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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$580.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed an account with Security Finance twice for incorrect information being reported on my credit report. I requested that the company provide documentation to prove the payment history because the payment history is reporting inaccurate and incomplete information, which is a violation of the Fair Credit Reporting Act. The company did not provide documentation of the payment history. It has been 3 months since they received my dispute. The time is up to respond and now this account must be deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting acXXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It states a consumer furnish an account without written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

They just closed my account down and took the funds is more than {$200.00} can you write my check? If youre closing the account, XXXX return the XXXX plus XXXX the {$44.00} + XXXX XXXX etc from the savings also I have proof of submitting the documents you requested but said you didnt and took my money out the account pls write my check I need the money the overdraft was a lie you created that to have a problem of something to close the account about I expect my full money back else we will take this to the state next and you might end up paying more in damages I know the law too
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX  & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/year>
Product: Student loan

In XX/XX/year> the State of XXXX Attorney General 's office dismissed all of my private student loans I had consolidated with XXXX XXXX. Nelnet now services my remaining student loans. Before Nelnet it was XXXX and XXXX XXXX was the original. 

The balance on my current student loans ( according to Nelnet ) is {$360000.00}. The statement indicates that the original principal was {$86000.00}. I wrote Nelnet for verification that the private student loan balances were no longer part of their collections. After XXXX emails for clarification Nelnet 's last email stated that my promissory note considering my question will answer this question and to just look it up on the website. 

Obviously, it is not. Nor has the dismissal ever been recognized by all XXXX collection agencies ( XXXX, XXXX and Nelnet ). A Promissory note does not include such information. Their lack of transparency and lack of help is the reason why the XXXX XXXXismissed the private student loans to begin with. And, if it is so easy to find on their website why didn't they send me a copy of the dismissal notice in the first place? 

Obviously, I'm concerned that the federal student loans are accumulating interest from the private student loans and want assurances that they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX   I went t o Virgin Americas w ebsite to look into booking a flight on their airline. Through that process I came across a credit card and decided to apply. I was instantly approved with  a credit score of    XXXX . About a week later my new card arrived in the mail and as I attempted to activate it and make a purchase I realized that the card was not working. I then reached out to Comenity Bank who issues  the Visa and  they explained to me that my account had been closed and a letter would be mailed to my house. Come to find out the account was closed due to the product not being offered anymore through the bank and company due to the merging of them and another airline  XXXX . I have reached out to Comenity Bank to get them removed the inquiry and account off of my credit report to no avail. I should never been allowed to apply for their credit card if they never intended for me to own it and therefore it would have never resulted in an inquiry and account. I have filed a dispute with  XXXX  of the credit bureaus but its a lot of work to try and get them all done and I need my governments help with the matter as this appears to me to a violation of  the Truth in Lending regu lation due to it being a deceptive practice that result in real damages to my credit scores across the board. Thank you -  XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of XXXX. 
The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

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

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS REGIONALAC Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
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 has violated my rights. Or a 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, 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 - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX- Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Original Creditor XXXX Acct XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX, have 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

I am writing this complaint to TELETRACK I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


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

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

15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take 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 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a 9- month CD with TD bank that will mature on XXXX XXXX, 2024. Prior to opening the account I read all the information on the TD website about what happens when the CD matures. It did not say anywhere that you must show up in person to collect the funds. If it did, I would have not opened this account. I called TD bank customer service on XX/XX/XXXX to ask them to please move the funds into my TD checking account upon maturity date. I was told that in order to do that, I was required to go to my local branch and move the funds in person. I explained that I was a XXXX XXXX XXXX woman and physically unable to leave my home. They suggested I call my local branch. When I called the local branch, the manager repeated that I must be in person. I again explained that I couldn't leave my home and he said he would call me today, XX/XX/XXXX, to discuss further. I never heard from him. While I will call him back tomorrow, this has been very upsetting for me. I am on a fixed income and due to medical expenses, need some of this money when the CD matures. I don't want a check mailed to me. I simply want the funds rolled into my TD checking account. Thank you.
Product: Credit reporting or other personal consumer reports

I demand for this hard inquiries to be removed from my Credit report as soon as possible. Unauthorized hard inquiries from my credit report : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX Also the following personal information are incorrect and should be removed from my report : Also Known As : XXXX XXXX, Also Known As : XXXX, XXXX, XXXXXXXX, Also Known As : XXXX XXXX XXXX, Also Known As : XXXX XXXX XXXX, Also Known As : XXXX, XXXX, XXXX, Also Known As : XXXX XXXX XXXX XXXX, Also Known As : XXXX XXXX XXXX, Also Known As : XXXX XXXX, Also Known As : XXXX A XXXX All previous addresses reporting needs to be removed from my report as they are incorrect information! 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX  XXXX {$130.00} XXXX {$300.00} XXXX  XXXX XXXX {$1600.00} XXXX  XXXX {$3300.00} CHAPTERXXXXBANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTERXXXXBANRUPTCY DISMISSEDXXXX  {$0.00}
Product: Checking or savings account

I receive Social Security/SSI benefits. In XXXX of XXXX, the SS Admin. notified me that a bank account at BBVA ( and also USA Bank ) was opened in my name, and someone deposited $ XXXXSocial Security considers this to be my money and it is not. I did not open this account and I had no access to it. The money was apparently withdrawn, but the account was left open. I immediately notified BBVA, the FTC, the IRS, and the local Sheriff Dept. I was told by BBVA customer representative that the account was successfully reported as fraud, and frozen. The rep told me I would receive some documents via email for me to submit to verify my identity. I never did receive anything from BBVA until XXXX, XXXX, ONE YEAR LATER. The email came randomly and I was not expecting it. It was one week after I left urgent emails to the person handling my account, and I specifically asked her to send whatever documents were needed to resolve this to my P.O. Box! So I did not look for this email because it was totally random. The Social Security Administration began sending me notifications that the {$5000.00} means they have " over paid '' me, and they will now deduct {$95.00} each month from my benefits. Finally I made a very aggressive effort to contact the person handling the account by contacting local bank branches and demanding that I make direct contact with the person handling my account. She called me while I was on the phone with BBVA asking to speak to a supervisor so I dropped the call and finally, more than one year later made direct contact with the person handling my account. She told me a new " investigation '' has to be opened. I have submitted all the necessary documentation needed to verify my identity and to verify that I have reported this matter to law enforcement. I submitted two FTC complaints, one for the BBVA account, and one affidavit to the IRS for identity theft. I also provided the case number for the identity theft report from the local Sheriff 's Office. I have spent hours and hours and hours on the phone trying to resolve this issue with customer service reps. Countless times I have been forwarded to voice mail. Although it appears that BBVA has the documentation they need to close this account, I need verification that I can provide to Social Security that this is not my account. Social Security will begin deducting {$95.00} per month effective XX/XX/XXXX as a result of the neglect of BBVA to handle this case. BBVA has completely neglected to resolve this within a timely manner and now they are saying they need to conduct a " new investigation. '' I need to provide verification to Social Security immediately! There is no more time to wait.
Product: Credit reporting

I fought this medical debt over a XXXX w/my insurance for XXXX years, it is now paid in full by me, but there are several things wrong in the details. XXXX. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.XXXX.delinquent date is listed as XXXX, WHEN I was still in the hosp I was already delinquent? XXXX. terms are listed as XXXX month? there was no terms.XXXXIt lists a high balance for credit limit, being a medical bill there was no credit limit.XXXX.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.XXXX.All XXXX credit agencies have different dates of XXXX reporting.XXXX was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was XXXX and needed help that XXXX time I should be punished after the fact, and for XXXX more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Call into Citi card in XX/XX/2020 about deferred payments when COVID 19 negatively affected our plumbing business which is our only source of income. Was told we would be deferred for 3 months and it was early in the process and they were still figuring everything out. We were not contacted or called until I got a notification from the credit bureau that I was three months behind. So not only did they report to credit bureaus that we are 90 days late, but now they want 3 months of payment and stated that we are not eligible for any COVID relief. They said they didnt contact us because we were on a no contact list.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax to the CFPB due to their failure to adequately respond to my dispute attempts regarding inaccurate items on my credit report. On XX/XX/XXXX, I mailed a dispute letter to Equifax requesting an investigation into the inaccuracies. Additionally, I disputed incorrect personal information listed on my credit report. 

Despite my initial dispute, I did not receive any response from Equifax regarding the investigation results. Subsequently, I sent another dispute letter on XX/XX/XXXX. In response, on XX/XX/XXXX, Equifax provided a vague response stating that the member number submitted was not reporting as an inquiry on my credit file and asked me to verify the member number and resubmit my dispute online. However, this did not address the inaccuracies I had disputed. 

I continued to send additional disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite multiple attempts, I have not received a single response from Equifax regarding any of my disputes. 

Under the Fair Credit Reporting Act, credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. It is evident that Equifax has failed to fulfill this obligation by not conducting a reasonable investigation upon receipt of my disputes.
Product: Debt collection

I was contacted Via phone by this company and they tried to extract personal information from me but didnt disclose they were doing so to collect a debt. When I asked if they were a debt collector they said were IC Systems and when I kept asking they kept repeating the same answer. Debt collectors are supposed to tell you they are calling in attempt to collect a debt. They wanted all my personal information and didnt disclose they were trying to collect a debt. They need to disclose theyre a debt collector before they talk to you.