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.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and 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 or other personal consumer reports

XXXX XXXX XXXX XX/XX/1996 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the accounts listed be removed immediately : - XXXX XXXX XXXX 
- XXXX XXXX XXXX XXXX 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I rencently I locked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I opened checking account and Money market account with PNC bank in XXXX. According to the documents that I received then, there is no minimum balance requirement to maintain the checking account. I deposited {$290.00} on XX/XX/XXXX. On XX/XX/XXXX I deposited XXXX and paid online bill for XXXX in the amount of {$78.00}. In XXXX, I deposited XXXX. I have not received any paper statements pertaining to my checking accounts. In XXXX, I deposited {$1500.00} another deposit {$270.00}, balance in the account was XXXX. 
Just recently, I learned that the balance in the account is {$850.00} and that the PNC bank changed the balance requirement from XXXX to XXXX on XX/XX/XXXX ( significant change ) and changing it to a different account without my permission. I have not received any notification about this major change from the bank. PNC bank has been deducting {$25.00} per month due to insufficient funds according to the change in the balance requirement which I was not informed via any paper statement. 
Any financial institution has a Fiduciary responsibility with the consumer. 
I tried to resolve the issue with the PNC Bank in person and again this morning via telephone. The bank is giving me a run around and not taking any responsibility in resolving this issue, meanwhile they deducted another {$25.00} from my account this weekend after I started the inquiry.
Product: Credit card

After being a customer of amex since XXXX, I was not provided a rectification for an ongoing credit issue after applying for a new credit card on XX/XX/XXXX and receiving an insulting credit limit after having a hard inquiry on my account. I've been misinformed by several agents, transferred back and forth by agents who do not know the depths of their job and department, and ultimately given no resolution from a customer support manager with Corporate ID XXXX who cheerfully claimed, and I quote, " it is company policy that he is not allowed to provide his last name, and there is no exception to their policy rules '', of which I'm already aware that he misinformed me as well. After being informed my credit limit could only be increased after I received the card, then being ping-ponged between different departments, asked what my preferred credit limit would be only to be told that I'd have to wait XXXX days to request an increase, even though they just approved the account and are able to increase it within 30 days of the initial hard inquiry, I am prepared to cancel all XXXX credit cards I have with amex since they have no intention of salvaging this business relationship.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports from all three major credit bureaus and noticed that items under XXXX XXXX XXXX with account number XXXX and XXXX XXXX XXXX with account number XXXX have been removed by XXXX after their investigation found them to be inaccurate. I have attached a copy of the updated credit report from XXXX showing these removals. Despite this, the same items remain on my credit reports with TransUnion and XXXX. I have contacted these bureaus, provided evidence, and requested the removal of the inaccurate information. However, they have not taken the necessary action to correct my credit reports. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit information. This continued presence of inaccurate information is causing significant distress and financial harm. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit information.
Product: Credit card

I noticed a credit account was opened on XX/XX/2024 on my credit report. It was used on XX/XX/2024 for {$690.00}. I submitted an identity theft report and a dispute. I then called the company of the credit cards. They said they reported it as fraud and have commenced an investigation. My only option is to wait.
Product: Credit card or prepaid card

I have always paid my XXXX XXXX from Commenity Bank bill in full since opening this account. Starting in XX/XX/XXXX, Commenity Bank XXXX card website and apps were down down on XX/XX/XXXX and XX/XX/XXXX each time I tried logging in to make my on time payment. Their website worked late in the day on XX/XX/XXXX after my payment was considered late. This resulted in them charging me interest on my account on starting on XX/XX/XXXX for {$4.00} and a {$30.00} late fee. For the XX/XX/XXXX bill, I paid my bill in full on XXXX, with exception of the interest charge and late fee, and they continued to charge me interest on the late fee and interest from the previous month because their website was down when I went to make my payment on time in XXXX. I have included a photo of one of the error messages I kept getting on XX/XX/XXXX. They were also occurring on XX/XX/XXXX, but I didn't think it would be an ongoing issue. 
They have now charged me late fees and interest each month since XXXX on what is JUST their unjust late fee. 
This apparently has not only happened to me, but has happened to other people as well. My current account balance is now {$110.00} which is all late fees and their bogus interest charges since they would not let me login to pay my bill on time in XXXX. 

I am asking that ALL interest and late charges be removed from my account immediately and all negative reporting to the credit bureaus be removed.
Product: Debt collection

On XX/XX/XXXX I received a voicemail from " XXXX '' calling from XXXX. She advised she was calling from " XXXX XXXX XXXX '' and I needed to call her immediately. I returned the call and XXXX proceeded to tell me that I took out a {$400.00} loan with her company in XXXX and now owe over {$600.00}. I advised that I had never heard of her company, never took out a loan, and owed them nothing. She then provided me with " reference names '' I allegedly provided when applying for this loan and I told her I did not know who these names were. I then advised I had never taken a loan from her company, had never even heard of them, and they are trying to collect a bogus debt they are saying is from over three years ago and they need to stop calling me. XXXX then told me that I need to file a police report ( again, for something that allegedly occurred over three years ago ), and that this would be going on my credit report. I told her I went through a bankruptcy last year and do not owe anyone anything, and that she does not have the right to alter or examine my credit report at all as this is not my debt. XXXX continued to speak over me and tell me that I was " making this more difficult for myself ''. At this point I terminated the call.
Product: Debt collection

On XX/XX/2022 XXXX researched a collection account and provided me with the contact information of MEDICAL COMMERCIAL AUDIT INC in XXXX XXXX, MO. 
On XX/XX/2022 I sent a certified letter to MEDICAL COMMERCIAL AUDIT INC requesting they send me proof that they attempted to validate this alleged debt PRIOR to reporting this tradeline to my credit report by providing me a signed delivery slip or tracking number OR remove this collection from my credit report. 
On XX/XX/2022 in response the debt collector sent several documents, ( a ) a bill [ {$41.00} ], ( b ) a copy of a drivers license, ( c ) a medical account summary listing medical procedures, ( d ) a HIPAA notice. 

This is not the documentary evidence I clearly requested. The documents I was sent, including the bill, says this debt collector was ASSIGNED this account. This assignment, the furnishing of it to my consumer report as a means of bringing harm to me and my financial reputation, and the fact that this agency has a means of my identity without my authority to coerce me to pay them is a violation of 18 USC 1028A - Aggravated Identity Theft.

The FTC says that debt collectors can not furnish first and ask questions later when it comes to consumer reports, also known as debt parking. 
The furnishing of this collection to my credit report is in violation of 15 USC 1692d and the furnisher is engaging in unlawful extortion activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated the following accounts were properly investigated : Account name : XXXX  XXXX XXXX XXXX Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX How could it be possible for them to properly investigate these accounts if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is groud for removal. 

They also have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly stats a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$800.00} from XXXX & XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since Innovis has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX  XXXX XXXX made an error when changing my XXXX XXXX to an XXXX XXXX took a bad check b/c of XXXX XXXX XXXX error now they wont re open my account due to XXXX XXXX XXXX  error
Product: Debt collection

This debt collector is called XXXX XXXX XXXX and the call was received from XXXX. This caller has left several messages on my cell phone using XXXX different names ( XXXX, and then XXXX XXXX ) and today contacted my employer to serve " court documents that required my signature ''. She threatened me with a wage garnishment, a lien on my property, and withholding any tax payments due to me until the {$8900.00} charge-off from XXXX was XXXX. The debt date is from 2013, and I informed her that the statute of limitations had expired. I advised her I would get an XXXX  to review any documentation that required my signature and asked why this paperwork could not be delivered to my home. She said they can leave it on the front porch. I then reminded her she told me the " court documents '' required my signature and at that point, she began back peddling and talking in circles. I need your assistance. I would like to pursue legal action against this collection agency and sue them for the money they are illegally trying to collect. I am not an uninformed consumer and the information given to my employer today was out of line.
Product: Mortgage

A third party dept collector has continued to call my cell phone on behalf of BOA. My account is fully current yet the calls the continue. I have filed numerous complaints and made multiple requests for BOA to stop unauthorized calls to my cell phone but nothing is changing.
Product: Credit card or prepaid card

I made a promotional purchase on XX/XX/XXXX of {$1000.00} from Best Buy using the Citibank card. Since that purchase, I have made payments totaling more than enough to clear my promotional balance by the XX/XX/XXXX due date. When reviewing my statement, I see Citibank still shows me owing a balance on my promotional purchase. I called and requested my payments be reallocated to correctly reflect and pay off the promotional balance to keep me from being charged over {$250.00} in interests. I was told by Citi that I had to call after each payment and ask that my payments be reallocated. That's a ridiculous request. I made all payments online which should indicate to them I have no time to sit on the phone to make such a request. Additionally, Citibank provides no option when making an online payment to request allocation to the promotional balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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

I would like to request a security freeze placed on my Consumer Disclosure Report. I  choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please Remove the following Numbers : ( XXXX ) XXXX ( 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: Debt collection

CONSOLIDATED RCVY GRP XXXX Collection Individual XX/XX/XXXX Collection account. {$14000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$14000.00} XX/XX/XXXX I never borrowed any money from this company Never had an account with this company or the original creditor this is unfair I need an investigation into this matter thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have resolved an auto loan with USAA for XXXX XXXX XXXX The account had a derogatory status and still shows balance owed USAA have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.
Product: Checking or savings account

There were two unauthorized ACH transfer from my capital one bank business account on XX/XX/year> and I reported the unauthorized transactions to my bank and they gave me a claim number : XXXX, but it has been over two months since I reported the unauthorized ACH transfer and bank is not refunding my money yet. Initially they promised to refund me the funds within 10 business days but now they are not giving me any specific time period to recover my funds.
Product: Checking or savings account

On XX/XX/23 I received emails and text messages from Chime stating I had opened a new account with them. They were asking me to download their app to manage the account and letting me know they were sending a debit card. On XX/XX/23 I called XXXX to let them know I did not open an account and did not authorize them to open an account and asked for it to be closed. When I called they were able to link the account to the phone number I called from. I provided my name, email address and phone number yet the customer service representative would not close the account or take any action until I provided more personal information including my social security number and date of birth. I asked to speak with someone who could close the account that I never opened and she was not willing to put her manager or supervisor on even after repeatedly asking. The customer service agent told me to email their support group which I did. She then put me on hold to speak with her supervisor but came back on the call herself stating she removed my email and phone number from the account but did not delete it. I told her that was unacceptable I wanted the account deleted and was concerned about future communication with Chime if she removed the phone number and email. I asked again to be escalated to a supervisor or any team that could help close this account that I did not authorize to be opened. She then hung up the phone in me. I then later received an email back saying they could not take any action since the email address I used was not tied to an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX - XXXX. 

Experian continues to report this account inaccurately on my credit report. 

1. This account was sold to XXXX XXXX XXXX ( collection agency ) 2. Next it was sold to XXXX XXXX XXXX ( Collection Agency ) This account has been sold to a collection agency you are no longer owed for this debt. The following specific fields on my credit report should read as follows : 1. Balance : {$0.00} 2.  Amount Past Due : {$0.00} 3. Account transfer to XXXX XXXX XXXX or XXXX XXXX Additionally, I have filed a complaint with the Attorney General for the State of Michigan and the Attorney General for the State of California.