23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX. XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

ALSO, The list of unauthorized inquiries below, XXXX. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Ive noticed on my report. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request
Product: Mortgage

I called them many times since online doesnt show any mortgage statement since XXXX, they kept saying they will send us one but never did. Then I called today they said a manager put a block on any from genegerting until after XXXX, which is against federal law. They wont do anything about it, they are rude every single time and dont care if they are breaking the law I am about to sue them if they dont fix it. Attached is proof no statements since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has inaccurately reported my account as late for the 2nd straight month, this information is inaccurate and XXXX said they fixed this last month XXXX XX/XX/2021 ) and admitted they reported inaccurate information, yet today ( XX/XX/2021 ) I received notification that once again XXXX has once again flagged/reported my account as late, again this is inaccurate as my account is paid in full until XX/XX/2021 XXXX
Product: Credit reporting

I have XXXX accounts opened between XX/XX/XXXX- XX/XX/XXXX for the US Department of Education XXXX I have disputed the reporting due to the account was consolidated in XX/XX/XXXX. The account is showing a collection status for XX/XX/XXXX and XX/XX/XXXX. This incorrect reporting has damaged my report. I spoke with the Dept of Education and they have denied the reporting of a collection in XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX This account is an identity theft and was opened without my authorization. 

Please deleted this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Section 1681i Obligations of credit reporting agencies : Dispute Investigation : When a consumer disputes the accuracy of the information contained in his or her credit report, this section establishes the credit reporting agencies ' obligation to conduct a full and fair investigation or reinvestigation. 

Notification or removal of incorrect information : If during the investigation it is found that the information is inaccurate or can not be verified, the agency must correct or remove the incorrect information in the credit report.
Product: Student loan

I have already filed XXXX complaint case # XXXX. I have received a satisfaction of judgement since the account has been paid off since XXXX, but the problem is they ( Wells Fargo ) have never reported it as a judgement, they have reported it as a collection account all along. I tried putting a dispute through the XXXX credit bureaus but they denied all XXXX in beginning of XXXX for an account paid in XXXX. I need a letter from Wells stating that the collection has been paid so I can get it fixed on credit, the satisfaction of judgement references no account number and does not show on credit report as such. I have called SEVERAL times once again and they keep giving me the run around. I need a letter that matches what they reported on my credit report.
Product: Debt collection

After a detailed review of my latest credit report, I noticed several incorrect accounts that I believe were added fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$160.00}, Medical XXXX Balance : {$770.00}, Medical XXXX Balance : {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

We moved from XXXX California to XXXX California. Prior to the move I attempted to switch our phone service to XXXX. I was unable to perform the service online and was told I needed to appear in person with identification. 

I appeared as directed at the XXXX store in XXXX, CA. The Application number is XXXX. In person, I showed my drivers license, provided my SSN, and also showed my US passport as a second form of identification to the XXXX person. I was then handed a cell phone to talk to a third party on a phone and directed to answer a series of questions from the agent on the phone. This agent did not identify themselves. I was asked three questions. Two questions were not applicable to me, the third was applicable. I answered the questions - but the agent indicated that my identity could not be established. 

Searching online indicates that the 3rd party on the phone was a representative of Equifax, which XXXX uses to verify credit. 

I should note that our credit score is good, as verified most recently by the agent through which we rented an apartment in XXXX CA, and that I was bringing my own compatible cell phone to XXXX. ( Aside from service, I did not require the lease of a XXXX compatible phone - so I was not asking for credit other than the ability to pay with my XXXX XXXX card. ) I finally received two letters from XXXX, indicating why I was denied service - " Identity could not be established ''. 

Today ( XX/XX/18 ) I checked my credit report with Equifax. All payment, mortgage, and card information appears to be correct. 

However, my previous addresses where I have lived are not correct. Our previous address in XXXX is listed as the current address and our now current address in XXXX is listed as our previous address. In addition, my credit report shows a previous living address of XXXX XXXX XXXX XXXX in XXXX CA. This is not an address where I lived, but an address where I worked as XXXX XXXX XXXX is the location of XXXX XXXX XXXX where I worked as an adjunct professor at night in addition to my day job at XXXX XXXX XXXX XXXX as a XXXX. 

I attempted to correct this information using the online submission dispute form at the Equifax website. To verify my identity I was asked a series of 4 questions. No questions were relevent so I answered " None of the Above ''. The answers to these questions were verified with the credit report that I just received and downloaded. 

I have attached a screen shot of the Equifax questions as proof of this nonsense. 

( I have also attached the previous 4 identification confirmation questions ( 2 screenshots ) that allowed me to access my credit report in the first place. 

The online information correction service of Equifax blocked me from submitting my corrected address information as, again, I was informed that my identity could not be confirmed. 

This " identify confirmation '' using these randomly generated questions appears to be problematic. The issue appears to be with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00}
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account XXXX : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting false information and preventing me from moving into my place. They have on a screening that I was evicted but I never was evicted and I live in my place that they are reporting. Also they are reporting an andrews account that doesnt belong to me and since Im going to my lawyer because this is becoming overwhelming and it was removed and then re appeared. This is not my collection and for three years I have been fighting. This is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion 's page for credit freeze has been down or non-functional since the XXXX hack last week. There has been no response from the company. As of now, it is not possible to freeze credit with TransUnion. 

https : //freeze.transunion.com/index.jsp
Product: Money transfer, virtual currency, or money service

I had an old venmo account linked to my old phone number and email address ( email is now closed ). I was able to contact the person with my old number to try to get logged into my old venmo, but I couldn't contact a live person to help get me into my old account. I had somebody send money to the old account on accident and now can not access the account or money.
Product: Credit card or prepaid card

Discover closed my account for inactivity without notification despite the fact that it was in good standing for 24 years. This has caused my credit score to lower and is disrespectful to a long standing customer.
Product: Checking or savings account

Both my checking and my savings accounts have been restricted with no access to the funds for a week. I called to resolve and was met with " we are still investigating '' with no timeline for resolution and a statement that we can have the investigator reach out to you within 3-5 business days. At this point I have bills that are not being paid and additional charges that I am incurring with no remediation in sight from Capital One. I understand fraud risk and after my identify was sufficiently authenticated there was still no attempt to ameliorate the situation, no provisional credit, no transitioning to another account that didn't have fraud associated with it to mitigate the risk of loss, just a blanket statement that they can not do anything until the investigation is complete.
Product: Money transfer, virtual currency, or money service

I had {$300.00} on my cash app and I was scammed and I put in a complaint with cash app and was told by cash app they could no help me recover my money bad
Product: Credit reporting or other personal consumer reports

I DEMAND ALL NEGATIVE, DEROGATORY ITEMS, MEDICAL DEBT AND LATE PAYMENTS DELETED IMMEDIATELY FROM MY CONSUMER REPORT ( 18usc 1341 Frauds and Swindles ) Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the XXXX XXXX XXXX Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than XXXX XXXX  or imprisoned not more than 30 years, or both.
Product: Credit reporting or other personal consumer reports

Ive identified errors on my credit report involving 15 USC 1681c-2, where hard inquiries were made without my permission. Please remove all unauthorized inquiries. Thanks!
Product: Checking or savings account

Citbank {$400.00} promotion.

At Bank : $ XXXX  for 60 days. Promotion will hit on the 90th day after I deposit $ XXXX Phone call @ 90 Day Mark : $ XXXX for 60 days. Promotion will hit on the 90th day after the initial 60 days.

Phone call @ 150 Day Mark : $ XXXX   within first 30 days. $ XXXX for 60 days after the first 30 days. Promotion will hit on the 90th day after the initial 60 days. Then the representative realized she made a mistake and will have to push it to investigation. Someone will get back to me within the next 10 business days.

This is 100 % deception to have people open accounts and keep them open for as long as possible. Willing to enter class action law suit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Collection System, INC. violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. On XX/XX/2022, XX/XX/2022, and XX/XX/2022 ; i received a call from Specialized Collection System , Inc. trying to communicate with me in an attempt to collect a debt. In which, the phone calls i received violated my rights as a consumer.
Product: Credit card

On XXXX XXXX, 2015, I was traveling with my wife on XXXX XXXX Flight number XXXX from XXXX to XXXX. The pilot came on the speaker at approximately XXXX CDT and announced that if we applied for an XXXX XXXX Advantage Card, we would receive a sign up bonus of XXXX frequent flyer miles and if we turned the application back into the flight attendant while on board we would receive an additional XXXX frequent flyer miles. Both my wife and I applied and turned our applications into the flight attendant. When the flight attendant brought us the application and we saw it only mentioned XXXX miles in the application, we questioned her to make sure we understood that if we applied, met the other qualifications ( spend {$3000.00} within 90 days ) and were approved and it occurred while on board, we would received a total of XXXX frequent flyer miles. The flight attendant assured us that this was correct. Also the application noted our flight number ( XXXX ) next to our signatures. 
We were both approved and when the literature arrived, describing the card and its benefits, it did not mention any supplemental benefit, i.e., the additional XXXX miles. I immediately called Citibank and spoke to a representative and gave him all of the details. I received a letter on Friday XX/XX/XXXX that said they had investigated my complaint and they advised they could not approve the additional miles. I have covered my damages by buying XXXX miles for {$860.00} today. I observed several other passengers apply the same time I did, so there may as many as XXXX-XXXX other parties affected. They would be easy to find as the application date would be XX/XX/XXXX, XX/XX/XXXX or at most the XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

RE : Discrepancy in Credit Report Listings XXXX ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( # XXXX ) across the three major credit bureaus - TransUnion, XXXX, and XXXX XXXX My recent review of my credit reports revealed inconsistent information regarding the open date of this account. TransUnion 's report shows an open date of XX/XX/2020, while XXXX reports the open date as XX/XX/2020 and XXXX is reporting XX/XX/2020 also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, TransUnion and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX