23daVinci/CFPB_Complaints huggingface dataset:
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

Several times a month I receive emails from Experian stating : " Your Experian FICO Score has changed. 
You have new credit information. Were alerting you right away so you can sign in to make sure everything looks okay. '' Every other email is " Here 's what 's changed : Credit Score Decrease '' or " Here 's what 's changed : Credit Score Increase '' I believe these emails are a lure to subscribe to credit monitoring services. 

I am uncertain about whether or not my Experian credit score is actually increasing and decreasing this frequently. I feel as if these email are intended to cause either excitement or concern that is n't actually necessary and trigger recipients of these emails to subscribe to their credit monitoring service.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$37000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report an address on my report that I have never lived at. I've disputed this multiple times and they will not remove. The address is not registered with the US postal service nor is it valid and I've never had a lease at this address.
Product: Debt collection

XXXX XXXX  XXXX notified me in the spring of XXXX that they had taken on my account from American Express National Bank. I been in a year long payment arrangement that I paid diligently on time. Then when the arrangement ended, I had been forced to change to a lesser paying job, then go part time, then not work at all due to health issues surrounding XXXX  XXXX and survival of XXXX with complications. I offered XXXX and XXXX a payment plan that was the highest amount I could do without any net income. I faxed this and outlined it to them on three different occasions including yesterday, XX/XX/XXXX, after finding out through the internet and soliciting attorneys that XXXX had filed suit against me on XX/XX/XXXX in XXXX XXXX court. They have not, to this day, provided any notification of this filing to me. I only learned of it through other attorneys wanting to represent me in this hearing! I contacted XXXX XXXX in the XXXX XXXX for XXXX via email outlining my request for settlement and notifying him that I had not been notified by them or the court of the lawsuit and had found out by chance. I made a settlement offer. 

This complaint is due to the fact they XXXX and XXXX filed a lawsuit against me to serve judgement for the debt I own to AMEX and did not, to this writing notify me of the suit, therefore, it would have ended in a default judgement because I never knew the suit was filed.
Product: Credit card

I have been working on building my credit for years, it is now good, but I have some debt I wanted to consolidate at a 0 % interest and I was PRE APPROVED a zero-interest XXXX XXXX credit card from XXXX through EXPERIAN- I applied for the card, took a hard query hit on my credit which decreased my score then was declined by XXXX  - They sent me a letter stating they think my identity is compromised, but if it was me who applied to call them - I called them, and was told me to go into a XXXX XXXX  to show them my identity, there is no XXXX XXXX  by me so I called them again, and was told my application is denied! This should be illegal Every time I log into my EXPERIAN account I have these pre-approved offers tempting me to apply - UNLOCK OFFER - Well I did and was denied
Product: Credit reporting or other personal consumer reports

Ive found errors on my credit report related to unauthorized inquiries, which violate 15 USC 1681c-2. These incorrect entries are negatively affecting my credit score. Please remove all unauthorized hard inquiries.
Product: Checking or savings account

On Friday, XX/XX/XXXX, my fiancee received a check in the mail from the state of Colorado. This was a tax refund check. She mistakenly completed a mobile deposit into my newly opened Citibank account- we had not added her name to the account yet, as we just opened the Citibank account this past month. We moved our combined savings from XXXX ( where the account was in both of our names ) to Citibank ( where the account was just in my name ). 

This was an accident, and when I noticed I was not able to log into Citibank, I called the bank to ask why. I explained the situation with my fiancee on the line, and they let me know the account was flagged for fraud and they were conducting an investigation. I apologized- it was a human error and we have been sharing accounts for years, and I have deposited checks in her name with other institutions before- and they let me know to wait 24-48 hours for a resolution. 

On XX/XX/XXXX, after 48 hours, I received an email letting me know my account was being closed for violating their terms of service. I contacted their fraud department immediately, and they were unhelpful and not empathetic at all, despite my fiancee being laid off recently and Citibank housing our entire savings, money we need for rent, groceries, car payments, etc. I then called customer support, a branch location, and used XXXX to get help and no one was able to help me or tell me the amount of money I had in my account. The only information I got was to wait 30-60 business days for the investigation to end and for my account to be closed, as the closure is still in a processing status. 

I understand that a mistake was made on my end, but it was a {$700.00} check and we can live with that being lost. What we can not live with is having no access to our entire emergency fund for months.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to gain immediate information from Equifax about the data breach. Their toll free number does not work and when I inserted my name and last 6 of my SS they a message says " you are liked impacted '' by this event! 
Where are the regulators for this, I am at work and ca n't hunt this down. 

Please help the consumer! 

Sincerely, US citizen
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for {$620.00} a collection account # XXXX, and {$740.00} for account # XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the CFR, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting or other personal consumer reports

I have informed the credit bureaus and XXXX XXXX  that I've been an identity theft victim because my personal information was compromised. I initially contacted XXXX XXXX  and told them that this account was not mine, and I got the credit bureaus to remove the fraudulent charges placed on my credit report. However, the bank and the credit bureaus have ignored my request and continue to report derogatory and fraudulent remarks on my credit report. Therefore, I am filing this report to request that this fraudulent account be removed from my credit report and my records because I did not know this account existed. Someone opened this account without my permission, and once I discovered the existence of this account, I requested that it be closed. I asked them if they would remove the derogatory account from the credit report. They said they would remove it, but the bank and credit bureaus never did.
Product: Bank account or service

My issue is that there are several XXXX dollars worth of deposit transactions to a couple of foreign binary options brokers that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for these merchants to do business with United States citizens unless they are regulated and licensed with the CFTC. Neither of them are regulated or licensed with the CFTC, but the merchants lied to me and said that they were. I have been making deposits to these fraudulent companies since XXXX, 2015. I only found out they were fraudulent when I tried to make a withdraw of my funds and they never sent them to me and after a few phone calls they locked me out of my account. So they stole my money! I had about {$75000.00} in XXXX account and about {$65000.00} in the other. I 'm only asking for my original deposits/investment back. 

Now, I originally filed a dispute with my debit card for these deposits as unauthorized transactions because the merchant was n't authorized to do business in the United States. Apparently, I should have categorized it differently. The debit card company investigated these disputes as such. The first dispute ( there were XXXX separate disputes about a month apart ) was found in my favor. However, I only received about {$1500.00} of the $ XXXX+ in that dispute. It was the XXXX most recent transactions at the time. The second dispute resulted in nothing. They closed the case because I had authorized the transactions. Again, I should have categorized the dispute differently. I tried to explain this to my debit card company but they wo n't reopen the investigation and refuse to issue any type of refund. This dispute also had around $ XXXX in transactions. 

Now, the reason there were XXXX disputes about a month apart is that it turned out that the same company owns both binary options brokers but the debit card transactions showed differently. So even though I was trading at XXXX companies I was basically trading at the same company. 

The total amount of both disputes is about {$55000.00}. And yes, this began back in XXXX of this year. I realize that 's 10 months ago ; however, I believe these are special circumstances because of the way I was defrauded. The company led me on for 10 months.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX*Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have a Rooms to Go credit card with Synchrony Bank with a monthly amount {$84.00} due on the XXXX of each month. I scheduled the Bill Pay through my XXXX XXXX account to be delivered by the XXXX of each month for {$84.00}. <P/>XXXX XXXX shows that the payment has been received each month before the XXXX for the full amount - not just the payment but the full amount is credited to my checking account for {$84.00}. <P/>Synchrony claims they receive the payments 1 day later. This has happened a couple of times and happened again in XX/XX/XXXX. According to XXXX XXXX, the check cleared on XXXX XXXX, 2017 but Synchrony posted it my Synchrony account on XX/XX/XXXX, thus triggering a finance charge and late fees.
Product: Debt collection

XXXX account amount of {$360.00} opened XX/XX/21 I did not open this account and made them aware when It was brought to my attention upon applying for a mortgage, they did not notify me properly, and refuse to delete even though this account is fraud. I paid it due to it hindering me from buying a mortgage, I need this removed and deleted per the fair lending laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] ( XXXX ] [ XXXX ] [ Date XX/XX/year> Equifax Legal [ XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax legal I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : Under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below were all opened fraudulently without my consent and Experian is reporting fraudulent accounts which is against the law XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the date last updated shows XX/XX/ on XXXX, XX/XX/ on XXXX and XX/XX/XXXX XXXX XXXX  on EXPERIAN Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the original balance shows : XXXX on XXXX, XXXX on XXXX and XXXX on EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my results from the investigation regarding the XXXX/XXXX XXXX Account and I am still being reported inaccurately. The account is not past due, should say current, never been late and it's the showing the wrong balance. I am trying to get a loan to pay for emergency medical bills, but I can't due to this very delinquent account. Please correct my report as I have already waited over the 30 days and it was not done correctly. This inaccurate account was not corrected in the allotted 30 days, please delete this account from my credit report.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled into to a program in XX/XX/XXXX with my two credit card accounts with XXXX XXXX XXXX that would temporarily freeze my account to allow me to make payments in order to get my account back on track & in good standing for 3 months. After starting this program I noticed that I kept receiving letters from the company stating I was behind on payments and in addition received alerts from my credit monitoring the company was inaccurately reporting my accounts as closed. I called XXXX XXXX back in XX/XX/XXXX the customer service assured me that it was not them reporting this to the credit bureau, but the credit bureau reporting the information my account was not closed simply frozen until the program was completed.. I gave XXXX XXXX the opportunity to correctly report the information to no avail. For 3 months they continued to report a false status to the point of causing my credit score to drop 41 points from XXXX to XXXX in XX/XX/XXXX after I have been working diligently to reestablish my credit. I contacted XXXX XXXX XX/XX/XXXX to  address the issue, customer service informed they will keep reporting the account as falsely being closed even though it is only frozen until my last payment. I requested a letter from the company comfirming that the account was not closed and was denied this information in writing in order for me to present to ( XXXX & XXXX ) for correction.
Product: Debt collection

i am asked to call back about a debt collection. i have no idea what kind of debt, how much, to whom i allegedly owe money, or anything else. on caller ID, the company is listed as Navient, phone number XXXX i am afraid to call back because i believe it is a scam. these people call me at least three times a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts got sold from the department of education to the XXXX XXXX   with out my knowledge. Showing in my credit report as transferred-closed accounts. When looking at my account balances, nothing matches and its off balance. I continue to spend hours with the department of education, federal loans, and do a number of disputes and nothings gets updated. Even having the documents with the statements showing the correct balances. When you ask XXXX XXXX to correct your information with the credit agencies, they ask you to dispute it. But when you dispute it with the credit agencies nothing gets changed. Its a circle of never ending and nothing gets done. My credit report is saying one thing and the letter from XXXX XXXX is saying another. When applying for a home loan for example I cant even prove the true amount that I owe because of what my credit report shows. Some Late Payments reported that are not late. XXXX XXXX informed me that because of the deferment they would remove all late payments from the credit report and they didn't. False information. Even after the deferment was in place and payment date was established and not due yet, they continued to report late payment on some accounts. " They update the amounts and still incorrect and reported late payment on a account that is not due '' just not right and told me I needed to talk to the credit agency and dispute the error and that can take 30 days to see if they can resolve it if the error is correct.
Product: Debt collection

National Credit Adjusters did not properly notify myself abd provide a legal legitimate wet signature for said collection. It was disputed and no response from them on legitimacy of debt. As I do not know that company. They reported it to all 3 bureaus without me being acknowledged of Alleged debt without proper validation and contact with me. Allegedly there was an account from XXXX XXXX without my signature again they will not verify