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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

After doing some research on my credit reports I notice incorrect information listed on my credit file which should not be included on my credit file. My XXXX account which comes directly from public records shows no open public accounts therefore XXXX XXXX is reporting incorrect information and this information is being used on my credit file which is totally unacceptable and illegal. 

I am requesting for all XXXX credit bureaus XXXX, XXXX and Experian to remove public information from my personal credit file effective immediately.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 XXXXXXXX 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 Balance : {$9900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Original Creditor : XXXX T XXXX  XXXX ) XXXX Balance : {$3600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4400.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XX/XX/2021
Product: Checking or savings account

On XX/XX/XXXX I noticed that there was an owner added to our checking account that neither me or my husband recognized. I went to the bank and asked for them to provide me with the information they obtained to make that change. I was told at that time, they did not have a signature card for the added individual and could not tell me when that person was added. I asked to speak to a XXXX and was told there was not XXXX in the office at that branch. I then asked for the number to the corporate office, where I called and spoke with XXXX XXXX. She told me she would investigate and get back with me the next day. She did not call me back, I tried to call back, and was sent to voicemail. At that time, I called the customer support line, explained my issue and asked to have my issue escalated. After 7 days, I finally received a call back saying my only option was to close the account or bring in the person I don't know to have them removed. I said that was not acceptable and asked to be put in touch with leadership. I then called back to corporate and was once again put in touch with XXXX XXXX who said she would try to get someone from leadership to contact me. Later that same day, I received a call from the bank saying that the erroneous person was added to my account in XXXX! They admitted that they could not find a signature card for that person but said the XXXX update, took precedent over the signature cards signed by my and my husband in XXXX and XXXX. The bank has put my credit and my personal information in jeopardy for over 14 years and has offered no means to rectify the situation. The only option I am given is to close my account and rework my entire financial portfolio.
Product: Checking or savings account

On XX/XX/2021 my debit card embarrassingly declined a transaction at a restaurant. I called Bank of America to figure out why my card, which was indeed sufficiently funded, had declined. They informed me that the card had been frozen due to unusual transactions. When I asked for details, I was again informed that {$3000.00} dollars was fraudulently withdrawn from ATMs. These transactions place on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. {$1000.00} dollars each day was stolen, which is an automatic limit set up by BOA and EDD. The card was in my possession the entire time. I have documented video footage of me at a XXXX of XXXX celebration during the time of the transaction, it would be impossible for me to have done it. 
The company said that I would receive an expedited form in the mail to help with their investigation. Ive checked the mail each day and have not received it. They confirmed my email and phone number as well, but I have no notifications on those platforms either. 
I am reaching out because I feel that the company isnt taking this fraudulent transaction serious, I was even told that it may take up to 90 days before I can be helped. That {$3000.00} was all of the money that I had, and I am devastated because I dont know how this happened, why the bank wont help, and what I will do for the next 90 days ; which hasnt started since they havent sent me their fraud form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reporting inaccurate.
Product: Student loan

I am on XXXX. I can not work due to my XXXX. My monthly check only cover my monthly Bill 's. Is there any organization that can help me with this matter?
Product: Student loan

