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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.SC 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.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate.

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifaxXXXX XXXX XXXX XXXX did not modify or removed anything.

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with XXXX XXXX XXXX. XXXX  XXXX XXXX updated the balance to paid with a XXXX balance on XXXX and XXXX. Equifax did not update the balance to reflect this change so I sent a dispute to Equifax. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for auto loan through XXXX online. Denied because of in sufficient information. Contacted XXXX and was told that there was a 7 year fraud alert on our Experian file with no contact information. I did not place the alert and Experian was not helpful. I removed the alert but am unable to get an explanation from Experian.
Product: Debt collection

Equifax not to be rude but I thought in my previous communication with you I made it very clear that Ive suffered from XXXX XXXX XXXX and should not be under any such stress I don't know any other way of convincing you of this except to show you the letter of warning I received from my doc which will be included in this communication. 
Once again it was brought to my attention that there appears to be a listing on my report that is unidentifiable from someone called XXXX XXXX XXXX, XXXX as a matter of fact, when I examined it I noticed under " type ' there is no info and under 'original creditor ' no info. This is unacceptable, I know you've been busy and im just trying to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 2 disputes without any resolution. I am disputing the following companies on my credit report that I do not recognize. 

XXXX XXXX XXXX I disputed these on XX/XX/XXXX and a 2nd time on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act XXXX. 

After reviewing my submission I noticed that the Credit Bureaus stated that my accounts were properly investigated, that can not be possible because some of the open dates are inaccurate, the dates last active are inaccurate and dates last reported are inaccurate? These inaccuracies are grounds for removal whereas : The Credit Bureaus also violated my rights under 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 section 2. States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 n ( A ) ( 1 ). States any actual damages sustained by the consumer as a result of the failure or damages of not less than {$XXXX} and not more than {$XXXX}. 
15 U.S.C. 1681 section 603 ( 3 ) ( E ). States the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer or from the consumer.

15 U.S.C. 1681 b ( a ) ( 2 ) Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions to the consumer to whom it relates If the following accounts are not removed immediately I will be reporting your company to the BBB and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering. 

Account name : XXXX XXXX Bank Account XXXX XXXX Account name : XXXX Bank XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Bank Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXX ( XXXX ) Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks
Product: Debt collection

My bill of {$330.00} from XXXX XXXX XXXX XXXX UTILITIES was paid in full after being notified of the balance due. This payment took place prior to shutting my services as I was moving to a new home. I am now being charged by PENN CREDIT CORP for a balance that has already been paid. I was never notified by XXXX XXXX XXXX XXXX UTILITIES that this balance was being sent to collections. Because of this, I now can not get approved for an apartment because of this mark on my credit and the company will not help me with this unfair situation.
Product: Debt or credit management

Services from XX/XX/XXXX through XX/XX/XXXX. Paying XXXX a month. I was charged upfront and unexpected fees. Credit report didn't change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under my TransUnion File # XXXX I disputed Bankruptcy Docket # XXXX and # XXXX and # XXXX ; asked TransUnion to verify these 100 % as mine.. because they are not mine. TransUnion responded back on 2 occasions, XXXX stating they verified this through XXXX, third party and The XXXX Court. This is an absolute lie and a falsehood because you can clearly see XXXX could not verify this and had to delete them because they are not mine. The court says they in no way verify this because Judges have certain restrictions. I want this false information deleted asap
Product: Checking or savings account

The issue is between my business account XXXX XXXX XXXX and Wells Fargo Bank. This is the second time this incident happened, with the first time affecting my personal checking account. After doing research I found out that both accounts were and currently being charged for overdraft fees without being notified. Both accounts are set up for notifications of when the account drops below {$0.00}. These notifications comes 24 hours after the fees are taken. This is a system issue and I had to escalate last month for the same issue, that resulted in a {$170.00} refund. I have emails and a pattern to show that the actual charge that is overdraft never post on the account, but only the overdraft fees.
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 items 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 items 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 are the list of 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 XXXXXX/XX/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, credit repair services, or other personal consumer reports

there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company PLAZA Opened XXXX XXXX, 2017 ( 5 mos ) SERVICES Last reported : XXXX XXXX, 2017 I have a bank account and i do not got to check cashing this account was obtain fraudulently
Product: Checking or savings account

BBVA ( now PNC ) froze my checking account when I submitted a stop payment on a check and refuses to unfreeze the account. BBVA says they have initiated closing the account and that it will be closed in less than 30 days from today.

Furthermore, BBVA ( now PNC ) has requested that I sign a document that lies about the circumstances of the check stop payment request. They want me to commit fraud by signing this document.

BBVA freezing this account has caused harm to myself and my XXXX wife. We need this checking account unfrozen for medical bills.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX I am a victim of an improper reinsertion of credit data. The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. It says I had his card in the year of XXXX which is COMPLETELY FALSE! Please check your records. 

