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 Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681.

Everything has to be 100 % accurate on my Credit Report. 

XXXX Account : XXXX. 


The Consumer Reporting Agencies all report different information and only verify with a 3rd Party thus ifgnoring the right to privacy and 15 USC 1681 According to my written Instructions. The bottom line is, there are multiple in accuracies!!! Open Date is inaccurate, the late last active is inaccurate and the Date last reported is inaccurate. This is grounds for removeal. They also violated my rights inder the following : 15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
I was recently emailed by a representative of XXXX XXXX XXXX and she was properly notified of the Inaccuracies and made aware of the Law. She ignored the law directly and is willfully Noncompliant, whichis a violation Ferderal Law 15 USC 1681n.

There is no End to the dagamage that this company and the Agencies are allowed to inflict on Consumers.

The fact that They Reached out to me directly is a violation of Federal Law. 15 usc 1692c Communication when attempting to collect a debt. ENOUGH REMOVE THEM FROM MY CONSUMER REPOT IMMEDIATELY NO WAITING I submitted a previous complaint with the CFPB and the Attorney General 's Office. TheseCompany XXXX XXXX XXXX and Agencies refuse to follow any Federal Laws and continue volating my rights and costing me dearly.
Product: Consumer Loan

I have received a loan from a XXXX XXXX in 2014 in the amount of {$23000.00}. I was only able to pay off one instalment of {$830.00}. The debt was sold to the collection agency showing the amount of {$25000.00}. This is in excess of {$2800.00} that I never borrowed. I received a letter from Resurgent Capital Service a few months ago. I responded that the amount they show I owe is incorrect. I sent them supporting documents. Today I received a second letter from them. Their letter states that I did not provide enough documentation to prove the right amount I owe. I will send them again my bank statements, but I would like to file a complaint about reporting my debt to the collection agency and showing on my credit report with an incorrectly high amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced a medical emergency that created various hardships and was unable to submit my XXXX plan information. I contacted my lender, XXXX in XX/XX/XXXX to discuss options and notify them that my re-certification paperwork would be late. They advised there was no longer COVID relief assistance available. I asked about additional options and was told there weren't any available. My loan went into default and was reported as being late for 2 months. I continued to call them to discuss options to no avail. 

The last email I received regarding COVID relief options from XXXX was received on XX/XX/XXXX. However ; they stated the relief offer ended in XX/XX/XXXX - I called prior to this date. One of the main items is that XXXX did not offer me the option to Consolidate my loans. This would have temporarily paused my loans and. Allowing them not to be reported as late and given me time to set-up other options. I have called to work with XXXX tirelessly from XX/XX/XXXX- XX/XX/XXXX to no avail. I have also submitted XXXX credit report disputes to XXXX. 

My issue is that I was not offered COVID relief options nor Consolidation. All options were to be provided and they were not. 

The desired resolution would be to have all late payments/delinquency reported to the credit agencies removed as all options were not provided to me as the loan borrower. All options should have been recommended so I could consider them and decide what was best. This was a servicing error on the part of XXXX and the delinquency should be removed from my credit report for all agencies. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

fraudulent accounts XXXX XXXX XXXX XXXX XXXX A NEEDS TO BE REMOVED FROM MY REPORT THESE ACCOUNTS ARE FRAUD AND WERE OPENED WITHOUT MY CONSENT AND OVER XXXX HARD INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account - XXXX XXXX XXXX - opened on XXXX due to identity theft. This is the second time i have had to file this complaint as no response was recieved from the first complaint months ago. The other bureaus have already removed the account from my credit report yet you have not. The following inquiries are also fraudulent inquiries that I did not approve or initiate. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Rewards Credit Card I was never late on the PAID off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, delete this alleged late payment from my credit report immediately. FCRA allows 30 days for this to be rectified.
Product: Credit reporting or other personal consumer reports

The deletion or suspension of accounts stemming from a data breach and unauthorized inquiries is governed by FCRA Section 605B ( 15 U.S.C. 1681c-2 ) and FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to dispute accounts on my consumer credit report, referenced below, resulting from data breaches or fraud. I demand verifiable proof with my signature/electronic signature. I never authorized these actions, constituting a violation of my consumer rights under FCRA Section 605B and FCRA Section 604. These actions lack compliant validation or original proof from the reporting companies. 
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX XXXX XXXX ACCOUNT NUMBER- XXXX
Product: Payday loan, title loan, or personal loan

My account was opened on XX/XX/XXXX. The Automated Clearing House ( ACH ) payments, on several occasions, incorrectly failed although my bank account had sufficient funds. After it happened several times I reached out to their customer service representatives and was told that such was possible according to a chat interaction I had with one of their employees named " XXXX XXXX '' on XX/XX/XXXX, whereby it was claimed that such had " happened a lot recently. '' I have the chat transcript whereby this was attested if need be. I did my best to make the payments on time, I even made my automatic bill payment date on the first, which is the day that I am paid, to ensure that there would always be enough money for them to withdraw. However, I suppose I put too much trust into their ACH system and they gave me a late payment mark on the date of XX/XX/XXXX. I filed a Goodwill Request in XX/XX/XXXX which the company declined and I opened a dispute with XXXX in XX/XX/XXXX to no avail. It's very frustrating that I did everything in my power to ensure I paid on time, including signing up for the ACH payments, but their system failed and yet I have to live with this on my credit report for seven years. It seems a point of pride on their part that they don't want to admit that their system failed and caused this. I wish they would swallow their pride and allow me to recover from their mistakes.
Product: Debt collection

XXXX XXXX has been calling my business for collection of ex-husbands business debt for XXXX XXXX  storage. My ex-husband owned the business prior to our marriage and I had no involvement in that business. We have been divorce 2 years and he has filed for bankruptcy. I have spoken to XXXX XXXX a number of times and have explained the situation. They now have referred it to a collection agency who is calling everyday and is being verbally abusive and disruptive to my business. The number is coming across as XXXX XXXX XXXX with the company name as Vengroff. I do n't know anything else about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I have dispute and made several complaints about Experian not update my credit file on several incorrect address in my credit file. I have no knowledge of any of the listed addresses in my credit file but the one I have resided at for over 20 years plus, I have send verification of my identity in the past as in driver license and security card to Identity myself, my drive license with my 20 years plus address has always been on my driver license. In I'm demanding Experian once again to delete these incorrect address in my credit files & update my correct address which is only one address that should be listed. 
ThIs is my correct address XXXX XXXX XXXX XXXX XXXX MI, XXXX These are my FCRA rights to exercise in my demanding Experian to correct these errors list immediately!!!

15 U.S.C. 1681 section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy all cellphone number listed in my credit file is incorrect I demand for all phone number listed in my credit report to be removed as well. immediately!!!

All work history is incorrect as well I demand for all work history to be deleted as well immediately!!!

If these change doesnt be made immediately Experian will be in violation of FCRA rights
Product: Debt collection

I am outraged by the persistent presence of a fraudulent account on my credit report, despite filing a report on Identitytheft.gov and the bank confirming its validity. Unable to provide records, they assured immediate removal. I demand the removal of this fraudulent account. 
Account Details : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unfortunately I had a charge off for a car that was bought in XXXX, the first delinquency happened in XXXX. This account is still impacting my credit even though its been seven years. Ive been numerous disputes to have the information removed, however it continues to remain on my XXXX credit report. The company submits incorrect information like date of first delinquency and doesnt report all of the information so it doesnt appear that its been negatively impacting my credit for as long as it has. Currently they have the first delinquency reporting for XXXX of XXXX so now its till on my bureau. Very unfortunate and unethical business practices.
Product: Mortgage

Have been in litigation and still am, my cousin said just fax in modification, is an option arm loan so send in, was faxed in XX/XX/XXXX18 and XX/XX/XXXX18 my cousin called today and said no paperwork??? ( see proof ) cousin said just request modification WellsFargo is easy to deal with then stop ligitation. Just want modificaiton done, thank you! ( fax was messed up on 1XX/XX/XXXX18 but was faxed thank you )
Product: Debt collection

My minor daughter XXXX was seen by the doctor. The doctors office took our insurance information and at the time we had XXXX. Despite having XXXX, we still received a bill. The bill has now gone to collections and is on my credit report.
Product: Debt collection

For the past two months American Express has made repeated calls ( 8-10 per day ) often at XXXX XXXX to a number that I have expressly told them not to call. They also employ a collection agency to call and attempt to collect on the same debt causing even more calls to come in. I have attempted to schedule payments and between the two companies there is no communication so the payments were never drafted.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Debt collector reporting this account opening in XXXX, it was opened in XXXX of XXXX. Reporting Over 7 years. Please see below : DEPT OF EDXXXXXXXX XXXXXX/XX/XXXX | Reported on XX/XX/XXXX Balance {$0.00} CONTACT INFO DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status Over 120 days past due Account type Installment Account number XXXX XXXX Date openedXX/XX/XXXX XX/XX/XXXX Date closed XX/XX/XXXX Past due {$0.00} Responsibility XXXX XXXX XX/XX/XXXX Days Late XXXX Term Duration Months XXXX
Product: Credit card or prepaid card

I have a Citi master card which I wanted to cancel about three weeks ago. When I called, I was told that my account was deactivated. Upon hearing this I asked for a confirmation number to confirm the fact that my account was officially closed. I was told that their system doesn't generate confirmation numbers and that I will receive a letter in the mail confirming the cancellation instead. Today, XX/XX/2018, I did not receive a account cancellation confirmation, instead I received a promotion letter. I'm officially submitting this complaint against Citi ( Sears ) master card and would like to have them cancel my credit card. 

- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Debt collection

I have a current loan with Fortiva. 
I am not in collections! 
I fell behind one month and this Hindu lady calls before XXXX 3 times during the week and today I had it. 
She also calls with an unknown number so she can hide her identity/whos calling. Then proceeds to threaten to damage my credit by reporting that I am late etc. 
I think she does gets a kick out of it. 
Fortiva really need to take responsibility for who they have working for them. This lady is not aware or perhaps dont care to follow the basic rules of engagement and that we have rights. Its Fortiva whom she represents! 

Plus they electrically present the amount due to my bank/my account to deduct money even when I unchecked the authorization box in the website causing return check fees against my account depleting my funds which can snowball into other financial issues. They present several times at random dates. This is serious predatory behavior. 
You dont go under someones bank account to draft money when your company is no longer authorized. 
Please help! I cant start my day like this morning. I lost it today. 


PS Here is the companys information ; Phone XXXX Mail Fortiva XXXX. XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the company say it is accurate but it is not they have no proof that i signed any paperwork with them i never signed no paperwork i never talked to them i need accurate proof that i own this account if not please remove this account
Product: Credit card

Bank of America closed my credit cards ending in XXXX, XXXX, XXXX in late XXXX 2024. My credit cards were subject to unauthorized activities during that time. And I attached evidence to this complaint showing that my passwords, online banking access, as well as a sheet containing my credit card numbers have been compromised. Instead of protecting cardholders who have established long-time relationship and shown great loyalty, Bank of America chose to close all their card accounts, despite the fact that I, as the cardholder, am by no means at fault here. Evidence includes : 1 ) XXXX XXXX certifies that bad actor hacked into my account and stole my points, 2 ) XXXX XXXX notified me that hacker attempted to log into my frequent flyer account and answered the security question incorrectly, XXXX ) XXXX XXXX XXXX detected passwords leaked in the dark web, and 4 ) XXXX XXXX  notified me that hacker attempted to change my password.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I am requesting that all accounts and inquiries related to the breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following account should be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear CFPB, I am writing to bring to your attention a matter of utmost importance that has significantly impacted my life. I am seeking your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and ensuring that justice is served. 

Violation of FCRA : Unauthorized Credit Inquiries ( Section 604 ( a ) ( 3 ) ( A ), Section 604 ( a ) ( 2 ), Section 611, Section 623 ) Account 1 : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX On XX/XX/XXXX, I discovered an unauthorized credit inquiry on my credit report made by XXXX XXXX. I have no recollection of authorizing this credit pull, and I demand that it be removed immediately. The unauthorized inquiry has had significant repercussions on my life. 

Account 2 : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Similarly, on XX/XX/XXXX, I discovered another unauthorized credit inquiry, this time by XXXX. Just like the previous case, I have no recollection of authorizing this credit pull, and I insist that it be removed without delay. 

These unauthorized inquiries have left me feeling violated and distressed. My financial history is personal and confidential, and I have always taken steps to safeguard it. To have my financial information accessed without my consent is deeply unsettling. 

These inquiries have unfairly affected my credit score, making it challenging for me to obtain loans, credit, and even basic financial services. Additionally, they have made it difficult for me to secure housing and employment opportunities, adding stress and anxiety to my life. 

I have initiated disputes with the credit reporting agencies, but I now seek your intervention to ensure that my rights under the FCRA are fully enforced. I kindly request that you investigate these matters thoroughly and compeXXXX XXXX XXXX XXXX XXXX  to rectify these violations. 

Furthermore, I urgently request the removal of these unverified inquiries from my credit report, as they continue to unjustly impact my financial standing. 

I implore you to consider the emotional turmoil and financial hardship I have endured due to these unauthorized inquiries. My hope is that through your intervention, justice will be served, and I can regain confidence in the credit reporting system. 

I kindly request your prompt attention to these matters and will provide any necessary documentation to support my case. Please keep me informed of the progress of your investigation and any actions taken. 

Thank you for your assistance in ensuring that my rights as a consumer are upheld and that the credit reporting system is held accountable for its actions. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

XXXX is reporting an account that was included in a BK as collections and charge off. They stated that account was opened in 2011 and closed the following month. They show the balance as {$770.00} with a {$12.00} a month payment. I have contacted them with no answer and I have disputed it with the reporting agancies and XXXX will not remove it.