23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$9.00}
Product: Checking or savings account

I opened a new checking and savings account with FNBO on XX/XX/XXXX  using a promotion code that qualified me for account opening bonuses for both products. After meeting the requirements for these bonuses, FNBO failed to honor the terms of the account opening agreement.
Product: Debt collection

This debt should have never been reported on my credit. It was paid. I have contacted them several times about this bedt. They seem to ignore my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the leader in reinserting disputed debt already removed from the credit reports from ID theft this was found to be fraud be XXXX and the CRA s in 2015 and removed from my credit already. 

I have Attached several documents and relation to this issue Including a Nother updated FTC fraud report stating the same, my ID and other comments in the web regarding this companies business practices.
Product: Student loan

I ca n't find a job in my field of study and I 'm having a very difficult time trying to pay it back working part time jobs.
Product: Credit reporting or other personal consumer reports

XXXX has been incorrectly reporting information in my credit report Ive have sent disputes for things to be removed and they refused
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called an talk with customer services since XX/XX/2021 an was told my account is paid in full an that they would update it on 3-5 business days. On XX/XX/2021 I received a congratulations letter Indicating that I paid my account in full. When I dispute the balance on my credit report it came back indicating that I owe the balance an that the information is correct when its not correct. I paid the balance in full an I have proof an I want the information corrected.
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 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 XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX XXXX  : # XXXX, and 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 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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Due to these violations I have a right to sue per violation.
Product: Student loan

This is in reference to public service foregiveness. The agency is XXXX XXXX XXXX. They sent me my number of qualifying payments In XX/XX/XXXX and it was less than the previous year. I requested a recalculation and they said it would take 6 months. They bland the problem on a new computer system. Having only worked for one city during my repayment, I could not understand why it would take so long. 

I requested the name of the software and a copy of my statement of qualifying payments from the previous year. They did not respond. I called back in XXXX XXXX XXXX and asked for an update. They told me it would now take a year. I asked them why it would take so long and they told me the US Treasury had to recalculate and thats why it was taking so long. According to my records, I should have 120 qualifying payments in XX/XX/XXXX. However, I can figure out where I stand.
Product: Credit card

XXXX changed credit card companies from XXXX XXXX to Citibank. We cancelled our XXXX membership and our XXXX XXXX and refused service with Citibank. Afterward, we regularly received letters saying they would open the credit card account with Citibank. We contacted XXXX and Citibank multiple times refusing the credit card but they still opened the account. We now have an unauthorized Visa credit card from Citibank.
Product: Credit reporting or other personal consumer reports

My social was breached and I am a victim of identity theft. 
Here are a few dates XX/XX/XXXX in the amount XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX, XXXX, XXXX, XXXX XX/XX/XXXX in the amount of XXXX. I filed an identity theft report against all of the following accounts and asked to have these accounts removed immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquires from XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX on Credit Report XXXX XXXX XXXX : Experian, XXXX, and XXXX Date of Inquiries : XX/XX/XXXX, XX/XX/XXXX, ( XXXX XXXX  ) and XX/XX/XXXX ( XXXX XXXX XXXX  ) Companies involved : XXXXXXXX XXXX and XXXX XXXXXXXX XXXX Dispute Codes : 103 ( Dispute- Inaccurate Information ), XXXX ( Account not mine ) Details : I am filing this dispute to challenge the validity of XXXX hard inquiries that appear on my credit report : XXXX XXXX  [ XX/XX/XXXX ] -XXXX XXXX  [ XX/XX/XXXX ] XXXX XXXX XXXX [ XX/XX/XXXX ] I did not authorize these inquiries, nor did they result in the issuance of any credit card or account. According to XXXX XXXX  compliance guidelines, each inquiry must be tied to a legitimate credit request, which is not the case here. I request that these inquiries be removed from my credit report as they are in violation of XXXX XXXX  compliance standards. Please investigate this matter and correct the inaccuracies. 

XXXX XXXX XXXX : This code addresses inaccurate or incorrect information in the credit report. The hard inquires from XXXX XXXX  and XXXX XXXX XXXX are inaccuratley reported as I did not authorize them, and no credit was extended as a result. 
XXXX XXXX XXXX : This code indicates that the account or inquiry is not mine. Since I did not request or approve these inquiries, they should be removed from my credit report. I have only one credit card that is through XXXX XXXX.
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 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 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: Debt collection

I have been paying on this account for 3+ years ; they refuse to tell me the balance on my account. I have made multiple phone calls ; they never answer. I did speak to XXXX on the week of XX/XX/XXXX ; she did give me her number to resolve the issue ; now her number is not in service and still did not get my balance. Last year they did send me a statement with an extra XXXX on the balance stating that is how much you will owe if you are a day late with any payment ; I have never once been late. 
They hold onto my payments for more than 30 days ; and I have no way of communication with them. I just want in writing the right amount that I owe, not if I'm a day late but the real amount I owe. I have tried repeatedly to resolve this issue to no avail.
Product: Credit card or prepaid card

In XXXX 2021 American Express processed a balance transfer to my account ending in XXXX. I never initiated a balance transfer. After days on the phone I found out that someone did a balance transfer to XXXX and for some unknown reason it was applied to my account. This was resolved but the balance transfer fee of {$350.00} keeps appearing and is now migrating to my other American Express account ending in XXXX. It is impossible to dispute a charge online with them. Instead I have to call and wait and one person tells me one thing and someone else tells me something else. This has cause me to be confused about the amount I owe monthly. Last month I paid {$35.00} and was told on the phone that it was supposed to be {$40.00} and they charged me a late fee of {$29.00}. For act ending in XXXX there were new charges of {$400.00} : {$350.00} Flexible Transfer. No one is telling me why this transfer done by someone else is now migrating into my accounts, causing confusion and fees.
Product: Debt collection

I been sued from Unifund CCR , LLC, .. on very very old debt dated back XXXX total 23 years, after periodically requested the validity of the debt. 
No proof or validation of debt was ever given to me, No proof of authority to collect a debt was ever given to me, No accounting of the debt was ever provided, and No account has ever existed between my self and Unifund CCR , LLC, ... as they claim. 
Attached is a copy of the request letter dated XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I have been repeatedly harassed with repeated phone calls from this debt collection agency, I tell them to stop calling me but they continue to do so. I even set up a payment arrangement with them when My financial outlook was improved. I called them to stop the payments because I lost an extra source of income about two weeks ago. They continued to take money out of my account. I cancelled my debit card associated with the automatic payment arrangement and they continue to call and harass me. I have recorded phone conversations with them. particularly the one where I told them to cease my payments due to my inability to pay. I am a XXXX XXXX. I only receive {$820.00} per month from SSDI. I am extremely low income, yet these people do not care and continue to harass me and call me. i blocked their phone number, and then got another call from an " anonymous '' caller, which tuned out to be portfolio recovery services again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct # : XXXX Acct type : Medical Collection Furnisher : XXXX XXXX XXXX XXXX. 
The mentioned account is incorrect and I have no unpaid bill on XX/XX/2018. There is no supporting medical statement showing the date. I requested to remove incorrect information from my credit history.
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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are identity fraud that are reporting to my credit profile. Please refer to attachment for further information.
Product: Debt collection

Harley Davidson credit Corp XXXX XXXX XXXX XXXX, XXXX Last XX/XX/2018 I had a motorcycle repossessed.voulentary. Harley Davidson financial Corp sends me a bill with a breakdown totaling over 1000.00, but the motorcycle was sold for only 200.00 less then what I owed. After speaking with Harley Davidson I told them I would gladly pay XXXX owed but felt that these other fees were the responsibility of the customer, the individual who purchased the motorcycle at auction to pay. After zero resolution, I receive a letter from XXXX XXXX XXXX XXXX a collection agency attempting to collect XXXX, it appears that they are attempting to collect XXXX dollar for XXXX dollar that Harley Davidson claims I owe.so I made it clear on a telephone message that in a situation like this nobody is getting paid unless a judge and jury sayes I have to pay and that I felt strongly that a Connecticut judge and jury  would agree. With me, after seeing the breakdown of the bill, that I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My laptop was stolen with all my info. And i just got my credit report and see my credit had hard inquires on my report. Which is stopping me from moving forward in life
Product: Bank account or service

CFPB Team : I have already submitted what I believe to be data security violations ( Case XXXX ). 

Here are pictures of what I believe to be data security violations at Morgan Stanleys XXXX XXXX. I have n't worked at Morgan Stanley, but these pictures are on XXXX and clicked ( pretty obviously ) inside restricted areas. You can see the work environment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These medical accounts should not be on my credit reports they all are under 180 Days please Remove Off My Transunion credit report due too hippa violation!!!
Product: Debt collection

I am getting repeated harassing phone calls where no one even speaks when I answer. According to caller ID and XXXX phone bill these calls are coming from FNCB INC at ( XXXX ) XXXX, a debt collection agency. 
I have not debts in arrears, These people have not written me nor talked to me on phone-just repeated calls with no one there when I answer. 
Called me XXXX this morning and woke me up at XXXX XXXX and XXXX XXXX. I am ill and in bed and harassed by this dumb tactic? 
This company also called two weeks ago and same thing-no one spoke when I answered phone. 

Is this some new bizarre tactic by bill collectors?? Harassing calls without even speaking to the people they bother by calling? Unprofessional.Maybe if they can get me to call them it opens the door for more contact?
Product: Credit card

To whom this may concern : I'm writing you today in regards to my credit card with Synchrony bank/amazon . 
I have a current balance of {$6.00} which are late fees that I was advised would be covered and I had nothing to worry about. When I signed up for this card I never received the card or a bill. Until I spoke with customer service about it I had no idea what was going on with this account or my card I never received. When I spoke with the representative I was issued a new card and sent out again anything thing that was sent to me in the mail. I also paid my bill further in that call where I was advised I had nothing to worry about the fee it is taken care of and it would reflect on my bill. I paid what I was told to be my balance because I was promised the rest would be waived or I would have paid the complete balance. Time passed by I tried to use the card with the understanding I don't have a balance only to find out I have a outstanding balance. I spoke with two more representatives at that point the first one advising me they'd review the call. Which they did and sent a letter discussing the context of the call promising to remove the late fees but only referencing them reviewing me not receiving the mail and that they did a investigation that implied I did through there internal checks. Which is odd because I wouldn't have needed a replacement card and would have been able to use the original card if I received it and I also would have know the status of my account instead of having the expectation of contracting with a honorable business with the idea I had nothing to worry about. The second representative apologized and was very understanding and even tried to rectify the issue but someone made it unavailable for him to do so. He also conveyed to me that it's normal that they wave one occurance per certain time period and he doesn't know why this is the way it is and he's sorry. I further said that's a curtesy your speaking of a one time curtesy but this is a different circumstance I never received anything from you guys and you guys have a obligation to send me a bill and my card and I never got anything and it had to be sent out again. I was promised by there representative that this fee would be waived and I've been put through this extensive rigamorole. 


They advised me the calls are recorded and told me they'd review the call and completely disregarded the fact I was promised this by saying nothings in the notes about anything but it's in the call which they reviewed and willing refused to honor their word.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent XXXX XXXX XXXX Account Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX that is inaccurately listed on my TransUnion credit report. I want to make it unequivocally clear that this account does not belong to me, and I request its immediate and permanent deletion from my credit file. 

As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is obligated to investigate disputed items and ensure that all information reported is accurate, complete, and verifiable.

To assist in your investigation, I am including the following supporting documents : A completed XXXX XXXX XXXX XXXX, as requested by their fraud department. 

A copy of my government-issued ID. 

Proof of my address. 

Any additional documentation that substantiates my identity and confirms that this account is fraudulent. 

This account was established without my knowledge, authorization, or consent, and its presence on my credit report is both harmful and inaccurate. I demand the following actions : Immediate investigation of this dispute as required under the FCRA. 
Permanent deletion of the XXXX XXXX XXXX account from my credit report if the account can not be verified as legitimate. 

Written confirmation that this fraudulent account has been removed and that the dispute process has been resolved. 

Failure to properly investigate or remove this fraudulent account will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies for FCRA violations.

Please address this matter promptly and respond to my dispute in writing within the legally required 30-day timeframe. I appreciate your immediate attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im dealing with incorrect information on my report that is unfairly affecting my scores and blocking my opportunities. Its frustrating to be penalized for errors beyond my control.