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 report ( 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 I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXXXXXX XXXX Account Number # XXXX opened on XX/XX/XXXX
Product: Credit reporting

I went to obtain credit at a local bank and my credit union. I was immediately denied. When I asked why, they informed me that it was because of information contained in my credit report. 
I went online and purchased a subscription to view my report. I immediately saw an account that has reported 90 days late for the last 3 months. This account does not belong to me. I closed my personal account with XXXX XXXX years ago after paying off my balance. Their posting of the entry onto my report is unfair and unjust. I am requesting that it be immediately corrected and any creditor I applied for credit with in the last 4 months be notified of the removal.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

On XXXX/XXXX/2015 a Hard Inquiry was done by XXXX XXXX, XXXX, XXXX, XXXX WITHOUT MY PERMISSION AND DONE ILLEGALLY WITHOUT MY KNOWLEDGE and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inaccurate entry related to a bankruptcy that I have not filed. According to the Fair Credit Reporting Act ( FCRA ) 611, it is my right to request a verification or removal of this incorrect information.

The erroneous bankruptcy details are as follows : [ bankruptcy_info ] In accordance with the FCRA 611 ( a ) ( 7 ), I kindly request that you initiate an investigation into this matter and provide me with the " Method of Verification '' used to confirm the bankruptcy. Specifically, I require the following information : XXXX. XXXX. XXXX. XXXX. XXXX. The name of the courthouse where the information was verified. 
The name of the person at the courthouse who handled your request. 
The address of the courthouse. 
The telephone number for the Clerk of Court 's office.

The specific document you obtained to verify the bankruptcy. 
Should you fail to comply with my request within the XXXX period as stipulated by FCRA, I will consider taking further legal action. Please respond to me in writing at the above address. 
I trust that you will handle this matter with the urgency and seriousness it requires. Your prompt attention will prevent any potential negative impact on my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the FTC violations attached are the violations XXXX  : XXXX XXXX XXXX to Pay {$60.00} XXXX to Resolve FTC Allegations It Misled Consumers with Unlimited Data Promises
Product: Checking or savings account

I opened a business banking account with Chase online. I gave Chase bank all of the information requested online and Chase opened the account. Weeks later, after I received the debit card for the business checking account Chase restricted the account. As of today Chase is claiming to close the account because of an error on their end. I gave all information requested, spoke to plenty of representatives trying to resolve the issue and Chase is still being difficult and I am confused as to why. The company also has funds going into the business checking account which is another issue. If the account is going to be closed how will I obtain the funds going into the account? This has been extremely difficult and time consuming.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] followed on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XX/XX/year> XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, Experian, XXXX, XXXX XXXX This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : XXXX. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
XXXX. Written confirmation that these records have been permanently deleted. 
XXXX. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

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

It has been 101 days after my initial dispute submitted on XX/XX/year>, and the credit bureaus still haven't taken any action. I have a legal right to dispute inaccurate items on my credit report, and by law, the bureaus are required to comply and address these errors. 

Their inaction not only goes against the Fair Credit Reporting Act, but it also continues to negatively impact my financial well-being. I have repeatedly sent documentation, and yet Im seeing no compliance or correction on their part. This delay and disregard are unacceptable and a clear failure to fulfill their responsibilities. 

XXXX - XXXX - XXXX Account, incorrect high balance, incorrect last activity date. UPDATE TO NEVER LATE. 
XXXX - XXXX - XXXX Account, incorrect high balance, incorrect last reported date. UPDATE TO NEVER LATE. 
XXXX - XXXX - XXXX account, incorrect account type, incorrect high balance, incorrect account rating, incorrect limit, incorrect payment history. PLEASE DELETE. 
XXXX XXXX - XXXX - XXXX account, incorrect last activity date. PLEASE DELETE. 
XXXX XXXX - XXXX - XXXX account, incorrect high balance, incorrect last activity date, incorrect last reported date. PLEASE DELETE. 
XXXX - XXXX - XXXX account, incorrect high balance, incorrect account rating, incorrect payment history, incorrect date of last activity, incorrect last reported date, incorrect date of last payment. PLEASE DELETE. 
XXXX - XXXX - XXXX account, incorrect high balance, incorrect account rating, incorrect limit, incorrect date of last activity, incorrect payment history. PLEASE DELETE. 

I am attaching all the letters that have been sent to them, which included my identification each time. I am also uploading proof of my identity for the sake of this complaint.
Product: Debt collection

This company keeps calling me with a recording stating that they need to talk to someone else ( a name I dont know ) and they need to call immediately. I finally call them after being contacted numerous times in 1 day. They then tell me they are calling for me, they provide my first and last name. They then send me to my account manager, who then also tells me my name and ask if my date of birth is xx/xx/xxxx and the last 4 of my social is xxxx. I stated yes, keep in mind she provided me with all this information, never ASKED me to give her my date of birth or last 4 of my social. She then proceeds to tell me they are calling about a debt linked to social security number xxx-xx-xxxx, providing my WHOLE social security number. This is a huge issue and the reason why there is so much identity theft! She could have been speaking to ANYONE as I never gave her any information it was simply provided to me.