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

I have disputed the following account name : XXXX XXXX  account # # # # # # XXXX with EQUIFAX on XX/XX/XXXX and the inaccurate information that violates the FCRA LAW and my RIGHTS is still being reported on my credit report when I pulled it today XX/XX/XXXX its reflecting obvious incorrect information such as the same account is listed 2x my credit report with the same account number but shows different Date Assigned one shows Date assigned as XX/XX/XXXX and the other shows Date assigned XX/XX/XXXX also Status Date are different for the same account listed 2x on my credit one shows Status Date : XX/XX/XXXX the other shows Status Date : XX/XX/XXXX in addition to that Balance Date shows differently as well one shows Balance Date : XX/XX/XXXX the shows Balance Date : XX/XX/XXXX also balance owed is incorrect. I have attached a copy of the credit report where I highlighted the numerous errors on my report and would like both of these inaccurate duplicate accounts removed and deleted from my account based on the FCRA Law and 15 USC 1681 e ( B ) Accuracy Of Report, 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information, 15 USC 1681 ( 5 ) Treatment Of Inaccurate or Unverifiable Information
Product: Checking or savings account

Regions bank charged {$500.00} in overdraft fees and refused to remove them. 
Transactions dates and amounts are always changing.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY EQUIFAX CREDIT REPORT & SCORE HAS NOT BEEN UPDATED SINCE XXXX  OF LAST YEAR!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, 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

In reviewing my credit report i noticed there is a loan opened. I did not open this loan and i provided copies of police reports to XXXX.
Product: Debt collection

Received a Civil Summons from Gurstel Law Firm P.C. on behalf of XXXX XXXX XXXX of which I have never had a contractual agreement, fall of XXXX. I was served and acted ubder duress and fear of being garnished. I have now become aware of the CFPB and the role that your agency plays in ensuring that consumers are not taken advantage of. Gurstel Law Firm P.C. has obtained funds from me without providing the following : validtion of the debt, legal right to collect it. I believe that the Gurstel Law Firm P.C. acting on the behalf of XXXX XXXX XXXX, under 15 U.S.statute192g ( b ) : Under the FDCPA, debt collectors are obligated to validate the debt upon request. This includes providing prrof thatI owe the, proof that the debt collector has the legal right to collect it, and verification of the original creditor. If no validations is provided, you are required to cease collection and reporting activities.
Product: Checking or savings account

I went to a Bank of America ATM on XX/XX/2023 to withdrawal from my XXXX  XXXX  debit card, the money never came out of the ATM. It was debited from my account though and I have no gotten that money back. Bank of America has done nothing to help me.
Product: Payday loan, title loan, or personal loan

They are reporting this account as PAID AND CLOSED! Its reporting negative on my credit report
Product: Debt collection

Continuous calls, Do not identify before asking for personal information. Very disrespectful and refused to answer questions. This debt has been sold at least twice.
Product: Checking or savings account

There were several unauthorized transactions from XXXX and XXXX on my account. I contacted the merchants as well. XXXX stated they would credit my account but I dont see the credits from XXXX. Now Chime is stating that since the card number was changed when I reported the card lost/stolen XXXX wont see the merchant credits.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX I have not applied for any credit nor have i caused any inquires since XXXX the following information has been my only information since XXXX address XXXX XXXX XXXX XXXX ga XXXX. XXXX. I have never applied for student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car that I've been I've been buying for 3 years One Missed payment in XXXX they took a hundred points unreal I need to relocate and I need my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA Transunion. 

They have failed to remove information that was affiliated with personal identifiers that were challenged and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

The accounts are listed below : US Department of Education, Acct # XXXX DEPTEDXXXX, Acct # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was charged {$160.00} by EnerBank USA even though I did not authorize the payment. The payment was authorized by the co-signee on the account who is not authorized to use my bank account, to which enerbank did not call me to ask wether the co-signee was authorized to use my account and pushed the payment through anyways.
Product: Checking or savings account

I opened a business account with truist bank on XX/XX/XXXX. That same day as I was opening the account I wrote a XXXX XXXX XXXX  contribution to the XXXX I was openings business account. 

Truist said they would mail me a debit card, I waited XXXX weeks, sent multiple emails asking when the card was coming and got no response. I then called the branch I opened the account with and at this time ( XX/XX/XXXX ) I learned they closed my account, froze my funds and are doing an investigation of fraud The representative asked for a bank statement from my personal account which I provided via email and since then have had no other communication. Each time I call, no one can help me I have to wait until they investigate with no timeline. 

These are my funds for my business, they have frozen them and will no respond
Product: Payday loan, title loan, or personal loan

I purchased a car from a car dealership on XX/XX/2019. I financed the car through XXXX XXXX XXXX  for the loan. I received a title in the mail in XXXX from the DMV showing 2 liens listed on the title - mine ( XXXX XXXX ) and bank of America. I contacted the dealership several times and was told this would be taken care of and check with the DMV in 2 weeks. Over the past few months I have contacted the DMV several times and they do not have a lien release for bank of America. The dealership is now ignoring me and stated they are no longer owned by previous owner and cant help and bank of America says they cant help me because its not my account and the account is still " active ''. The dealership should have paid off any lien with the funds XXXX XXXX sent them for the car and the title should only show XXXX XXXX as the lien holder. I am stuck with a car right now with 2 liens and don't know who the other belongs to. I was never told about any previous liens when I purchased this car and chose to purchase through a dealership to avoid situations such as this. I feel as though this is fraud.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any XXXX  party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of XXXX  identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, TransUnion, XXXX and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within XXXX  days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX ) XXXX the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud.
Product: Credit card or prepaid card

On XX/XX/22 I mailed a check for {$240.00} to pentagon federal credit union as payment to my credit card, their penfed defender visa. Later that month I checked my statement and saw the payment was never applied. I checked with my bank who informed the check had posted. 
I called pentagon Federal credit union and was advised to upload a copy of the check, front and back, which I did XX/XX/22. Since that time I have contacted XXXX XXXX  credit union no less than 8-10 times wondering why they have not applied my payment... the back of the check clearly shows that XXXX cashed/rec 'd these funds XX/XX/22. 
Each time I call I am given a runaround ... '' the appropriate dept is working on it '' ... '' the missing check has to be physically located before actual payment is made '' ... .and just 8 days ago.. '' Card relations is no longer the dept working on your case, but now our credit union recon team '' . 
No one there sends me a confirmation email with the info discussed after my calls as requested, or an XXXX as to how long I am expected to wait before they apply payment. All the while they have been charging me fees and interest on the disputed amt. 
As I have explained to them multiple times ... my financial institution has made payment to XXXX and they have rec 'd those funds and not applied to my CC acct. The fact they have a problem losing the paper check ( s ) is not my concern. 
It has been over 2 months now and there appears no resolution in sight... I guess XXXX just intends to keep my {$240.00} they've rec 'd and do nothing...
Product: Credit reporting or other personal consumer reports

I have been unable to get my updated credit report and score from XXXX for the past 3 months and I have been writing and requesting this information continuously with no resolution or response from the company
Product: Debt collection

This is a company out of Kansas that is calling my employer with a local number. They have been asked numerous times not to call me and work however they refuse to stop. I received a call today from XXXX XXXX who I asked not to call me at work and released the call.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, said company XXXX XXXX, ran an inquiry on my credit with XXXX. I have a freeze on my account and I havent applied for anything since XXXX. I would like to understand how this could happen without my permission?
Product: Credit reporting, credit repair services, or other personal consumer reports

Complane about paypal accnt is permanently limit .and i would likt to remove this my limitation thankyou.
Product: Credit reporting or other personal consumer reports

A dispute was put in On XXXX XXXX its XXXX XXXX which mean it been 30 days since and I have not received anything I asked for which was Original Purchase Agreement, Terms n Conditions, Proof of ownership of the debt from Original Creditor for neither of these ACCOUNTS DELETE THESE ACCOUNTS IMMEDIATELY OR FACE LITIGATION
Product: Debt collection

I have lost my income, and my First Citizens Business Credit Card is long overdue. On XX/XX/2018, First citizens Bank called my in-laws and left a message about my uncollected debt.

