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

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX,, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing if from my credit report FCRA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : US DEPT ED : Account number : XXXX U S DEPT OF EDXXXXXXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF ED/XXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF EDXXXXXXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX XXXX : Account number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Account number : XXXXXXXX XXXX | XX/XX/2023 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code XXXXb ( 2 ) and 15 U.S. Code XXXXcXXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Product: Debt collection

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX a XXXX XXXX  credit card account I had before my incarceration was fraudulently used while I was incarcerated without my acknowledgment, consent or permission. XXXX XXXX  charged off and sold the account to a company by the name of midland management were they are seeking payment of this debt that I never occurred, and is reporting it on my credit report
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled " XXXX  XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Checking or savings account

On XX/XX/XXXX XXXX am, I called Marcus by Goldman Sachs to close a CD account. I was told what the penalty would be and I agreed to close the account. I was told it would take between 1 to 3 business days. As of XX/XX/XXXX XXXX am, my CD account has not been closed. I have called Marcus by Goldman Sachs asking for an update on the following dates and times : XX/XX/XXXX XXXX am, XX/XX/XXXX XXXX am, XX/XX/XXXX XXXX pm, XX/XX/XXXX XXXX am. Each time the representative told me that they have many requests at this time and they are working on my request to close the CD account. Marcus by Goldman Sachs is refusing to close my CD account and make these funds available to me. The Deposit Account Agreement, effective XX/XX/XXXX does not state any delay on closing a deposit account where the funds are being transferred into a different deposit account held at Marcus by Goldman Sachs. 

This institution has changed the rules for account closure. Marcus by Goldman Sachs is violating the Deposit Account Agreement. 

As of this time, I have no idea when the funds will be made available to me. I feel the bank does not have the funds available to give me. 

Please investigate this practice and determine the legality of their actions.
Product: Payday loan, title loan, or personal loan

XXXX sends out printed advertising but application for the loan is done online. On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX ) approved a loan in the amount of {$6500.00}. I printed out the email showing that the loan amount of {$6500.00} had a 14.99 % APR and a term of 3 years. I selected these terms on applying for the loan. These terms were repeated in an email on XX/XX/XXXX, when the loan was funded. 
In actual fact, a loan proceed of {$6100.00} was deposited in my checking account. 
When I called the XXXX number on XX/XX/XXXX, I was told that a loan origination fee of {$320.00} was deducted from the amount deposited to my account. The origination fee was not declared on any of the information about the loan I printed out. 
After the fact, I went back to the advertising sent to me and found in closely spaced, tiny 2 point grey print reference to an origination fee. 
The CSR knew who I was, but told me that the origination fee was 5.25 % ( which I converted to XXXX during conversation with him to check the math ). Then he changed the percentage of the origination fee to 4.79 %, and this was correct ( XXXX x XXXX = {$320.00} ).
Product: Credit reporting or other personal consumer reports

I submitted a formal dispute to Equifax on XX/XX/year>, challenging inaccurate information on my credit report. Along with my dispute, I provided all necessary identifying documents, including : A copy of my government-issued ID ( showing my current address ). 
A recent utility bill/bank statement ( proving my address ). 
Despite this, Equifax responded by stating they " can not find my credit file '' with the information I provided. This response is both inaccurate and unreasonable, as I have verified my identity through multiple official documents. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Equifax is required to investigate my dispute and ensure the accuracy of my credit report. Instead, they are improperly delaying my dispute resolution, which is a violation of my rights. 

I have successfully accessed my credit report before and have no issue verifying my identity with other institutions. Equifaxs failure to locate my file raises concerns about the accuracy and completeness of their records, as well as their compliance with federal law.
Product: Debt collection

I had to drop XXXX of XXXX classes at XXXX due to the death of my grandpa ( whom I took care of ). The one I did n't drop was an online class. XXXX did charged me the full amt for the XXXX classes, which I disputed but ultimately paid. Apparently Penn Credit was provided the information to attempt to collect this debt for a commission while I was in dispute proceedings with the school automatically since the debt aged and automatically was provided. I paid XXXX directly the amount owed, and I porovided proof to Penn Credit a couple years ago. However Penn Credit is now attempting to charge me for {$70.00} worth of fees, and have not been able to provide any documentation or proof of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX XXXX over 2 weeks ago and they confirmed that the inaccurate reporting on my credit report will be fixed in 3-5 business days from date XX/XX/XXXX. They informed me {$42.00} balance should be reported on my credit report but instead {$400.00} balance was reported on my credit report dropping my score over XXXX points in the middle of purchasing my first home. I called back XX/XX/XXXX to get a status update only to be informed that they needed proof that the {$400.00} was reporting on my credit report, I sent in a screenshot of my credit report and have not heard from anyone yet. This has prevented me from closing on my home and if I have to pay the the price this company will pay if for me. Its unfair and insensitive to mess up someones credit score in the middle of a big purchase. Fix it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a complaint against Monterey Collections for reporting a collection account on my credit report without providing proper validation of the debt. Despite my request for verification, Monterey Collections has failed to comply with the requirements of the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue On XXXX, XXXX, I discovered a collection account from Monterey Collections on my credit report. 
On XXXX, XXXX, I sent a written request to Monterey Collections to validate the debt under FDCPA Section 809 ( b ). Specifically, I asked for : Proof that the debt is valid. 
Documentation showing I am the rightful debtor. 
Evidence that Monterey Collections has the authority to collect the debt. 
Monterey Collections has not provided the requested validation, yet the account remains on my credit report, negatively affecting my credit score and financial standing.

Violations FDCPA Section 809 ( b ) : Debt collectors must validate a debt upon request and suspend collection or reporting activities until validation is provided.

FCRA Section 623 ( a ) : Credit furnishers must ensure all reported information is accurate and verified.
Product: Debt collection

I sent two validation letters by certified mail on XX/XX/XXXX and XX/XX/XXXX to Bay Area Receivables in XXXX, MD to receive proof that the debt of {$700.00} is actually mine. According to the FDCPA, I am entitled to request this information. I have received ZERO responses from the company and every month they are continuing to report this debt on my credit report.I am seeking legal action against them unless they remove this collection or send me some validation.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX have my Santander Consumer USA account as a Charge-Off which is certificate of indebtedness. Its now income and it needs to be removed. Which is a violation of my privacy rights under XXXX. 

Date : XX/XX/XXXX Amount : {$15000.00}
Product: Debt collection

I asked them to please provide an itemized listed of charges. They have refused. I offered to pay 50 % to settle and they told me theyll see me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX continue to violate federal laws but reporting late payments in which is not considered part of credit transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in correspondence with the three Bureaus about the misuse of my credit report and they responded with a superficial answer not even addressing the complaint. I'm requesting a thorough investigation of matters and my report corrected. I've asked reporting agencies to not place items on my report without my written permission. However, they have ignored my appeal and I am now requesting CFPB to correct this matter, so I don't have to contact the Attorney General. 
In accordance with the fair credit reporting act 15 U.S.C 1681 section 602A my rights have been violated because i have the right to privacy. Also, 15 U.S.C 1681 section 604A also states a consumer reporting agency can not furnish acct info without my written instruction. 
These companies continue to report after my request to stop : XXXX XXXX XXXX  acct # XXXX ( XXXX  XXXX XXXX XXXX XXXX ). XXXX  XXXX acct # XXXX. XXXX XXXX acct XXXX XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX have all violated my rights and i want the accts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : inquiry 1.XXXX XXXX XXXX ( XX/XX/2023 ) Inquiry 2.XXXX XXXX XXXX  ( XX/XX/2023 ) Inquiry 3. XXXX ( XX/XX/2023 ) reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 

1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
2. 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: Debt collection

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on XXXX HIPAA violations and XXXX XXXX, State, XXXX Federal authorities, the CFPB, BBB and XXXX Bar XXXX for violations of the FDCPA, FCRA, and Federal and XXXX XXXX XXXX illegal collection activities on any account that XXXX be time-barred as well as in violation of Kansas XXXX privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages.
Product: Debt collection

I submitted a Dispute Letter to the company and according to them they are stating that the account belongs to me without verification of the debt whatsoever. 
In my dispute letter XXXX asked for specific information, of which they have failed to provide to me as per my request. 
I did not sign a contract with this company that binds them to me and me to them. So how can they state that I owe them any money? I DO NOT owe this debt to them as they are stating.
Product: Bank account or service

I purchased an item online from XXXX XXXX XXXX ( XXXX ), but they did not ship the item. When I contacted them they refused to provide a refund. I contacted my debit card issuer ( XXXX ) and all I have gotten is the runaround, no provisional credit, nothing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank ss ( XXXX # same inquiries ) wasnt able to provide contract agreement details of fraudulent loans. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they wasnt able to provide contract agreement details of fraudulent activities to obtain retail credit nor activities related to me documented. And XXXX, Its reported as well fraudulent on the EXPERIAN CREDIT REPORT. Identity theft reports as well as police reports and complaints and disputes of EXPERIAN VIOLATIONS to my privacy, and slander of these false reporting to my report.EXPERIAN CREDIT AGENCY fails to comply with the fcra, XXXX, and the cfpb
Product: Debt collection

Original debt owed was to an emergency room, which I was never contacted by until a third party collector contacted me. Once contacted I paid immediately. Several years later they will not remove the account from my credit even though it is a medical bill.
Product: Credit reporting or other personal consumer reports

TransUnion is refusing to look into the inquiries I have informed them that are not mine. I have no recollection of such accounts. 

XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 consent. And with out supporting that proof written consent the accounts must be removed from credit report.