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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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: Debt collection

I have informed the Credit Reporting Agencies on XX/XX/XXXX of the inaccuracies and have asked them to have the Collection companies remove them from my report. I explained how I had medical insurance at the time and the insurance company paid 90 % of the bills. However, they refused to pay these smaller bills claiming I had secondary insurance ( which was inaccurate ) Now, I still have not heard back from XXXX regarding my request. 

Plus, my other complaint is by filing a complaint/request with XXXX they have lowered my score by over 20 points. I do not understand ... 

XXXX XXXX XXXX XXXX ( Collections ) XX/XX/XXXX - {$1100.00} XX/XX/XXXX -  {$1000.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks,
Product: Credit reporting or other personal consumer reports

Un authorized And fraudulent collections on my report under 15 USC 1681 ( a ) ( 3 ) The following XXXX ( XXXX ) credit bureau 's ; equifax, experian, and transunion assumed this row without my permission, nor my consent. Furthermore in accordance with 15 USC 1681 ( a ) ( 4 ) The aforementioned credit reporting agencies did not respect my rights to privacy. I have requested the proceeding entries removed from all credit bureau 's credit reports. The credit bureau 's denied my request to have the items removed. 
It is illegal to sell my debt and not report it, but still have the original debt holder on my credit report. 
The companies did not do anything to help XXXX XXXX. 
15 USC 1681a section 603 ( k ) ( b ) ( ii ) Adverse action against the consumer is illegal.

15 USC 1681 section 604 A States, a consumer reporting agency, can not furnish an account without my written consent.

I did not consent. 
15 USC 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. I am being contacted without my permission, while at work, and called from several different telephone numbers everyday.

I would like to pursue punitive damages for each individual violation of my rights as a consumer, harrassment, mental angusih from seeking housing, and transportation for me and me children and being denied due to the violations listed here. 
I would like to seek punitive damages for the maximum amount for each occurrence. 
I would like the following accounts removed from ALL credit reports Along with all hard inquiries and derogatory comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX 2022 {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX2023 {$590.00} XXXX XXXX XXXX Opened XXXX XXXX 2022 {$370.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$10.00} XXXX XXXX XXXX Opened XX/XX/XXXX2022 {$97.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

While logging into my Citi online account on XX/XX/2022 I saw Citi Accelerated Savings Account advertisement. So opened the new savings account and funded at the same time. The confirmation email from Citi stated that I could link the new savings account to my Citi existing online account right away. Once I clicked on the proper link in the email it simply led nowhere, just displayed a blank page. I have made multiple calls to Citi customer service and they kept saying that I have to have ATM card ( which I did not receive ) to link my Citi Accelerated Savings Account even though I never requested it for security purposes as I do not want my savings account accessible via ATM network. My requests to get access to my savings account ( and link to my online account ) via my credit card account, which I have had for over 10 years with Citi, were not honored. This is a complete non-sense. At this point I do not have access to my funds.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of the XXXX  XXXX XXXX account, as reported on my credit file. My review of this account has identified numerous compliance violations that fail to meet Metro 2 standards. Due to these unresolved and inconsistent reporting practices, I am formally requesting the immediate deletion of this account from my credit report. 1.Inconsistent Payment Status : The payment status is reported differently across the bureaus. TransUnion shows Charged off as bad debt, and XXXX lists Unpaid balance reported as a loss by credit grantor, while XXXX provides no clear status. These discrepancies in reporting violate Metro 2 standards, which require uniform and accurate data. 2. Erratic Reporting of Delinquency : The delinquency record varies significantly. XXXX marks Charge Off ( CO ) and lists various late statuses, while TransUnion reports None for the worst delinquency. Such inconsistent data fails to meet the accuracy requirements set by Metro 2 standards, compromising the integrity of this accounts reporting. 3. Discrepant 2-Year Payment History : The 2-year payment history is riddled with inconsistencies. XXXX records 60-day and 90-day late payments, followed by a Charge Off status, whereas TransUnion and XXXX have missing or Not Reported ( NR ) entries. This inconsistency in data reporting is non-compliant and should result in deletion if the data can not be aligned across bureaus. 4. Conflicting Last Updated Dates : The last updated date is inconsistent, with TransUnion showing XX/XX/year> and XXXX listing XX/XX/year>. This discrepancy further highlights the lack of uniformity and adherence to Metro 2 standards for reporting.
Product: Credit reporting or other personal consumer reports

The late payments listed are inconsistent with my usual payment record.
Product: Bank account or service

My daughter was allowed to open a checking account as a personal account at the age of XXXX, without a parent or guardian being required a co-account holder. I was with my daughter when the account was opened and i specifically asked if this was permissible and was told by representative that it was. Her account fell negative multiple times and over a period of less than a year had been charged many many Insufficient funds charges / fees. Where as a parent i felt i was not given the notifications i should have been receiving to coach or even intervene on her behalf but was not allowed because she was the only XXXX named for this " XXXX Account ''. I feel XXXX % the representative did not fully disclose information that made these things clear, and i absolutely feel that despite i was present when then account was open that someone should have disclosed to me in writing with my signature that " I her parent '' was relinquishing my rights to represent my child by all definitions " a minor ''. We have since sought services from another banking institution which is where i learned that by our governed law in the state of XXXX she must have someone over the age of XXXX on a checking account with her as a co-account holder. I feel very cheated by BB & T and i am requesting all her funds be returned to her and that any and all reflecting negative marks that would affect her credit history be stricken from this account.
Product: Credit reporting

All XXXX credit bureaus list XXXX state tax liens as active ; however these liens were both released by the state and I have a copy of the release documents from the state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from Equifax. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. There was an unauthorized inquiry from XXXX XXXX on XX/XX/2020 and there was an unauthorized inquiry from XXXX XXXX, and on XX/XX/2020. I want these inquiries removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft due to a recent data breach. As a result, several fraudulent accounts and unauthorized credit inquiries have appeared on my credit report without my knowledge or consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account and inquiries from my credit file. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US BKPT CT VA XXXX, U.S. Bankruptcy Court
Product: Credit card or prepaid card

We paid the XXXX Elan " XXXX XXXX '' bill on time but were still charged a XXXX XXXX. The agent refused to show us where it said we had not paid within some schedule and they only referred to our XXXX XXXX  -- they agreed that our payment was in line with what the bill/statement said. The statements says by XXXXXXXX XXXX and we paid it before my e-mail of the payment confirmation notice dated XXXX XXXX -- at least XXXX minutes before their stated payment deadline. There is no excuse for charging us a XXXX XXXX! 

This sort of petty corruption by credit card companies must not be tolerated! Please Help. 

The Elan card company address is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT FILE. THOSE ACCOUNTS ARE UNAUTHORIZED AND WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS AND INQUIRIES OFF MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 on report twice no response XXXX XXXX XXXX XX/XX/2020 no response I would like these off my credit due to me not given permission nor having accounts with these creditors. I have no loan with them.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to express my severe dissatisfaction regarding the outstanding payment on my account with your company, which is now significantly overdue. The original payment due date, has come and gone, and I have yet to see any action taken on your end to address this issue. This delay is entirely unacceptable, and I demand an immediate resolution. 

Account number : XXXX Date XXXX : XX/XX/year> Balance : {$1000.00} I have made repeated efforts to reach out to you for clarification, but your continued failure to respond or resolve this matter is both frustrating and unprofessional. The balance in question, {$1000.00}, has been overdue for months, and my patience is wearing thin. 
If this payment is not received in full by end of this month, I will not hesitate to take further action. This may include but is not limited to escalating the matter to a collections agency, pursuing legal action, and reporting this non-payment to relevant credit bureaus. Please be aware that such actions will be taken with no further notice, and I will hold your company fully responsible for any financial or reputational damage this may cause.
Product: Bank account or service

Thought I opened a regular checking account with PNC Bank, included a deposit of {$2000.00} that occurred on Saturday, XX/XX/2016. However, I was unable to access the account, so I called customer support on Monday XX/XX/2016. I am unable to access my account or the funds without a " signature card '', which I 'm told is a piece of paper I have to physically sign ( note that, as far as I can tell, this card is not a method of payment, but rather solely used to contain a signature. I asked why, and was told the card is used to verify my information. I asked, do you not already have my social security number, driver 's license, and {$2000.00} deposit? I was told that, for some reason, a physical card with my signature was necessary. I was also told the card takes 3-5 business days to receive. However, I have not received any such card. I then tried to close my account over the phone and have my funds returned to my issuing account. They also said this would be impossible without the " signature card ''. Is this not a violation of FDIC laws? The deposit was less than {$5000.00}, meaning there 's no reasonable expectation for the bank to issue a hold for this period of time. Phone representative : XXXX XXXX
Product: Debt collection

My credit report shows the amount owe for the collection company the amount of {$490.00} with original amount {$340.00}. I was told they could not settle the payment but instead I needed to pay {$580.00} in order to have it paid in full and removed from my credit report. After giving rude communication I asked to speak to supervisor who then proceeded to tell me if I was looking for a discount I want not going to get one and theres nothing they can do. I paid the {$580.00} without any problem but was denied to pay the amount my credit report was stating which was {$490.00} I overpaid because Fidelity said it was a must I had to. Not cool
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon I was reviewing my credit report and I dissolved unauthorized inquiries in which I never applied. Can you assist me with getting these removed today? 
Good afternoon my name is XXXX XXXX. I have evidence that my identity Was compromised at XXXX XXXX XXXX and the account opened at XXXX  XXXX  XXXX is not i XXXX XXXX. This matter has Impacted my credit score in the worse way. I need for this Issue to be resolved as soon as possible. Attached are the documents.
Product: Checking or savings account

I have been trying to access my Bank account for over XXXX  years it has been frozen with no access and my bank card has been cancelled. I have no access to my money, there was Fraud on my account I need answers
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this is my second Complaint regarding the Credit Reporting Agencies and their improper furnishing of inaccurate information on my credit reports after they claim they investigated. To date i have no verified proof nor names of the persons that allege in writing a verified debt. Federal and state laws in Texas state that what i am going through as a protected class of consumer is against the law. Please see Attached Identity theft report the listed accounts violate my right to privacy and confidentiality under 15 USC 1681. I have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate. Accounts for deletion : N/A 733472B06940 reported 3/23 Past due {$2400.00}, Accounts for deletion : XXXX  XXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : N/A XXXX reported XX/XX/XXXX Account for deletion : N/A XXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by a person or company who had said they were hiring my music company for a private event. Bank of America fully deposited a fraudulent check which was sent via certified mail and then took money back once I zelled funds as part of the scam. I would not have sent funds if BOA had not accepted the check. I tried the bank many times- some said they would refund, and they never did. 

The scam person called XXXX XXXX sent a check via mail for me to deposit into XXXX Bank Of America checking account of XXXX on XX/XX/year>. It was listed as from a company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 

Payments then said it was from XXXX XXXX in XXXX Which was a company also scammed. 

The scammer had me planning the private music event and paying venders which was part of the scam. Payments were sent to XXXX of XXXX, XXXX and XXXX on XXXX. 

They then said they were sending new check to make up difference like they did before via XXXX which never arrived. 

I am a small business owner with a wife who is seriously ill and a small child - this loss really hurt and I hope we can figure this out once and for all from Bank Of America.
Product: Credit reporting or other personal consumer reports

There is a woman with the same name as me, XXXX XXXX, that also lives in XXXX and has a similar birth date as me. Her XXXX XXXX XXXX accounts are consistently being reported on my experian accounts. 
There are currently XXXX credit accounts of BANK XXXX XXXX that do not belong to me and Experian XXXX answer the phone so I can fix this problem. Currently as of XXXX XXXX there is XXXX credit card reported on my experian for {$1400.00}, opened on XX/XX/XXXX and another XXXX account for {$2400.00} opened on XX/XX/XXXX which do not belong to me and are being reported on my account. 
This is not the first time this has happened, in XXXX I had to file a police report XXXX case # # XXXX to find out that it is not identity theft but rather a mistaken identity, the police XXXX XXXX XXXX said It appears that errors were made by several organizations causing the mix up with your credit. After obtaining information via subpoenas from the XXXX XXXX, XXXX, and XXXX XXXX XXXX. It appeared that the similarities in your name and date of birth with another individual caused the mix up. 

This needs to stop happening. Help.