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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account NameXXXX XXXX XXXX Account Number:XXXX  Account NameXXXX  Account NumberXXXX Account NameXXXX XXXX Account NumberXXXX Account NameXXXX XXXX Account Number : XXXX  Account NameXXXX XXXX Account XXXX Account NameXXXX  Account Number:XXXX  Account NameXXXX XXXX XXXX Account Number:XXXX Account NameXXXX XXXX XXXX  Account Number : XXXX Account NameXXXX XXXX Account NumberXXXX Account NameXXXX Account Number:XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was given a opportunity to present verification of a debt that they were trying to collect on they were unable to provide the information that was asked for under the Fair Credit Act to validate this debt. They have been given numerous opportunities. Therefore i filed a complaint with cfpb their response was they basically have no rights to the information that was asked for and basically they 're not able to provide the info because they dont have it to give to me so therefore they should not be collecting on this debt if they can not provide the information and this needs to come off my credit because of the Fair Credit act that they were not able to validate this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

So I requested to have my utliization stop being reported and requested to opt out and withdraw any and all authorization given to to report to a third party per law 16CFR313 the privacy of consumer financial information Rule under the Gramm-Leach-Bliley Act they refused and said I CAN NOT opt out and they will still report to the credit bureaus.
Product: Checking or savings account

After attempting to set a meeting with XXXX XXXX, Vice President Market Expansion Branch XXXX at JPMorgan Chase & CoXXXX in the XXXX XXXX area, XXXX eventually stopped responding to emails and stopped talking phone calls. I've attempted to set the meeting to facilitate closing of a nonprofit organization 's checking and savings accounts as we transition to a new banking institution. XXXX and I were previously connected on XXXX. After I attempted to get her attention in a public forum on the social media site, she removed the connection and still has failed to respond to my reasonable requests to close accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting an account that is not mine. I sent letters to the collection agency asking them to verify that this account is mine in which they have failed to do so. As stated in the letter sent to the collection agency XXXX  XXXX XXXX, the original creditor hasn't even confirmed this debt so why is this reporting on my credit report? The original creditor XXXX XXXX wrote off an account, but it was not for this amount and I am tired of this incorrect reporting. This is a violation of the FCRA and FDCPA. I am demanding that this account is removed immediately. Attached is the dispute letter that was sent to XXXX which is dated, and time stamped. Please remove the account XXXX XXXX XXXX XXXX.
Product: Credit reporting

I do n't know anything about it. it 's a identity theft, fraud ...
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

XX/XX/XXXX SS XXXX
Product: Credit card

I was charged a late fee if {$29.00} because my payment was paid on the due date of XX/XX/23 but after XXXX XXXX  XXXX. The company Citi shop your way card said this payment is considered late even though it was paid on its due date. I had another late fee reversed as well because of this same situation. The company said I was only allowed 1 fee reversal per year. 
My statement says my payment is due on its due date, but I dont see anything about XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act, which is codified in 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I, the Consumer, am writing this complaint due to inaccurate reporting of all 3 consumer reporting agencies that is Transunion, XXXX, and XXXX. Under 15 USC 1681 section 623 it 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. '' In Transunion consumer report it shows that I only have XXXX hard inquires ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), in XXXX it states I have only 12 hard inquires ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and XXXX shows that I have XXXX hard inquiries ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). This is causing much confusion due to the inquiries not matching and shows me that reports of these inquiries are inaccurate and I would like them to be removed. Not only does it violate section 623 but it also violates section 604 ( a ) ( 2 ) which states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' I have not given written instructions for these inquiries to be furnished on my consumer reports. 15 USC 1681 section 607 ( b ) also states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '' there must be a maximum possible accuracy of my consumer reports across all agencies.
Product: Debt collection

Hello, XXXX keeps calling and has reported a negative account in my credit report. I have never applied for XXXX  or have had any services with XXXX. They are trying to collect a debt of approximately {$2500.00} for something I am not aware of nor have had in my life. Upon hearing from this I tried to explain to them that I dont live at the address listed on their account nor have I ever had any services Ive tried filing a dispute with XXXX and have had no luck. This negative account is the only thing hurting my credit. While everything else in my account has always been paid on time and no issue with any balances. Please help me correct this issue
Product: Checking or savings account

I made a purchase at XXXX in XX/XX/XXXX. I requested a full refund by XXXX. They agreed and said I would see my money I'm 3-5 business days. After the time passed and no refund I called XXXX. They said refund was issued and received at Capital One XX/XX/XXXX, they also provided a tracking number to give Capital One. 
I called Capital One and again asked about my refund. I was told no refund was issued and that number was not a number they could use. I waited a few more days, no refund so I filed a dispute with Capital One to request my refund. A few days later I called capital one and asked where I can submit proof XXXX said they refunded me. I was then told XXXX did infect refund me but Capital One blocked the refund and I needed to call XXXX back. I again called XXXX and was told NO, we refunded and didn't get anything back. I called Capital One again and was told call XXXX they have your money. I asked XXXX to escalate this to a manager and was declined. I did a 3 way call with XXXX and Capital One with both companies finger pointing blame. The customer in the middle with no refund or product! I was told by both companies this would be escalated to managers for review. I followed up with Capital One again today and now I'm being told it was never escalated I now have to go through the 45 waiting period while the dispute is invested. I advised its no longer a dispute my money needs to be released ro me. I was told my card is blocked and they can not give me my money back I need to call XXXX again. I have spent almost 3 weeks going back and forth. My refund is just sitting somewhere and it's unfair that I'm being asked to chase these companies for the money that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have been back and forth with Experian asking them to remove accounts and address that are not mines. Im in the process of buying me a house and I noticed that a collection was placed on my account XXXX XXXX XXXX I spoke with XXXX XXXX XXXX the account number that was reported belonged to someone else. My first question is how did Experian not catch that now im out of {$1500.00} dollars for my relator finder fee so im requesting a settlement in the amount of {$1500.00}. Also my next problem is you have a commercial address listed on my report regardless of the numerous times i have called in and explained the issue you guys refuse to remove the address or account. First you stated the address and account is gone which i will attach and I look on my credit its still there. Im suing for that also another {$1000.00} for violating consumer rights. I told you guys the account XXXX XXXX doesn't belong to me and the information that they sent was not a validation of debt. It said XXXX XXXX XXXX not XXXX XXXX XXXX. So i look forward to hearing from you guys with a settlement agreement and a removal from my credit report .I urge you to take immediate action to correct the inaccuracies in my credit report and provide me with written confirmation of the same. Failure to do so will leave me with no alternative but to seek legal recourse.
Product: Credit card or prepaid card

Dear U.S. Bank Customer Service, I am writing to bring an important issue to your immediate attention. There appears to be incorrect or incomplete information related to an authorized user, XXXX XXXX, on my credit card account the timely payments are not reporting on his credit report and need to be reported. I kindly request your immediate action to rectify this matter. 

My details for your reference : Account Holder : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX card : XXXX Authorized User details for your reference : Authorized User : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Attached to this letter, you will find all necessary documentation to verify both my and XXXX XXXX XXXX ' identities. The documents include : A copy of my government-issued identification A copy of XXXX XXXX XXXX XXXX government-issued identification Proof of address for both parties I would like to request that you update our records and correct any inaccuracies as soon as possible. Mistakes such as these can have a significant impact on our credit histories, making it essential to address them promptly. Please confirm in writing once the required corrections have been made. 

The Fair Credit Reporting Act stipulates that you have up to 30 days to investigate and rectify any inaccuracies. However, due to the sensitivity and potential impact of this issue, I request that you expedite this process. 

Thank you for your immediate attention to this matter. Should you require further information or clarification, please feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX Attachments : Verification Documents
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX to resolve a credit card account since XX/XX/XXXX. The account was paid in full and closed. XXXX has provided provided letters stating this information ; however, they will not update the credit bureaus ( XXXX, XXXX, or Transunion ). I have contacted them numerous times, contacted all three bureaus as well, and the account balance still reflects past due of {$790.00} when the actual balance is now - {$0.00} after making an {$800.00} payment on XXXX 

Attached - Credit information with balance showing Receipt of payment made on XXXX for {$800.00} Three letters from the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX is inaccurately reporting on my credit profile associated with my social security number and is in violation of my consumer rights per the following information : Based on the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

First, there is a discrepancy in the account number between TransUnion and XXXX. TransUnion shows the full account number as XXXX, while XXXX shows only the first XXXX  digits as XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Second, XXXX does not provide any information about the account type detail. TransUnion and XXXX both show the account type as " Revolving '' and the account type detail as " Credit Card '' for TransUnion and blank for XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Third, there is a discrepancy in the high credit amount reported by XXXX. TransUnion and XXXX both show the high credit as {$730.00}, while XXXX shows it as {$600.00}. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information.

Finally, there is a discrepancy in the last reported date between TransUnion and XXXX. TransUnion shows the last reported date as XX/XX/2016, while XXXX shows it as XX/XX/2016. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information.

In summary, the inconsistencies in the credit report violate FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. Specifically, the inconsistencies involve incomplete account number reporting, incomplete account type reporting, inaccurate high credit reporting, and inconsistent last reported dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
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 items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XX/XX/2015 ; XXXX XXXX Balance : {$18000.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer from XXXX XXXX to Coinbase on XX/XX/XXXX through XXXX XXXX XXXX. 

Amount : {$5000.00} USD I have talked to both my bank ( XXXX XXXX ) and XXXX XXXX XXXX ( Coinbases bank ) and they have both confirmed the transfer as complete at XXXX on XXXX/XXXX/XXXX. These confirmation calls and visits occured on XX/XX/XXXX. 

IMAD # : XXXX I put in a service request for this issue on XX/XX/XXXX through Coinbase.com. 

I have called their support line and responded to canned emails on multiple occasions and they just keep replying that they are " raising the priority of my case '' without actually providing any solution or ETA for when my fund will be available. 

It is currently XX/XX/XXXX, nearly a month after my wire transfer has been cleared, and Coinbase has still not posted my funds to my account or returned my money after asking explicitly multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and found I have unverified accounts listed on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX