23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX This account is listed inaccurately amongst all XXXX credit bureaus. The " Date of Last Activity '' is showing a different date each for XXXX, Equifax and XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
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 3 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 XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX  XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been trying to get an accurate credit report from all three credit bureaus. XXXX was not a problem but Experian was not recording or reporting my mortgage payments from my mortgage holder ( XXXX XXXXXXXX XXXX ). I was told by Experian that I had to contact XXXX XXXX XXXX  and tell them that they were not sending out the information to the credit bureaus. XXXX XXXX XXXX opened an investigation and reported back to me that they checked and verified that they have and are currently reporting to all three credit bureaus. I contacted Experian to report this and Experian insists that the problem is with XXXX XXXX XXXX and refuses to correct the matter. i opened an complaint with Experian and they assigned case number XXXX to the complaint. I have a certified letter from XXXX XXXX XXXX stating that they verified my credit information is being reported correctly and to all three credit bureaus. 

If your agency can help it would be greatly appreciated because this matter is greatly affecting my ability to get any credit. At his time we are in great need to get a loan due to medical problems. Thank you for your help, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and a natural person. Do not close this complaint saying it's not me. In accordance with the Fair Credit Reporting Act. The lost of accounts below have violated my federal protected consumer rights to privacyand confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX has violated my rights XXXX account XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX XXXX has XXXX my rights XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX has violated my rights XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXXXXXX XXXX  has violated my rights XXXX account XXXX XXXX account XXXX Equifax account XXXX 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Debt collection

Midland Credit Management continues to report fraudulent accounts to my credit reports that I did not apply for and have no knowledge of. I asked for validation of these debts, they only sent statements of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to the credit reporting agency numerous times and i have got no response on my disputes.
Product: Debt collection

this need to be deleted because from XXXX XXXX for the amount of XXXX because they never provided me with a hipaa transcript and my hipaa rights has been violated and need to be deleted immediately
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) states 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 have also been effected by the Equifax XXXX XXXX and have filed a complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

On XX/XX/2023, I submitted response pertaining banking issues reported by news. I submitted question online XXXX media page. Bank of America customer service agent XXXX responded asking me to send private message or can they call me. I spoken with agent. I asked about my account and fees, if any should be returned if the allegations from news media was true. It stated banking corporations has been over charging for transactions fees {$35.00}, plus opening accounts without customers knowledge, also I asked about maintenance fees of {$12.00} that company charges for my checking account in which, I have been with over 20 plus years. XXXX stated, if any accounts are not correct please send information to her or she could look up. She was blowing smoke up my *** because, I have been charged multiple fees, and maintenance fees when no income was coming to bank. I phoned BOA on XX/XX/2023 and spoken with XXXX because a refund of {$12.00} was issued, I asked why? She stated I put in complaint about the fees on XX/XX/2023 at XXXX central standard time. That was untruthful acts. I did not file a complaint nor do it shows on my phone, I contacted organization on that date/ time. She was frustrated asking me, what should she do? Refund it? I stated I never asked for a {$12.00} refund plus that's insulting my intelligence when, I have been paying fees to this organization for years and they send me only {$12.00}? I can see a few XXXX but {$12.00}?? The company name and charges all over news media but when I a customer calls and ask about account XXXX the online media associate put in a false claim on me stating, I was complaining about the maintenance fee? I think this is the lowest thing someone can do to a customer or individual
Product: Debt collection

I have had a mortgage with XXXX XXXX company for 11 years. I have paid my mortgage through auto-draft from my bank account monthly and I have never been late on a payment and I have always paid on time. I am currently XXXX in XXXX with very little notice that I was XXXX and a few days to prepare myself and my wife and children for my departure. A few days ago I was reviewing my bank account to see if we had any extra funds to send my wife for baby formula and I noticed that the mortgage payment had not been drafted for the month. So, I reviewed the previous months and there were no payments taken out since XXXX. I was not able to successfully call the mortgage company because of my location and the signal and internet is not sufficient, so I can not make calls. I gave my wife the information to call the mortgage company to see what they could tell her. My wife spoke with one agent and she informed her that the mortgage company switched over the mortgages to another company and that they were supposed to send out a letter letting me know. We never received a letter or a phone call. The mortgage is now behind 4 months, and they have added late fees and it has affected my credit. It is not fair that my credit has been affected because of this because i was not aware that the mortgage company was changed. My wife emailed me to let me know how much money was needed to bring the account current and to see if we could make a instant payment of {$3700.00}. She called the new company in which the mortgage was switched to which is Loan Care and its in collections. She spoke with XXXX id # XXXX. She told her that the company stops auto-draft once it was switched over and that the late payments have affected my credit and accrued late charges. She stated that a notice was sent to an address that I do n't reside at and they tried to reach me on a phone number that is not mine. All of the information the company had was incorrect. My wife informed her that we never received notice of change and that I was currently XXXX and we want to get this resolved. We were going to pay most of it and the remaining the following month. She became irritated that she was not speaking with me and immediately refused to talk to my wife regarding the account even though I am unable to speak with her because of my XXXX. She just informed my wife to pay the amount due. She informed her to pay the amount due, but she was n't going to discuss the matter with my wife or answer any of her questions. I simply want this removed from my credit and the late fees waived because this was not my fault that I was unaware of the company change. Like I stated before I have never been late on any payments or have missed any payments since I had this mortgage, so there was no reason that I would stop paying now. I thought that everything was still being paid through auto-draft from my bank account. I have strived to maintain a great credit score, and I am highly disappointed that this is a flaw on my credit with no wrong doing of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I've contacted The company XXXX  about a fraudgelant account theuy are continuing to report on my credit report. I don't know this company and have never done business with this company. I have also contacted and disputed this account 3 times with Trans Union and XXXX  and both companies have ignored my complaints & is continuing to report this fraud activity on my credit reports.
Product: Credit card

