into a branch to update your phone number. BBVA has limited branches and if someone like myself lives out of town sometimes there is no physical way to get to a branch if I try and update my phone number on the app or website it keeps trying to send a sms to the old number but if I known longer have the phone number I cant verify it. Like most banks verification numbers are send to either a mobile phone number or email. On XX/XX/XXXX tried to open a new checking account over the phone I provided my updated phone number. My email, address stated the same. So I received a email on today XX/XX/XXXX from BBVA asking me to review documents and sign them. The documents were locked and asked for a sms to be sent to my phone number. It was a phone number that wasnt mine. I have reason to believe that BBVA does this intentionally. Over the course of the year I have had this account my account has been compromised on several occasions. The bank changes my information internally with my information. When I called customer service I was told that my application was completed via mobile app but I never completed a new checking account application via mobile app. I did it with a customer service representative because they were supposed to attach my old debit card to the account and transfer my balance to the new checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX, XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The problem is that my account was closed for absolutely nothing that I did wrong! I have the evidence to prove that I have paid my bill consistently on time for over a year. My bill was due on the first every month until they changed it to the XXXX after closing my account. On XX/XX/XXXX I went online to pay my Kohls bill and was not allowed to do so. My available balance was reduced to zero and my account was closed. I looked at my payment history and saw something called a Merchandise finance charge refund dated XX/XX/XXXX ( which is why I assume they changed my due date to the XXXX ) which I did not understand. I called Kohls the same day ( XX/XX/XXXX ) to find out what was going on and they told me it was because I filed for bankruptcy which I have never filed. I complained that there had to be some misunderstanding or misinformation, I have never filed for bankruptcy and I have always paid my bill on time. They said that they would look into it and submit it to a review process and to check back in approximately ten business days. I called back on XX/XX/XXXX and someone ( ID XXXX XXXX told me that something was filed on XX/XX/XXXX to reverse the charge out. I allowed more time for this to play out. I called again on XX/XX/XXXX and was told by someone ( ID XXXX XXXX that A letter was sent to me on the XXXX requesting income information and that this information would allow them to reopen my account. I received a letter on XX/XX/XXXX saying only that my account was not able to be reopened due to " missing income ''. The letter did not request any information from me. After receiving this letter I made a second call to Kohls that day to tell them that the letter they sent me did not request anything and I could not understand why I couldn't just tell them what they needed to know over the phone. The person I talked to ( ID XXXX ) told me that I should wait for a second letter! I told them my patience was running out. It's been over a month. Today is XX/XX/XXXX and I have yet to receive a second letter, my account is still closed, and my available balance is still XXXX. I'm still making my payments in spite of them closing my account and charging me a late fee for them not allowing me to make my XX/XX/XXXX payment on time! Please help!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX XXXX 
Account number : XXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX - This address is associated with an account that is not mine please delete. 

XXXX XXXX Balance Owed : {$0.00} - I never had an account with this creditor. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX Balance Owed : {$4100.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX Balance Owed : {$2600.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed.
Product: Debt collection

I have talk to them on the telephone and they calling block numbers on my phone so they can get in touch with me and I told I'm not working and no incomehow I can I send money on aold bill couple yearsback don'tthat make sense.
Product: Checking or savings account

Truist bought my bank, BB & T.

Unable to access my account online.

Online help unsuccessful, had to call, hold time + 1 he.

Finally got human, mentioned I recorded all calls, he refused to talk to me & hung up. 
I record to avoid confusion & miscommunication. History of head injury & XXXX disorder. 
My state, North Carolina, is a one party consent state.

It is legal here to record calls without the 2nd parties consent.

This is a problem not just for today 's issue, but also any future conversations.

As an aside, in the past, recorded conversations with other companies has proven to be a major benefit in disputes.

I personally consider one party consent laws to be both a consumer protection issue, as well as a much appreciated aid for memory & accuracy, for both XXXX & non XXXX persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request of block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : Are you familiar with something called : 15 U.S.C. Sec. 1681i A? I heard that if you cant provide proof, these accounts must be deleted. Equifax is governed by 15 U.S.C. Sec. 1681i A. You have violated my rights numerous times. According to 15 U.S.C. Sec. 1681i A : I have the right to privacy, I havent not given XXXX written permission to furnish these accounts. So, could you please check on these and get back with me? I saw on the Virginia Attorney General XXXX XXXX Website Board that you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Hard Inquiry A ). XXXX XXXX XXXX
Product: Credit card or prepaid card

A XXXX XXXX credit card was opened in my name. I have applied for a credit card to this business, in fact, I have not applied for a credit card in over 10 years. XXXX of XXXX is also reporting the fraudulent activity, but recommended that I submit a claim to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Equifax, XXXX, and XXXX  that someone had stolen my purse and belongings from the above listed place of business in the lobby waiting area some years back and I asked Equifax, XXXX, and XXXX  to block the information and they refused to remove all of the fraudulent accounts. I was unaware that they used my information to open accounts and made inquiries on my credit report until recently. 
Where I'm from, I was never really taught anything about credit until recently so I never had a reason to check my credit report. So now that I've checked it I've come to the realization that due to my belongings being stolen I became a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XX/XX/XXXX - {$11000.00} XXXX   XXXX XXXX ( XXXX  ) - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX ( MEDICAL ) -  XXXX XXXX XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX