23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

My bank account was suspended on XXXX. I was not given any warning about this. I have sent all information the bank has requested and they are not responding. When I call they tell me I can only fix this through Support.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting.

To Whom It May Concern : I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly. 
Payment History and Errors Experian similarly maintains the incorrect late payment entry for XXXX, despite my past disputes. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Experian. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.

Written Confirmation : Please provide written confirmation of this correction.

If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered that XXXX XXXX was reporting a charged off account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that XXXXXXXX XXXX breached there contract and violated there terms by reporting my non public personal information to third parties, namely Equifax, XXXX and XXXX pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. Additionally, XXXX XXXX was required to provide me with a purchase money loan pursuant to the Truth and Lending Act, 15 USC 1601 and regulation z which they failed to do. And XXXXXXXX XXXX  is also still currently reporting transaction history which is illegal. Also, being that this account is charged off it is considered a certificate of indebtedness which constitutes income and is not to be reported on my consumer report.
Product: Credit reporting or other personal consumer reports

They did not follow fcra laws and validate this debt to be mine. I did not authorize this account or creditor etc and I will sue all parties involved for XXXX per month its being reported
Product: Bank account or service

My parents set-up a trust account 3 yrs ago due to health issues and to make it easier for my brother & I to have access to their financial accounts once they passed away. They listed me as the first trustee and my brother as successor trustee. Chase Bank is making us work to get to the money. Here are some of the things that have happened : 1 ) Chase lost the form that my Mom signed listing my brother & I as the beneficiaries of one of her accounts - we had to hire Mom 's attorney to do additional paperwork at a cost of {$500.00} to get the account moved into the trust so we can access it ; 2 ) I was asked to create a NEW trust account with my name, SSN, and Federal EIN number in order for Chase to move the old trust funds into the new trust account ; 3 ) Now I am being told that I have to create another trust account because they are unable to move the original trust funds into the newly created trust fund ( different EIN and SSN numbers is the excuse ) ; 4 ) the trust account was frozen after my Mom passed away but when we needed to access funds, they were able to unfreeze the account but then the problem with getting some funds was that " someone '' had started reinvesting the money. This was odd because we were told that XXXX was the person in charge of Mom 's account. We had n't authorized any reinvestment of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the trauma center. I was in the trauma center at XXXX in XXXX XXXX for my XXXX XXXX from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then transunion added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail dated XX/XX/2022, with a reference ID of XXXX indicating Elan Financial Services pulled my credit report ( on XX/XX/2022 ) without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by Elan Financial ( on XX/XX/2022 ) is attached for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six accounts that are showing up on my credit report they do not beloing to me they are not mine I have not applied or signed or used any of these accounts I need these accounts gone. 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$5700.00} OPened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4100.00} OPened XX/XX/XXXX XXXX XXXX/XXXX- Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$860.00} OPened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$1200.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all accounts associated with my personal information following a recent data breach. Below are the affected accounts : Accounts in Question : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$5400.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Balance : {$49000.00} Date Opened : XX/XX/XXXX Hard Inquiries : XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX MA : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX Personal Information : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This request is made under the Fair Credit Reporting Act ( FCRA ), and I am citing the following sections : 1. 15 USC 1681c-2 ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name.

2. 15 USC 1681i : Please investigate and delete any inaccurate or unverifiable information resulting from this breach.

3. 15 USC 1681e ( b ) : I ask that you conduct a thorough review of my credit report and correct any inaccuracies caused by this breach.

4. 15 USC 1681g ( a ) : I am requesting a full copy of my consumer report to verify the accuracy of the information being reported. 
5. 15 USC 1681m : Please ensure that no negative information from this breach is reported inappropriately. 
I respectfully request written confirmation of the actions taken regarding my accounts, along with an update on any steps TransUnion is implementing to safeguard my personal information from further misuse. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A War Zone I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed XXXX {$1400.00XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Well, I'm a victim of identity theft me and my family. I am only XXXX XXXX XXXX and still live with my mom at XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX. I never moved out of the house. 
Someone used my information that was lost in XXXX to get an apartment in my name I contacted the credit reporting agencies to dispute the item. they keep verifying it. 
I never lived anywhere else but at my mom 's home. I never had a apartment. or home its showing on my credit report as a collection account under National Credit System in the amount of {$6900.00}
Product: Prepaid card

I bought a card XXXX from XXXX on or around XX/XX/year> for {$500.00}. It was supposed to work, but it stopped working with {$450.00} balance on it. I tried to get a replacement. I got a replacement very late around XX/XX/year> or so but the company refused to activate the card. " XXXX '' said he could not activate it. I want my money back since the product is defective.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2005 an account was fraudulently opened by a relative with XXXX XXXXXXXX XXXX and it was never paid back and charged off in the amount of {$9700.00}. I sent notice for removal to XXXX and Transunion. They wanted more documents so I sent my FTC report and a ID Theft Affidavit to show it was not opened by me. They said they still would not remove that the creditor removed the block. XXXX XXXX sent me the forms for the ID Theft Affidavit. I advent had any response back from XXXX XXXX. I sent the documents two times to XXXX and Transunion. And still no removal.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested on XX/XX/year> for the XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXXXXXX XXXX  ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) and validate the account and provide me with a copy of my wet ink signature and I have not receive nothing from anyone to this day. I have never done business with neither of these companies.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. These accounts were opened or reported without my authorization and are the result of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted 1. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$2600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$680.00} XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$1700.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$4900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX. XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1900.00} XXXX. XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$5100.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I recently received a letter about a fraudulent account thats being reported on my credit report and it stated please provide more information about your dispute First and foremost I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Product: Mortgage

XX/XX/XXXX : my loan was transferred to Carrington Mortgage Services XX/XX/XXXX : their fraudulent practices were discovered XX/XX/XXXX : conditional acceptance letter was sent to the company/CFO along with a request for debt validation ; my request was ignored, however, in the meantime I attempted to utilize negotiable instruments/coupons to settle the account which they refused to process, demanding federal reserve notes as payment instead XX/XX/XXXX : Fault in Dishonor & Opportunity to Cure notice was sent XX/XX/XXXX : Certificate of Non Response was sent along with a Bill of Particulars for specified USC violations ; Everything that I requested was ignored & they sent me a foreclosure notice. I eventually brought my account back up to date by making payments but the company failed to properly respond to any of my requests & were in clear violation of several USCs as outlined in every affidavit that I sent to them Violations as of XX/XX/XXXX included : Extortion ( {$24000.00} ), Breach of Contract Xs2 ( {>= $1,000,000} ), & 18 USC sec 1956 ( {$500000.00} ) plus additional damages ( {$2000.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off to each bureau on XX/XX/2022. Here are my tracking numbers : # XXXX, # XXXX, # XXXX. I sent these to remove personal information that does not belong on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution should share my information to third party entities or individuals. 

These are clear violation of my federally protected consumer rights.
Product: Credit card

I made a {$1600.00} payment to XXXX XXXX XXXX and they show the payment as received but forgot to apply it. I called them and they confirmed the payment as received which I can see on their webiste but are " looking into '' why it was not applied. I need them to apply it to my account because I have a large balance because they took my money but never applied it to my balance. 

XXXX XXXX XXXX under my name and their number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen there was inquiries on my report that I did not authorize causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX from Pennsylvania from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and 8 inquiries I didn't authorize its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times.transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.