This is unacceptable. I have never lived with my inlaws or listed their number as a way of contacting me. They must have found this information with a XXXX search of my next of kin. I do not want my inlaws involved in my personal financial business. This is a serious breach of confidential information, and it is harassment. 

What can I do to stop these calls?
Product: Checking or savings account

The resolution to this issue is that is either the bank should reopening your Acct and have access to the funds in it or better still close the Acct and send you a check of the total balances in the Acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their refusal to have the accounts removed has ruined my life and especially my credit. The XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report managed by Equifax. These inquiries were conducted without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

The specific hard inquiries in question are : XXXX XXXX, XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX, XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX Inquired on XX/XX/year> Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were made without my explicit authorization, which is a legal requirement under FCRA for hard inquiries to appear on a consumer credit report. 

Equifaxs Obligations Under FCRA 611 : I requested Equifax investigate and remove these unauthorized inquiries. However, they have not provided adequate resolution or validation documentation to substantiate the legitimacy of these inquiries.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 : The entities that accessed my credit report through Equifax failed to secure proper consent, infringing on my financial privacy rights under federal law.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The conversation I had with the customer service team went on for a while, but XX/XX/XXXX is the date I have on record. 

The XXXX company revolut had a hacking incident, and I felt unsafe with the account. Phishing attempts through XXXX increased by a multiple of at least XXXX after the incident. I never received an email from Revolut about the incident. I found out through the news. 

My concrete complaints are : 1 ) Revolut did not provide information on how my personal information is treated in the company. I am unsure if the leak disclosed my social security number ( if it's unhashed ). They ensured me that my information is secure when it obviously isn't.

2 ) They said they would follow up with me but once the account is closed, I couldn't access my account to get updates, and repeated attempts of trying to contact them resulted in failure. I can't remember if my bank account is linked to Revolut and had to freeze my credit on all three American credit bureau. So far nothing has been taken out of my account as I placed a hold on my funds so no one can withdraw a large amount.

I am not sure if as a customer and a user of pre-paid cards is supposed to receive this treatment, but Revolut 's handling of my personal information and my request to understand how much information is protected has been difficult and unsuccessful. I am not sure how to get help at this point.

Please note that I have attached the entire history of my conversation with Revolut for refrence.
Product: Vehicle loan or lease

On XX/XX/XXXX at XXXX central standard time an agent from Skopos XXXX called me and left me a voice mail and he stated that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are repeatedly showing incorrect information regarding an open XXXX XXXX account, a closed XXXX XXXX, a closed XXXX XXXX XXXX account, closed XXXX XXXX, closed XXXX Credit Card, and a closed XXXX   XXXX XXXX account. I have not been late on these accounts and have disputed it numerous times. I demand that the credit bureaus furnish proof that I have been late on these accounts within the 30 days that they've received my disputes ( on XX/XX/2020 through certified USPS ). Otherwise, it needs to be taken off immediately. 

In addition, there are two charge offs ( XXXX XXXX XXXX and XXXX XXXX  DBA XXXX  ) that have never been validated on my credit report and are just being brought to my attention through looking at my credit report. These are debts that do not belong to me. I dispute the validity of these charge offs and demand an immediate investigation on if these accounts even belong to me. 

In addition, there are numerous addresses and phone numbers that do not belong to me reporting on my credit that need to be removed. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Experian and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Experian sent a letter stating this block was an error. It was not. Experian has violated my consumer rights. According to 15 U.S. Code 1681i Experian is supposed to delete the disputed items during a full and complete investigation. Experian violated this federal law. Experian is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Experian to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Experian for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
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  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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.