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

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. The accounts on my account are fraudulent and does not belong to me. Here are the accounts : XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXXXXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission or acknowledgment.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : OXXXX 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 or prepaid card

I was charged XXXX someone has been using my account so I froze in unaware and they are looking into I made a police report
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Wells Fargo Bank , N.A . 
Attn : Cease and Desist XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Letter Violation Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Dear Sir/Madam, This letter notifies you that Wells Fargo violated the cease and desist letter dated XX/XX/XXXX to currently, a copy of which is attached. Specifically, you or contacted me despite the prohibition. This breached our agreement and caused emotional distress. 
We demand immediate cessation of these actions and that you remove account from consumer report and reimburse {$10000.00}. Failure to comply within 30 days will force us to pursue arbitration as outlined. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly XXXX! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

XXXX XXXX XXXX is re-reporting a collection that I disputed in XX/XX/2018. The collection in question was subsequently deleted after the collection agency failed to properly validate the debt in question ... now they have reported it again to the credit bureau and have still not validated the debt per the Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ) ... Furthermore they are in direct violation of the Federal Hippa Laws ... A breach of protected health information ( PHI ) is defined as the acquisition, access, use, or disclosure of unsecured PHI, in a manner not permitted by HIPAA, which poses a significant risk of financial, reputational, or other harm to the affected individual.
Product: Debt collection

XXXX sent me a bill. The bill was not mine and I had called XXXX claiming it was not mine. XXXX made me fill out a fraudulent report and they assured me that everything was taken care of. Months later, I have been notified that I am in collections after being assured by XXXX that everything was cleared up.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, its clear that the errors on it are even more troubling than the state of the economy. Seeing so much inaccurate information is overwhelming and causing me significant stress. Its disheartening that I have to deal with this, especially when these inaccuracies are dragging down my credit score. The thought of not even being able to afford help, like a XXXX, because my credit cards would be declined is deeply upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out reports to the credit bureaus they verify accounts was factural, but accounts showing incorrect open dates, reported dates, active dates. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit bureaus and let them know the following accounts on my credit report should not be there and are not to be reported to my credit. 



XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number : XXXX XXXX. account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX This is aggravated identity theft. I never gave them written consent to report them. This notice is to inform you that you are unlawfully reporting unathorized items on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with theses companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, to dispute an account, in which ; the statutes of limitations have already expired. XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

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

Based On, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of a negative account and inquiries today XX/XX/2020 when I was denied from getting a car loan with XXXX XXXX XXXX XXXX. I was denied from getting an auto loan because there is an account with negative payment history on my credit as well as several inquiries ; None of these items belong to me nor did I allow anyone to open this account or make these inquiries on my behalf. I am not affiliated to any of the companies listed on this report nor did I gain anything from this account and inquiries that were made in my name without my permission. I never made any payments or purchases towards this account. I have filed a police report and notified the company regarding this suspicious account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion, XXXX, and XXXX four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.
Product: Credit card

My attempts at securing a travel rewards credit card with DISCOVER were a joke. 

They requested proof of address and proof of social security coverage. I submitted a statement from XXXX insurance with my proper address on it. 

At the same time I submitted a page from US.gov.socialsecurity with a copy of my social security card at the bottom. 

When I called to verify the receiving of this information, I was told that the social security card was too dark and that the XXXX statement did not have a date on it. 

Because I am visiting family away from home I was attempting to secure this card before I have to pay off some large upcoming bills. 

This was very frustrating. I began by trying to submit the documentation electronically via computer. The DISCOVER card system only accepts certain types of files, not including WORD. Attempts to try to convert to these files were unsuccessful. So the next step was going to the local library to make copies of the above mentioned files. Next was a trip to XXXX to pay {$2.00} to fax this information to DISCOVER. 

I had spoken to a person a few days before and they assured me that my documentation would be acceptable. Now after running around to try and provide acceptable documentation, I am told that what I submitted is not acceptable. 

The irony is that I have outstanding credit and DISCOVER has just lost a very serious customer who had planned to use this card as my primary credit card. 

CONGRATULATIONS DISCOVER! You just alienated a loyal potential customer. Your loss. There are other companies that want my business. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX refuse to update my credit file by removing an inaccurate listing reported by XXXX XXXX XXXX. I requested an investigation from XXXX, Equifax, and XXXX to have them remove the account due to inaccuracy. All three agencies ( Equifax, XXXX, and XXXX  ) stated that they verified the  information being reported as " accurate '' and no changes were made to my reports. 

XXXX XXXX XXXX which is the account administrator for XXXX XXXX XXXX informed me via USPS mail that, " NO ACCOUNT EXISTS IN OUR SYSTEM OF RECORD FOR XXXX XXXX. '' Therefore, this collection account is VOID and needs to be REMOVED IMMEDIATELY from my Equifax, XXXX, and XXXX  credit files. 

Attachments have been added to this complaint to substantiate my claim : 1 ) A screenshot from my credit report showing the account as XXXX XXXX XXXX with the XXXX XXXX XXXX address 2 ) A screenshot from the XXXX website showing XXXX XXXX XXXX as their account administrator 3 ) A copy of the letter I mailed to XXXX  / XXXX XXXX XXXX to settle the debt XXXX ) A copy of the letter I received from XXXX  on behalf of XXXX XXXX XXXX stating that an account for XXXX XXXX DOES NOT EXIST.
Product: Credit card

My Bofa credit card was locked after verifying myself multiple times, they still seem to believe its not me.I have been a customer with them for about 17 years and never experienced this issue before. Bank of America requested i go into a branch with two forms of id to verify my identity. After communicating with " Bank of America '' that i am XXXX and i dont personally drive anymore so it is hard for me to get into a branch, i asked if they have a service where maybe a personal banker can visit me at my home, the answer was no. I also asked if they maybe could accommodate me by at least getting me some form of transportation to a branch, i was told this is not offered by BofA as well. I explained the difficulty that i am having getting to a branch to multiple representatives and even asked for a few supervisors and no one could assist me which is very disappointing considering how long i have been with BofA and my stellar history with them. Today XX/XX/XXXX i was able to actually make travel arrangements and make it into a branch, just for a banker to tell me that i have to set an appointment with a banker to verify my two forms of id which i had right in front of her ( what a joke! ). The next appointment date is XX/XX/XXXX. That is more than 30 days that bank of america is blocking me from using an account. My credit score has dropped XXXX points after receiving the updated balance, which i have inquired about paying multiple times so that it doesnt affect my credit report. Every time i am told i must go in the branch, Bofa wont even allow me to make a payment so that this large balance didnt create an issue on my credit report. You guys are reporting on me but dont want to allow me to use credit that has been offered to me all of these years. Please unlock my account. I have been a good customer with great history. also please update the large balance on my credit report that you guys have not guven me a chance to pay because account is " locked ''., it is impacting my credit in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent FOUR LETTERS previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
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. 

Account Name : XXXX  Account XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. Or 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

There is a Credit Card company name " Target Card Services '' that is reporting a fraudulent account into my credit profile.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX ) since then the account had repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a DELETION of the following account. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. Inquiry Details : -- TRANSUNION -- XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- XXXX -- XXXX XXXX XXXX - XX/XX/XXXX