Examine the attached documents, and I want the bureau to commence an inquiry into these accounts that falsely portray me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX {$500.00} XXXX {$410.00} XXXX {$590.00} XXXX {$240.00} XXXX {$970.00} XXXX {$970.00} XXXX {$330.00} XXXX {$1400.00} XXXX {$43000.00} XXXX {$22000.00} XXXX {$780.00} XXXX {$1700.00} XXXX {$850.00}
Product: Vehicle loan or lease

On XX/XX/year> I was in car accident. My car was a total loss. I kept paying on my loan until my insurance company told me I no longer had to because the loan for my car was paid off. The date of the payoff was XX/XX/year>. There was even a surplus of funds which i received. The loan was paid off the amount was {$20000.00}. The payoff amount was submitted to my insurance company ( XXXX ). Which was given by a letter of guarantee on XX/XX/year>. 
Then on XX/XX/year> I received a email stating my payment was 45 days past due. the amount was for {$12.00}. Surely, this was a mistake, how could i owe if the loan was paid in full. I called and spoke to a customer service rep. I asked how could i be late if the car is paid off? I was told the insurance did cover the whole amount. I was told it was paid off and I didn't owe any money. that is was the first time I received any notice of a bill. Plus it was saying I was late 45 days. The representative said she would remove the amount as a courtesy. I asked is this going to affect my credit. I was assured it would not. 
Next, a couple of days later I receive a credit alert from XXXX about my credit. I login and see my score dropped by XXXX XXXX. Taking my score from good to poor. I was trying to purchase another car which made it impossible to get a loan. I had never been late on the car loan. I filed a dispute XX/XX/year>. I received a reply later stating that in fact the reporting was correct. XXXX? I tried to escalate the issue higher up. I was told " This is as high as you can go unless to want to talk with the president of the company. '' I said fine I would like to do that then. I later, received a call from lady, stating she was the administrative assistant to the president. She wanted to know how she could help me. I explained my issue and after countless calls to the custom service department I kept getting the run around or the call would be dropped. She asked me to send all the information and I did. It was the same result, that their reporting was correct. Also when I gave the amount owed from their own letter of guarantee sent to XXXX the said the amount was incorrect. XXXX? So for a lousy {$12.00} my credit has been ruined when I have never been late on this loan only to receive an email after the payoff stating I was 45 days late on {$12.00} and my next payment was for {$420.00} which was due on XX/XX/year>. Again what? I will submit copies of communication from XXXX and myself as well as the emails and letter from Capital One. Lastly, in their reply to my dispute. They state they mailed out letters to me. If that was the case do you not thing I would have contacted them? The first time I heard of it was in XXXX.
Product: Credit reporting or other personal consumer reports

I filing this complaint regarding multiple inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation removal of this item, as it is incorrect and does not reflect my TRUE credit history.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made an international transfer via Remitly but the funds have not been delivered till Today. I have called them several times but they keep telling me that they are working on it. It is now going to the second month and currency value keeps changing against my favor in the destination country.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported this account as late which violates my rights under FCRA. This account was never late in addition I am the actual creditor so for this company to report anything as late on a secured account that was funded by me is fraudulent in nature. 

15 US Code 1666b In accordance with FCRA, ( XXXX XXXX ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under any open end consumer credit plan as late for ANY purpose.

15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.
Product: Credit reporting or other personal consumer reports

XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

Account name : XXXX XXXX Account # XXXX {$490.00} XXXX XXXX XXXX Account # XXXX 

XXXX Account # XXXX XXXX  ( XXXX  ) Account # XXXX {$1300.00} XXXX Account # XXXX {$6800.00} XXXX XXXX XXXX Account # XXXX Account has been closed at Grantors request all without my written consent. 
Account has been previously in dispute- Investigation complete, reported by data furnisher. 




IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 


( needed To be Removed improper use of the credit report )
Product: Debt collection

My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX Credit Card {$600.00} Opened XXXX I 've currently submit an Identity Theft Report to the federal trade commission as well as disputed this account with the three credit bureaus.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.