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 USU 1681 Account Name : XXXX XXXX XXXX XXXXXXXX ; Account Name : 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 other adverse items 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

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is guilty of violating my rights under the Fair Credit Reporting Act, Section 609 They are not reporting all of my accounts despite the vendor 's timely notification. 

They are not accurately reporting my accounts, instead showing incorrect balances. 

There inquiries on my credit report I didn't authorize.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXccount # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX have all violated my rights .

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX 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 card

My credit report has incorrect information claiming I was late, but I've never been late.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally inform the Bureau of my recent experience with LVNV FUNDING LLC/C/O RESURGENT CAPITAL SERVICES Debt Collectors concerning an alleged debt that they have purchased. I believe that their actions have violated my consumer rights and relevant laws governing debt collection practices. 

XXXX XXXX XXXX Attempt to Validate Debt On XX/XX/year>, I reached out to LNV Debt Collectors to request validation of an alleged debt that they claim I owe. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which stipulates that a debt collector must provide clear validation of the debt upon request. 

# XXXX XXXX Violation of Consumer Rights Despite my request for validation, LNV Debt Collectors did not contact me directly to provide the necessary documentation or information verifying the debt. Instead, they reported this alleged debt to the credit bureaus, resulting in a negative impact on my credit report. This action constitutes a violation of my rights as a consumer under the FDCPA, which prohibits debt collectors from misrepresenting the nature of a debt and requires them to cease collection efforts until proper validation is provided. 

XXXX XXXX XXXX  Lack of Written Permission from the Original Creditor Furthermore, I would like to point out that LNV Debt Collectors did not have my written consent to obtain information from the original creditor and report it to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), reporting negative information to credit bureaus without the consumer 's consent can constitute a violation of consumer rights. The original creditor must provide appropriate documentation to establish their right to assign the debt to a third party, which includes obtaining my consent. 

XXXX XXXX XXXX  Relevant Laws The following laws govern my complaint : - Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from engaging in abusive, deceptive, or unfair practices in the collection of debts. 
- Fair Credit Reporting Act ( FCRA ) : Regulates the collection, dissemination, and use of consumer information, including credit information, and requires that consumer reporting agencies maintain accurate information. 

XXXX XXXX XXXX Request for Action I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against LNV Debt Collectors for their failure to comply with federal laws governing debt collection practices. Additionally, I seek assistance in correcting my credit report to remove any negative entries resulting from this alleged debt that has not been properly validated. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I filed a claim about an altered check ( in the amount of {$4300.00} ) with Chase bank and sent in the required documentation via an in-person banker at a bank branch around XXXX on XX/XX/XXXX. The branch is located at XXXX XXXX XXXX in XXXX. Since then, XXXX has refused to provide updates, accurate information, or any help in resolving this matter. After XXXX weeks of assuring both myself and their branch banker that the process to refund my funds was in progress, the fraud department has now said that they never received the proper documentation. 

I saw the banker, XXXX, submit that documentation and confirm with the fraud department that the documentation was received. I also spoke with the fraud department on multiple occasions and they assured me the proper paperwork was in their possession. They berated me for calling to check. 

XXXX  XXXX XXXX, the bank at which the fraudster attempted to deposit/cash the altered check alerted me of the fraud and is holding the funds on my behalf. XXXX  XXXX XXXX can not release these funds until Chase contacts them. Chase refuses to follow up with XXXX  XXXX XXXX or properly process my claim. I've spent over XXXX hours trying to solve this issue over the past XXXX weeks. 

Chase bank is a ) not processing my fraud claim, b ) refusing to provide necessary or accurate information and c ) refusing to allow me to use my new checking account to make purchases since my old checking account is restricted due to fraud. 

Below I've attached the required forms I submitted to Chase, as well as a copy of the fraudulent check and a previous non-altered check with my handwriting for comparison.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act U.S. Department of Education Account XXXX, U.S. Department of Education Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Account 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
Product: Credit card

On XX/XX/year>, I used my citi bank cc at the citi bank ATM to cash advance XXXX XXXX The ATM did not dispense the cash and I was still charged XXXX XXXX on my account. I disputed the transaction on XX/XX/year> and the banks decision was " your dispute is resolved and no credit has been issued '' I have contacted the bank numerous times regarding this issue and and as of today XX/XX/year>, the bank has refused to give the XXXX  XXXX plus all the internet back.
Product: Credit card or prepaid card

ON XX/XX/2019 I APPLIED FOR XXXX XXXX APPLICATION NO.XXXX AND ORDER {$420.00}, ORDER NO.XXXX. THEY ATTEMPTED TO PULL XXXX   BUT AT THE TIME HAD A SECURITY ALLERT SEE ATTACHED.
Product: Debt collection

I am tired of XXXX trying to collect on a debt I Do Not owe. XXXX had sent an account to a debt buyer under the name XXXX  XXXX, I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. Around XX/XX/2018 I was notified that XXXX XXXX had reported on my reports and the original creditor was XXXX. I received a collection letter from Convergent claiming I owed the debt so I requested a Debt Validation and they Did Not validate the debt as mine nor did they supply me with the original contract with my name on it. They merely sent to me a bill print out. XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector after its removed from my credit reports. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX and have included it in this complaint.
Product: Credit card or prepaid card

Can not activate my card from Texas Unemployment through Us Bank Reliacard. Tried the website and it won't work. Tried the app and tried calling. I can not use my card.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that there are inquiries that I did not authorize
Product: Credit card

On XXXX XXXX, XXXX I received a bill for XXXX charges made on Citibank Credit Card XXXX in the amount of XXXX and XXXX made NOT BY ME at XXXX in Wisconsin. I have never been to Wisconsin. I did not make these charges. The account had a XXXX balance, I had cut up the card and I had not used it since XXXX. I contacted Citibank Credit Card then, in XXXX XXXX, about the fraudulent charges and they said they would resolve the problem. I continue to receive bills for these XXXX charges and now monthly late fees. I continue to call Citibank to no avail. I just spoke to another operator in XXXX who was no help. I have talked to operators in XXXX, XXXX, Kentucky, and other cities in the XXXX speaking world, told them about the fraudulent charges and the late fees and nobody has done anything about it. I continue to receive phone calls, text messages, and bills on these charges and the late fees which accrue upon them.
Product: Credit reporting or other personal consumer reports

Transunion is reporting information that is inaccurate and causing me irreparable harm to my financial profile and relationships with lenders and future investments. I have supplied documentation of my request to Transunion for the information to be corrected and removed to no prevail. I have the right to accurate reporting on my consumer report and Transunion is unlawfully ignoring that right by reporting inaccurate information willing.
Product: Credit reporting or other personal consumer reports

I am writing to demand the removal of inaccurate personal information from my credit report maintained by your bureau. 
I have recently reviewed my credit report and have identified several discrepancies that need to be rectified, immediately. 
I have attached copies of supporting documents that clearly demonstrate the inaccuracies mentioned above, such as government-issued identification card, utility bills, or any other official documents validating my accurate personal information. I kindly request that you delete the inaccurate personal information from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have being trying to get a personal loan since XXXX... XXXX is being denied because an auto loan i have i showing up XXXX on my credit report ( Experian ). I tried calling almost every day since and no one has helped in trying to get issue resolved .I have spoken to XXXX managers and all they say is they will have someone work on it and escalate it higher up and same thing... Experian will take up to 30 days to get issued resolved since i did try to dispute it XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MI XXXX ..One of the supervisor did tell me they had migrated to a different system and everything was transferred over,,, Seems XXXX shows it last updated back in XXXX and the other had updated every month like it should and of course it is showing XXXX different amounts,, I did sent proof on XXXX where my credit report is showing there account XXXX and I only have XXXX auto loan with them.
Product: Credit reporting or other personal consumer reports

Dear human being, To whom it may concern, Listen I am going to be brief with here. 

Do you think that messing with people 's financial life is a joke or is fun. 

Ever since 2020 when I first when I first became that there were corrupted items on my consumer credit report and I file complaint about them to you ( Entities : XXXX, XXXX and Experian ) this the same response that you have always given " Company is still working on your issue. '' All the all you have done is using stall tactics even I hired multiple credit repair agencies to help deal with those corrupted items that you had placed on my consumer credit report. So you used all kinds of stall tactics and even blocked me from having access to my consumer credit reports. Till when are you planning to keep on working on my issues and never doing anything worthwhile. Listen, I have plans to start a business I haven't started because I need finances but with all those corrupted items on my consumer credit report the interest on any loan would be to high and also the loans are hard to get. 

My question is till when are planning of working on my issues and never doing anything worthwhile? 

Listen, I am disputing any negative items that is fraudulently reporting on my consumer credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card , to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information. 
3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I went to take out an auto loan and found a mark on my credit report that surprised me since I 'm still a customer. Associate Credit 's customer XXXX gave them a wrong address to contact me with a past due bill. I have been a customer of XXXX since 2006. XXXX uses social security numbers to identify customers to accounts. Associate Credit did not attempt to collect information from their customer after not being able to reach me by phone or mail and simply just reported me to XXXX XXXX. If they had made contact with their customer, they could have found the error themselves or could have obtained my current address. This has caused damage to my credit. I was unable to obtain an auto loan due to this error. If I had been contacted with this bill of {$130.00}, I would have paid it immediately. I 'm also filing a complaint against XXXX for not combining the XXXX bills, since I 'm still a customer with them.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number:XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX, XXXX, undefined
Product: Credit card or prepaid card

I opened a Barclays bank account a while ago that charged off. Since then the account was placed with XXXX XXXX a collection agency. The account was sent by them to XXXX XXXX XXXX. I have been trying for a week or so to reach them regarding the debt but they dont answer and they dont call back. I have brought this to the attention of XXXX XXXX 3 times and they have failed to tell me how to resolve if the debt is placed with a non communicative attorney. XXXX XXXX XXXX XXXX XXXX XXXX  They have conveniently removed the complaint tab from their site
Product: Mortgage

As of XX/XX/XXXXXXXX XXXX XXXX I talked with executive team about my matter regarding falling behind with Mortgage because of family becoming ill. They ignore on helping me and can't reach the party that was supposed to help me. This problem has been going on too long now and just want to resume my mortgage at a timely matter but there customer service dept at so many level is HORRIBLE PERIOD and also in closing they have been reported to the media on how they treat there customers including us
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through XXXX and they sold the contract to XXXX. XXXX then proceeded to unlawfully share my personal information with XXXX, XXXX and Equifax. I reached out to XXXX in an attempt to resolve this situation by opting out of them reporting my information without my permission via 15 USC 6802 B, but I was told that they indeed had this right and would continue to report it. I urged to them that they were violating 15 USC 6801 ( Protection of non-public information ), 16 CFR 313.1 ( purpose and scope of non-public info ) and The privacy Act of 1974. They admitted to me over the phone that the account is charged off, which makes it a certificate of indebtedness, which is illegal to have on credit reports via the IRS. Despite all of this, they have refused to remove this from my credit report and opt me out of them reporting to the credit agencies concerning my private information. I informed them that I intend to take this manner to federal court if it is not resolved swiftly and amicably.