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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX inquiries deleted. But it never is removed. To boot Ive used all my free credit reports for 2023. They need to be given back to me too! This has been going on for 5 months. Ive disputed on line and they dont even investigate. Example included pulled report today after I got the letter stating deleted to verify. 

They have blocked me from talking to anyone too. When I call to get a manager it says they cant recognize me. I also filed fraud with the government for this inquiry I. XXXX ID Theaft
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

they keep putting the wrong address on my credit report and accounts that dont belongs to me on my report i send them the proof and these account still on my credit report
Product: Credit reporting or other personal consumer reports

I have requested and up to date credit report and have not received it in the mail yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review current copy of my credit report and show inaccruate information. I sent dispute with no reply and show it has been more than 60 days. Account name XXXX XXXX XXXX  Account number XXXX. Is show as a chargeoff account with an open balance reporting in the amount of {$2500.00}. I understand this is a direct viloation of FDCPA and that no chargeoff can report a balance and it must show as {$0.00}.
Product: Bank account or service

I wanted to report to the bank of  america  because without any reason and without prior notice they cancel the credit card, I complained and never received an answer and they were left with {$1100.00} rewards money won over 10 years.   I sent a letter with my lawyer, and they never gave a solution, what I can tell you is that I use my card in my company and that is why they got upset, but they want to win all the money, however they charge between 3 % And 5 % for  cash advance,  then what difference does it make that I lend my company money and that they tell you how you can use your credit card.   However they overdrawn my accounts a {$880000.00} and the other account at {$880000.00} and remained negative  XXXX  hours, when I claim never gave any answer because I overdrawn the accounts in more than a  XXXX  and a half dollars. Then canceled accounts, This is a clear outrage, and discrimination on the part of the b  ank of america when closing the accounts.
I denounce this outrage because I can not pay a lawyer, to initiate the demands that are necessary, I hope you punish these financiers who only think of them and not the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX started making HARD CREDIT INQUIRIES with Transunion. Since them they have made 6 HARD CREDIT INQUIRIES. 5 of inquires have been removed within a week. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The HARD CREDIT INQUIRIES WHERE NOT AUTHORIZED! I have a credit freeze on all three credit bureaus for years, and have not applied for any new credit since at least 2017. Yet each month since XX/XX/XXXX XXXX XXXX XXXX has made one or more HARD CREDIT INQUIRIES. 
On XXXX I contacted the CPB and was informed there have numerous complaints XXXX FACTACT FREE DISC for the same issue. XXXX XXXX XXXX has made one or more HARD CREDIT INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX This is a debt collection agency that is reporting the wrong debt, This does not belong to me. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company and got no reply or more than one occasion. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX I have disputed with this company because they are reporting the wrong dates. This is account is over 7 years ole which means it should not be reporting to my credit according to law. 

XX/XX/XXXX XXXX XXXX XXXX is a fraudulent account. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company. This debt DOES NOT belong me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following hard inquiries. I did not authorize any of it. I attempted a few times to remove it with the credit bureaus but they wanted me to file for an official legal document. 

1 - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Inquiry date : XX/XX/2021 2 - XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Inquiry date : XXXX XXXX, 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX/DEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX XXXX/DEPT OF ED XXXX Balance : {$9000.00}
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain collection accounts listed on my credit report under the authority of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. 

Legal Basis for Dispute : FCRA 15 U.S.C. 1681i ( a ) : Requires credit bureaus to investigate disputes and remove inaccurate or unverifiable information within 30 days. 
FDCPA 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection activities until verification of the debt is provided. 
Recent Legal Precedents : Equifax Data Breach Settlement ( XXXX  ) : Highlighted the importance of data accuracy and consumer rights. 
Experian Class-Action Lawsuits : Recent cases reinforced the responsibility of credit bureaus to ensure the integrity and accuracy of reported data. 
1. A closed account shouldnt have an outstanding balance If XXXX XXXX is still being collected via garnishment, it shouldnt be reported as a closed debt unless fully satisfied. 


2. Your payments arent reflected Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, furnishers ( agencies that report data ) are required to provide accurate and complete information. If they report a balance but fail to include the payments made, thats misleading and inaccurate reporting. 


3. XXXX XXXX isnt a traditional consumer debt Under 15 U.S.C. 1692a ( 5 ) ( FDCPA ), child support does not qualify as a consumer debt, so its reporting must meet specific legal standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still reporting XXXX XXXX on Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

After running into financial difficulty in XXXX, I tried negotiating with Bank of America. They would not. After speaking with them for months, they told me the only thing I could do to get the interest or payment reduced was to go 6 months and have them charge off the account which they said would be very bad. I did not want to do that but had no choice since they would not except any payment plan or reduce the interest. I accept that and understand that the charge off must appear on my credit report. However, my credit reports are showing 10 charge-offs so far. And they are adding one every month. I reached out to the credit reporting bureaus to point out that there was only one charge off ( which I am slowly paying down ). They investigated and nothing was changed. I have a copy of the report from XXXX  showing 10 charge offs from XX/XX/XXXX to XX/XX/XXXX. There was only one back in XXXX. Please help to get my reports corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries that are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate information to Santander consumer USA. With all three bureaus XXXX, XXXX and XXXX. I have added an attachments from all three bureaus showing different information on my credit reports. Santander consumer USA have inaccurate updated information with the Date being reaging the account to ( XX/XX/2021 ) this account is over 10 years old.
Product: Debt collection

4 different collection companies sent notice demand same payment for account not mines and never done business with companies/ violates " Fair credit billing act '' and " FDCPA '' ... XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

They sold my credit report into another company without my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX has reported 11 negative marks on my credit history as default/late/not paid. 1 ) These loans have been paid in full and transferred. 2 ) There is not 11 loans - some loans are marked twice on my credit report rather than once 3 ) these loans are over 10 years old and should not be on my credit report at all.

I've repeatedly reached out via mail to fix this with no reply. When I've disputed through credit bureaus, they've told me the information is accurate and has been verified by XXXX. XXXX XXXX is no longer in business and can not be reached for resolution. 

" XXXX XXXX, a company that collected and tracked federal student loan payments, is no longer active. Its government contract expired in XX/XX/2022, and all loans in the XXXX portfolio have been transferred to other servicers. ''
Product: Credit card or prepaid card

In XXXX of 2022 AMEX pulled my credit report two times without my consent or knowledge.
Product: Checking or savings account

Good morning, My name is XXXX XXXX XXXX XXXX I'm writing this email regarding a Scam/Fraud that happened on my Wells Fargo checkings account last sunday XX/XX/2023 for one transaction of {$4.00} under the name of a XXXX XXXX XXXX ( whichdoes not exist anywhere ) and its address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another one for {$1.00} under the name of XXXX XXXX and its address : somewhere in XXXX XXXX at the same time of the previous transaction. At the same time I was charged on my XXXX XXXX card under the same XXXX XXXX XXXX, but they investigated and already refunded the amount of the fraud and at that exact moment I was charged on my XXXX card multiple times from the same scammer XXXX XXXX, and they already investigated and refunded the amount as well. 
I went to the XXXX XXXX Police and showed a detective officerevery evidence about this case.The police report number is : XXXX District/Unit : XXXX Rank/Officer ID : XXXX XXXX Police Telephone : XXXX The same the day that I saw all this transactions when I woke up and when I realized those frauds and emails I received I started calling all of the banks to let them know that it was not me and did not authorize those scams. Im good with XXXX XXXX and XXXX, their investigation team did an amazing job and refunded me all the amounts. On the other side, Wells Fargo was different. 4 days later after I filed a claim I called them again to know about my situation and to know where's my hard- earned money. This lady of the XXXX XXXX XXXX Wells Fargo Department that I was talking to, named XXXX, she said to me that the Bank denied my claim and there is nothing they can do, even tho I told them that i did not authorized those payments and how could I spend all my money in one transaction even tho if wanted too i could not, I have to eat.. and if it was that simple for them to deny a claim and that is it, I loose all my money, and yes, she replied that she was sorry but the team did not find any suspicious activity and again that the case was denied. I replied saying that XXXX XXXX and XXXX solved my problem the next day, and again she replied that there is nothing else they can do. That I can go to the scammer 's stablishment ( which does not exist because i looked it up on google ) and ask for a refund ( very uninsterested from her and frustating moment for me ) That same day is the day I went to the XXXX XXXX Police to open an investigation and file my claim to the detective mentioned before in this letter. And for this reason I am seeking help.
Product: Debt collection

I was in an XXXX in XXXX Hospital in XXXX for a XXXX. After Dr. checked it out He just told me that I should not worry with getting rest should go away. When I went to accounting I was told that I could either pay {$370.00} or provide insurance, since I was unemployed at the time I was covered by Obama care and filled out the forms and filed with them. I got a call last summer from Medical Revenue Service in regards to my bill. I had explained to them the issue and had not been heard until XX/XX/XXXX that received debt verification notice. I gave the notice to my attorney XXXX XXXX and He sent a letter denying the debt and requested some documentation related to my case. I had not heard from the agency again until XX/XX/XXXX, the lady named XXXX called me and informed me that could not get in touch with my attorney He would not return calls either. I informed her about his letter but She denied that they had received it, I demanded her e mail address so I could e mail her the letter but She declined to provide it to me, however asked me to fax it. Agency reported to my XXXX credit bureau as collection a week after my conversation with XXXX. I received another debt collection notice in XX/XX/XXXX. I called the agency and spoken to Chastity who handles my case, She denied receiving my attorney 's letter, when I mentioned her about XXXX debt verification notice which I got in XX/XX/XXXX, She could not answer me how could that happened, reporting to my credit bureaus first, denying my attorney 's letter, and sending XXXX more verification. I now can not get any credit, they have coursed me great amount of XXXX and financial lost. I had applied to refinance my car which would save me approx. {$1500.00} a year on interest, and since I am in XXXX, buying on credit and selling, now I can not apply for credits. I asked XXXX to remove the collection from my reporting bureaus and I will not file for damages, She said that was going to talk to a manager as yet they have not done it yet.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Experian XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Complaint I am formally notifying your agencies that XXXX XXXX XXXX XXXX XXXX has reported fraudulent collection accounts to the credit bureaus without my consent and without any legally valid financial obligation between myself and their company. I have never had any contractual agreement, outstanding balance, or past-due debt with XXXX XXXX XXXX, nor have I authorized them to access, report, or furnish information related to my credit profile. 

Despite having no legal basis to report any debts in my name, these accounts have been placed on my credit report, damaging my financial standing and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under FCRA 604 ( a ) [ 15 U.S.C. 1681b ], a consumer reporting agency may only report consumer information when a permissible purpose exists. XXXX XXXX XXXX had no permissible purpose to furnish information regarding me or my credit profile. Any credit reporting or inquiries made by them are unauthorized and unlawful.

Additionally, under FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ], I have the right to request all documentation that verifies the legitimacy of any accounts reported on my credit file. If XXXX XXXX XXXX can not provide written proof of a legally binding agreement with my signature, validating the legitimacy of the alleged debts, then their reporting constitutes a direct violation of federal consumer protection laws.

Further, under FDCPA 1692e, debt collectors may not use false, deceptive, or misleading representations in connection with the collection of a debt. XXXX XXXX XXXX has misrepresented the validity, status, and amount of alleged debts in my name, making them liable for deceptive collection practices under federal law. 

The harm caused by these violations is substantial. Due to the erroneous and unauthorized reporting of these collection accounts, I have suffered : Denial of credit opportunities due to falsely reported negative marks on my credit file Higher interest rates on loans and credit products Loss of financial and business credit opportunities Damage to my credit score and financial reputation Emotional distress and hardship due to Experian, Equifax, TransUnion, and XXXXXXXX failure to correct these violations Had these fraudulent accounts not been reported, I would have been able to secure financing, purchase a home, obtain a fair interest rate on a vehicle loan, and continue growing my business. Instead, I have been subjected to financial penalties and unnecessary obstacles due to your agencies failure to follow consumer protection laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX  XXXX XXXX XXXX making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX  XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX  XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX  XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.