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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items on my credit report as follows XXXX ( XXXX XXXX XXXX ) ... ( Ars account resolution ) ... dept.of education ( XXXX XXXX  whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. MY INFO WAS USED TO FRAUDULENTLY OBTAIN GOODS IN MY NAME. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CIRCLED ALL FRAUDULENT CHARGES ON MY CREDIT REPORT. MY INFO WAS ALSO LOST IN THE XXXX  BREACH. I AM AN ESSENTIAL WORKER AND MY LIFE HAS ALREADY BEEN DRAMATICALLY IMPACTED BY COVID-19. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS ISSUE. 

XXXX XXXX # XXXX XXXX  XXXX # 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
Product: Credit reporting or other personal consumer reports

Dear Navy Federal Credit Union, I am writing to formally request the removal of inaccurate late payment entries from my credit report for my closed credit card account, ending in XXXX. This account was closed on XX/XX/XXXX, according to the Navy Federal representative I spoke with today. However, the account closure date is being inaccurately reported to the credit bureaus, which is affecting my credit score. 

The discrepancies I have identified are as follows : XXXX is reporting the account closed on XX/XX/XXXX. 
XXXX is reporting the account closed on XX/XX/XXXX. 
XXXX is reporting the account closed on XX/XX/XXXX. 

These inconsistencies are negatively impacting my credit report, and under the Fair Credit Reporting Act ( FCRA ), Section 605B, it is illegal to report false or inaccurate information to the credit bureaus. I kindly request that Navy Federal Credit Union correct these errors and remove the reported late payments from my credit history, as they are inaccurate and unfairly damaging my credit score.

Please provide written confirmation of the corrections made and notify the credit bureaus of these changes. I would appreciate your prompt attention to this matter, as it is crucial for maintaining an accurate credit profile. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

This account was opened XX/XX/XXXX with a 72 month term. There are several inaccuracies on my credit report stating the account was opened on XX/XX/XXXX. Account detail doesnt show auto loan. Date last active was XX/XX/XXXX. Its showing other date XX/XX/XXXX and XX/XX/XXXX. It was last active on XX/XX/XXXX. Date of last payment is showing XX/XX/XXXX and its was actually on XX/XX/XXXX. These inaccuracies is manipulating my credit worthiness and hurting my ability to obtain credit. TransUnion has failed to investigate properly after Ive repeatedly asked to have the account update. My request has been neglected once again and is violating my consumer rights. I am demanding the deletion of the account named- XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

found out XXXX, XXXX XXXX and Equifax are furnishing my account Dept Of ED XXXX XXXX which is a violation of 15 USC 1681a. I have send them a dispute in the mail XX/XX/23, waiting for a respond.
Product: Checking or savings account

I tried to open a chance bank account it was denied because of a bad report they received from XXXX it was probably because key bank closed me an account because of a XXXX   check of a deposit XXXX $ that wasnt on my nam I didnt know that is a problem and i believe that this happeneing to everyone I dont know they making Big deal of that hope there is a way out because if not a dont know if its possible to leave in this world if for every XXXX  thing they gon na destroy my live
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX MY DATE OF BIRTH IS XX/XX/XXXX AND TODAYS DATE IS XX/XX/XXXX am filing this complaint myself without any help of a attorney or credit agent I'M WRITING THIS COMPLAINT BECAUSE I previously notified Equifax that I am a victim of identity theft, and requested that Equifax Close the unauthorized account AND Take steps to remove information about this fraudulent account from my credit files AND BLOCK IT FROM RE REPORTING I SENT IN A COPY OF MY FTC REPORT WITH MY POLICE REPORT ( 103 true Identity theft ) I'm a member of the Equifax data breach & have filed my claims accordingly i have been attempting to clear my credit report of these fraudulent items XXXX XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XXXX XXXX, XXXX IVE BEEN CONTACTING Equifax SINCE XXXX THEY HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS MATTER These fraudulent debt is hindering my ability to apply for credit or even get a first time credit for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not putting on my Credit Reports : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Attn : Complaints 1700 G Street NW XXXX, D.C. XXXX Subject : Formal Complaint Regarding Violation of GLBA Rights and Failure to Remove Account Information from Credit Report Dear XXXX XXXX XXXX am writing to file a formal complaint against XXXX XXXX  XXXX regarding their failure to honor my federally protected rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically pertaining to the sharing of my Nonpublic Personal Information ( NPI ) with non-affiliated third parties. Additionally, I am deeply concerned about their failure to comply with my request for the removal of account information from my credit report, despite sending a written request over XXXX days ago. 

Per my rights outlined in 15 U.S.C. 6802 of the GLBA, I previously exercised my option to opt-out of the sharing of my NPI with non-affiliated third parties. Despite this, XXXX XXXX XXXX has continued to share my information, which constitutes a clear violation of federal law and a breach of my privacy rights. 

Furthermore, I formally requested XXXX XXXX XXXX to remove the account information associated with my account from my credit report. This request was submitted in writing over XXXX days ago, in accordance with the Fair Credit Reporting Act ( FCRA ), yet I have received no confirmation of action taken, nor any updates regarding the status of my request. As a result, this erroneous and unauthorized account information continues to negatively impact my creditworthiness and financial standing. 

I have made diligent efforts to resolve this matter directly with XXXX XXXX XXXX, but their lack of response and failure to rectify the situation has left me with no recourse but to escalate this issue to your attention, as the regulatory authority responsible for overseeing consumer financial protection. 

Therefore, I respectfully request the following actions be taken : Investigate XXXX XXXX  XXXX 's non-compliance with GLBA regulations regarding the sharing of NPI.

Require XXXX XXXX  XXXX to immediately cease sharing my NPI with non-affiliated third parties. 
XXXX XXXX XXXX XXXX to promptly remove all account information associated with my account from my credit report. 
Impose appropriate penalties and sanctions on XXXX XXXX  XXXX for their willful disregard of federal laws and consumer rights. 
I have enclosed copies of all relevant correspondence, including my written request to XXXX XXXX  XXXX for the removal of account information and any responses received, for your reference. 

I appreciate your prompt attention to this matter and trust that you will take the necessary steps to ensure that XXXX XXXX XXXXXXXX fulfills its legal obligations and remedies the harm caused by their actions. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received refunds from merchants and every time I do MY refund gets put on hold like I'm not entitled to it. This is the only company that I know does this. I have bills and children to feed but money that was returned to me for canceled purchases gets put on hold. It's absolutely stupid.
Product: Debt collection

PORTFOLIO RECOVERY IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
Product: Credit card

BANK OF AMERICA CREDIT CARD - ACCT # XXXX WAS OPENED AND USED IN MY NAME WITHOUT MY KNOWLEDGE OR CONSENT, BEGINNING XXXX XXXX. ACCORDING TO MY MOST RECENT CONSUMER CREDIT REPORT, THE ACCOUNT WAS CLOSED/CHARGED OFF WITH A BALANCE OF OVER {$8000.00}. NO CARD, STATEMENT OR CORRESPONDENCE EVER ARRIVED AT MY RESIDENCE- SUBSEQUENTLY I 'M UNAWARE OF THE FULL ACCOUNT NUMBER OR ANY TRANSACTIONS ASSOCIATED. 

DISPUTED THE ACCOUNT VIA CREDIT REPAIR SPECIALIST IN XXXX, BUT WAS UNABLE TO PROCEED BECAUSE I DO N'T " HAVE ENOUGH ITEMS THAT NEED REMOVAL '' ACCORDING TO THE SPECIALIST. BANK OF AMERICA REFUSED TO PROVIDE ANY DOCUMENTATION OF THIS ACCOUNT AND ERRONEOUSLY UPDATED STATUS TO 'DISPUTE RESOLVED '.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX XXXXAccount # : XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

Ever since Navient took over this loan they do everything they can to access fee 's to the borrower. Today is XX/XX/2002. I logged on to pay my payment which is due the XXXX of each month. They are showing the loan as PAST DUE so they can access late fee 's to the account. I then try to pay extra and of course they want the XX/XX/2002 payment as well now. This organization has done everything they can to XXXX the borrower of loans with them!!!!!!!!!
Product: Money transfer, virtual currency, or money service

My venmo account was frozen and I was notified via email that I had to submit proof of identity. After sending a picture of my license ( front and back ), my account was permanently deactivated. They will not provide me with a valid reason as to why ; however, it seems suspicious that they requested a copy of my ID prior to permanently deactivating my account.
Product: Checking or savings account

PNC bank -- -my account ending XXXX : The bank mailed a postcard to my home address around XXXX 2022, offering a {$400.00} bonus for the deposit of {$5000.00} and maintaining a balance of {$5000.00} for 60 days, at the end of 90 days the deposit would be added to the account. I opened one account, my wife one and my daughter one. 
XXXX XXXX XXXX XXXX XXXX XXXX I spoke to two different clerks, one an XXXX female, whom never mentioned a direct deposit or a form was given to us. We never got a reminder in the mail of a direct deposit. The card in the mailed never mentioned a direct deposit. 
This is a " bait ans switch ''. The XXXX California Branch told my daughter that " the offer has expired '', just to get rid of her. XXXX XXXX opened her account in the XXXX Ca branch. This bank needs to be investigated, for the dubious treatment and poor business practices. They used up clients money to lend out.
Product: Debt collection

I do not have owe a gas bill. have not had one in my name for over 20 years. and received a dept collection notice with a reduced balance from convergent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I detected many fraudulent accounts reporting on my credit report. My personal information was exposed in several data breaches in XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX mass data breach. This resulted in my identity being stolen and used to open and misuse fraudulent accounts. I REQUEST THIS INFORMATION BE REMOVED IMMEDIATELY. I Remove accounts in compliance to FCRA SECTION 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

We were jacked ( ripped off ) when we moved. We had to put moving costs onto a XXXX XXXX / XXXX XXXX XXXX card. We had just purchased a home ( no mortgage ) and with 800 plus credit scores, we assumed we could grab a HELOC and pay off credit cards within a couple months. We were subjected to a third party consumer information service that had bad outdated information ( XXXX ) This prevented us from obtaining a HELOC from XXXX XXXX XXXX and First Hawaiian Bank. This took 17 months to work through, and did secure a HELOC with XXXX   XXXX XXXX XXXX. As we were declined for credit ( with credit scores of XXXX, interest and penalties accumulated. 

Escrow completed, and the credit union sent checks out. XXXX XXXX / XXXX XXXX XXXX received payment before XXXX XXXX, next day XXXX XXXX XXXX charged off the account and sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX IL. Two days later, the cashed the check and now I have to deal with collections for the full amount plus even more fees. XXXX XXXX XXXX got paid and retain these funds ~ $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Hello my name is XXXX XXXX my chime was. Comprise. Someone has use my card. And chime not trying to pay me my money I didnt authorize that transaction. On XX/XX/XXXX I went to the movies my charge was {$25.00}. That was my XXXX XXXX to last charge. I believe someone at the movies use my card. But I report it 2 days later. They have no proof I own that account. I dont live at that address and nor thats not my name. So why was they able to use my card? Thats so unfair to me my claim gets denied and someone use my card. I need my money.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with Experian, XXXX and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted Experian, XXXX and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. Kindly help me remove the following items : 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter explaining that Experian is reporting that I have an alleged collection account for XXXX XXXX XXXX that is OPEN and with a past due balance of {$960.00}. This is a FCRA violation of requisite METRO2 compliant standards.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were furnished without my knowledge and without my permission .To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I am now demanding for removal Since this is my THIRD, request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : XXXX XXXXXXXX XXXX XXXXXXXX Transunion and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX  All these accounts are also in violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports.I never gave neither party any written signature that allows for these to be furnished upon my report.