In XX/XX/XXXX, after my loan had been transferred from XXXX XXXX, I contacted Edfinancial regarding the payment schedule. I asked Edfinancial to  send an amortization schedule for payments because the loan payments and the term did not match up. They assured me that the loan was correct and if I continued to pay the payments as described the loan would be paid in full at the end of the 30-year term. They complied, and an amortization schedule was sent it to me. I then again noticed in XXXX when reviewing the amortization schedule against my payments made, again, this loan would never be paid off if I continued their schedule due. I called Edfin and they said they would have someone investigate it and call back with their finding. I called Edfin on XX/XX/XXXX and the representative said that they concluded their research and the loan was correct. I then asked to speak with a supervisor to press the issue because the representative didnt have the answers to my questions because the balance shown did not match up with the amortization schedule. I spoke with XXXX, who identified himself as a manager and the top person in his department. He stated that they don't send out amortization anymore, because they are inaccurate. As I stated to XXXX, I have been paying on this loan for 66 months and based upon their amortization schedule the balance should be {$100.00}, XXXX, however Edfinancial had the balance at {$100000.00}. This would have put me back to month 55 on their schedule. He stated that Edfin had made a mistake and the figures were incorrect. However, the numbers were incorrect in their favor, which means that we have paid more interest to them then originally agreed upon in our contract. This is because the amount was higher than what the schedule showed and based upon the amount of the balance they stated we still owed in XXXX, I would have to extend my loan by 11 months to pay off the balance. When I questioned XXXX on this, he confirmed that it was an error on their part. I also stated that I would like to check on getting a refund for the extra interest we had paid, and he continuously stated that there is no way " they '' would do that. When I asked him who " they '' was, he did not have an answer. I also questioned him on his numbers, because as I calculated out what he was saying, the end date would have been well beyond the 30 years. He stated that an audit should have picked up the mistake. I was very concerned as I have been paying on this student loan for 10 years already and the auditing process that should have caught the mistake never happened in the 10 years of the loan. 
I have since refinanced my student loan to a 15 year with another company. I followed the terms of the student loan, always made my payments on or before the due date but have paid more interest to a company than was outlined in the loan agreement. I also questioned XXXX as to the fact that we signed a Contract and they were not honoring the contract and were changing it. When I said, that is not how a contract works, he again, didnt have an answer. 
I would like the opportunity to speak to someone who can make this situation right.
Product: Credit reporting or other personal consumer reports

This situation is further compounded by data security breaches, involving the XXXX XXXX XXXX, exposing my information to misuse. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), Experian is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. The unauthorized accounts linked to my Name, Social Security number, and Personal information are : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions. Additionally, I want to highlight that this situation has been worsened by data breaches that grossly mishandled and exposed my sensitive personal information, which your agency continues to misuse. Failure to comply with this demand will leave me no choice but to initiate legal action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 171342876 ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I continually receive a phone call stating that " this is XXXX XXXX and I need to discuss your file. I need to talk to you before I submit your case to the county processor. It is important that I talk to you immediately regarding the file I have received. '' Then the calls started to some friends of mine and the same message was being left on their answering machine and they asked me why they would be calling their house? I don't even know their home phone number. 
So I call and talk to XXXX XXXX and he informs me its in regard to a credit card that was opened in 2009 and that the balance is over {$3000.00} so how am I going to take care of that today, I relay to him that I have been homeless and am unable to settle that amount and the phone calls need to stop this is an official cease and desist! His remark was " well if your homeless I'm sure you didn't go to law school so you don't know what your talking about. How are you going to settle this debt. '' Furious I just stated " i'm not! '' I was so mad at his comment that is the only thing I could say. " He said " if your refusing to pay then let it be on your head '' and hung up the phone. 
Circumstances exist that place all types of people in homeless situations. Degrading my living situation is not an acceptable way of trying to collect a debt.
Product: Debt collection

I did n't receive anything from them because I moved, but wend I did speck to them years later. I informed the that my baby was on XXXX and done anything they asked me to do. But instead they still put my account in Collection. I paid them Once they put me in collection, with the understanding with would be removed, Lets just say that did n't happen. Since paying them its still on my credit report. plus I also called them, only for them to be RUDE to ME
Product: Credit reporting or other personal consumer reports

My privacy is being violated by XXXX, TRANSUNION & XXXX, these company 's are reporting personal information, accounts, and one inquiry that is reporting inaccurately on my consumer report, this is identity fraud as I the consumer, did not consent. In pursuant to 15 USC 1681b2 these company 's are violating my privacy rights and consumer rights. In addition, XXXX, TRANSUNION & XXXX are also reporting late payments, on my consumer report accounts violating 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ). Also, after further investigating further it looks like XXXX, TRANUNION & XXXX deleted accounts off my consumer report, claimed to have done a proper investigation and then reinserted the deleted accounts back on consumer report resulting in even more discrimination. This is a violation of 15 USC 1681a ( e ) as these company 's do not have any right to perform an investigation. and violated my rights are the consumer and natural person, as I did not verify the accuracy of these items 15 USC 1681 i ( 5 ) B ( i )
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety. I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX