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

On XX/XX/XXXX Equifax announced a massive data breach. I went to their website to check if I was affected in the breach. While going through the process, Equifax asked me to agree to Terms & Conditions requiring me to waive my right to a class action lawsuit. This is a disingenuous practice on behalf of Equifax. Their systems were breached, so they should be responsible for monitoring my credit while also remaining responsible for any legal penalties assessed by the US legal system. I should not be required to waive that right.

Furthermore, they were negligent in their data management practices. A breach of critical information for nearly every credit using individual in the US is unacceptable. This amounts to criminal negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call several time and I have not been able to get the personal incorrect information off my account.
Product: Debt collection

I submitted a credit dispute to all 3 Credit Bureaus and the debt listesd on my reports was never proven or verified as mine. Electronic signatures do not hold up as legal documentation in the court of law. 
XX/XX/XXXX certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
SYNCB/Care Credit:XXXX Amount : {$800.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

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

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

My account was suspended on XX/XX/2022 due to suspicious activity. My account had {$12000.00}. The suspicious activity being gambling and withdrawing/depositing often from the same apps. This past year and a half I have been sports betting. I went on a very lucky fortunate run to make a good amount of money. The bank has asked me for identification which I provided. After this, they asked for an explanation of the funds that fund my gambling. I deposit and withdraw often from the same apps. I funded my gambling through the previous years of financial aid and work study I received from XXXX in XXXX. I gained near {$8000.00} from financial aid services and work study. I saved this money and used it for sports betting. Chime continues to ask for a source of income from the year 2022 but there is no source of income. I havent worked. My source of income has been sports betting. I used the {$8000.00} to make nearly {$40000.00} within a year. I used the money I saved from XXXX to go on a run of sports betting. I live in New Jersey where sports betting is legal. Ive showed them all the documents from my financial aid to show proof of how much I received. Also I live with my parents so I dont have any bills which is why I was able to save my financial aid and work study from previous years. I feel stuck in what to do next because the company keeps on asking for a source of income which isnt available. The source was my financial aid which they arent accepting as an answer.I worked hard for this and they are taking away my {$12000.00}. Ive showed them my sports betting winnings and account to show proof of how much Ive won this year. 

The bank closed my account on XX/XX/XXXX after I gave them an explanation of my funds. Chime also continues to ask me about a {$20000.00} withdrawal that I processed to XXXX XXXX XXXX. I opened an XXXX XXXXXXXX XXXX for protection and because XXXX has the best return rates in the country. I provided them with this answer and they keep on asking me the same question regarding why I withdrew {$20000.00}. I dont know what to do at this point. Chime isnt providing me with answers on what to do when Ive answered all their questions the past 3 months. They continue to ask the same questions even after the closure of the account and they have no good reason to keep my hard worked money.
Product: Debt collection

Debt Collection added on my credit report that I have never had and now debt collectors are calling and emailing trying to collect funds
Product: Credit reporting or other personal consumer reports

After careful review of my consumer report, I still noticed that you furnished inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to opt-out of reporting these accounts on my credit file pursuant 16 CFR313 and The Privacy Act of 1974. Im opting out all information thats not accurate and pursuant 15 USC 6802, 15 USC 6803, 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust XXXX XXXX Legacy Preservation Trust ''. Therefore, any negative accounts listed on my consumer report is inaccurate and erroneous and must be DELETED from my credit file. My consumer report should be free and clear of any negative and false items. -Please See Attached
Product: Credit reporting

The accounts listed below are showing inaccurate information. The late and missed payments were removed by the companies when i submitted my goodwill letter and enrolled in auto pay. I disputed with Experian and the innacuracy was updated, which lets me know that the companies XXXX, and XXXX Bank were not contacted by Experian at all..Tis information is reported falsely and innacurately by the Experian, which is hurting my credit score. 
XXXX Credit Card XX/XX/2014 Open - Current 1 Missed Payment {$33.00} 8 % of Credit Limit* XXXX Credit Card XX/XX/2014 Closed 3 Missed Payments {$0.00} XXXX Credit Card XX/XX/2014 Open - Current 4 Missed Payments {$10.00} 2 % of Credit Limit* XXXX Credit Card XX/XX/2014 Open - Current 5 Missed Payments {$4.00} 2 % of Credit Limit*
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting XXXX XXXX XXXX as Im at fault. My insurance company has instructed me to contact LexisNexis and let them know to correct it. They have not and Im unable to obtain vehicle insurance until they do.
Product: Debt collection

I received a call in XXXX of 2017 about a XXXX past due account. I told the caller I didnt order XXXX and never resided at address that account was associated with. The caller asked for my last XXXX SSN to verify that I wasnt the person they inquired about and I gave it to them not realizing what I had just done. After receiving a collection notice on my credit report i called XXXX to dispute the charges and they had me fill out a ID Theft Affidavit which i sent to them in XXXX 2017. The collection was removed from my report only to be placed back on with a different collection agency this month. The amount thats in dispute is {$1900.00}
Product: Debt collection

This debt does not belong to me, so I sent a letter out to the company to ask them to remove the account from my credit report and the company has not responded. It has been over 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request of investigation on my credit report via United States Postal Service on XXXX20 to XXXX, XXXX  and Experian. I have not received a response from neither company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  : XXXX, XXXX Personal loans XXXX The law of privacy 15 U.S.C 1681 602-4 4. 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.

15 U.S.C 1681 604 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 623 subsection ( A ) Reporting information with actual knowledge of errors. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Checking or savings account

I sent money ( $ XXXX ) through XXXX which was a scam ( a down payment for a pekingese dog ) and i contacted Bank Of America to help me and few days later they sent me a letter saying they are unable to help me. So what protection to i have?
Product: Credit reporting, credit repair services, or other personal consumer reports

i get back a bad response i asked that they provide me with info on when these inquiries wrere made by me and they respond with XXXX that dates are wrong on XXXX XXXX XXXX of requestXXXX  Account nameXXXX XXXX XXXXDate of requestXXXX Account nameXXXX & XXXX XXXXDate of requestXXXX Account nameXXXX XXXX XXXXDate of requesXXXX Account nameXXXX XXXX  XXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXXXXXXDate of requestXXXX Account nameXXXX XXXX XXXXIDate of requestXXXX Account nameXXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXXDate of requestXXXX Account nameXXXXDate of requestXXXX Account nameXXXX  XXXX XXXXDate of requestXXXX Account nameXXXX XXXXDate of requestXXXX Account nameXXXX XXXX and nothing was corrected like i asked for prove to me when i made these inquirys please
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that this complaint is in reference to complaint number XXXX-XXXX  that was sent to LexisNexis on XX/XX/2019, requesting LexisNexis to contact XXXX credit Bureau to remove the bankruptcy records from it's files and delete it. 

LexisNexis is being held responsible for selling my private and public information and selling it to XXXX  Credit Bureau for profit without any consent or authorization from me. 

It has been over 30 days on this complaint, LexisNexis never made an attempt to reply or even made an attempt to contact this predatory credit bureau XXXX   what so ever.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card

I open a prepaid credit card with capital one and had to make a refundable deposit of {$200.00}, within a few months of having the card they decided to close my account and refunded my deposit. The balance was XXXX after they refunded my deposit, however months after the account was closed they started charging me interest without my knowledge. I got a letter about 5 months after the accounts was closed claiming that I have a balance of $ XXXX all from interest because they claimed that I had a {$8.00} balance after the account was close and that {$8.00} occurred interest which put my balance to over {$100.00} plus. But the account was a prepaid account and my deposit was refunded before they close my account and the account was left with ZERO balance. They keep reporting the account on my account as open with late payments every month. I have requested them to stop reporting a late payment on my credit and lying about the account being open when In fact the account was closed with ZERO balances. I am struggling financially to fix my credit and had work really hard to build it up and this is really affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 16981 ( B ) -I never gave these companies permission permission to run my credit for any inquiries. While checking my credit report in XXXX i noticed all of these inquiries of my report, I contacted all three Credit Bureaus to advise them and asked them to delete the information to no avail. This was my next step, I would like all of these inquiries to be removed from my credit report, because i never agave them permission run my credit or per 15 USC 1962 B ( 2 ) a Consumer has the right to privacy, I did not give anyone written permission to list or report any information on my credit report. Please delete all of the unauthorized inquiries : 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 card

XX/XX/year> - I received an alert of hard inquiry from Experian about a XXXX XXXX XXXX card XX/XX/year> - I contacted Experian to remove the hard inquiry and to place a fraud alert on the report XX/XX/year> - Experian removed the hard inquiry and placed a fraud alert on the report XX/XX/year> - I received an alert of a new account opened under my name from Experian XX/XX/year>- I contacted Experian to dispute the account and was directed to file an FTC fraud report XX/XX/year> - I contacted Experian to dispute the wrong birth date on my credit report XX/XX/year> - I contacted XXXX XXXX XXXXXXXX to inform them of the fraudulent account XX/XX/year> - XXXX XXXX XXXXXXXX was unable to locate an account under my name, social security number, or address XX/XX/year> - I uploaded evidence of birthdate, identity, and address to Experian to correct the incorrect birth date information on my report
Product: Credit reporting or other personal consumer reports

The employer listed on my credit report is incorrect and does not accurately reflect my current or past employment history. This inaccuracy may lead to confusion or misinterpretation by potential creditors, lenders, or other entities reviewing my credit report. I have never been employed by the company listed, and the incorrect information could potentially affect decisions related to credit, employment, or other opportunities. I request that the inaccurate employer information be investigated and corrected to ensure that my credit report accurately reflects my true employment history.
Product: Debt collection

First Federal Credit Control is saying they are a federal collector and will put me in jail if i don't pay them XXXX dollars. i am brining this to the attion of the real protection bureau and maybe you guys can help me they calme i owe a debt of XXXX dollars toa XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had Experian boost product for about XXXX years. Yet I have to remove my banking information causing my score to drop then add them back on which still keeps the score low. I am certain that the system is not ran but humans but an algorithm. I pay my utility bill weekly as its prepaid services yet it shows I only made one payment on XXXX XXXX I have had for over XXXX  years. This account for over XXXX. The same with my rental company XXXX for over XXXX years shows only XXXX payment made yet my company reports my payments monthly. Last payment reported is incorrect as my rent was a {$1300.00}. And paid out of the linked accounts gets does not show. My last payment was {$2200.00} this month of XXXX. This is also the same for XXXX, XXXX and XXXX Boost this account has been reported but not monthly. 

They advertise that they can help but my score fluctuates as o have to remove my banking and add it back in just to get an update.
Product: Credit card or prepaid card

XXXX/XXXX billed me by snail mail AFTER the first payment cycle was due! They provided no online access instructions or emailed bill prior to this. I paid immediately upon receiving their written communication in the mail after signing up online, 2 days after their due date. They then refused to refund a {$25.00} late fee ( that they assessed on XX/XX/XXXX but backdated to XX/XX/XXXX! ) or a {$7.00} finance charge. All charges were assessed for merchandise that had actually been returned for poor quality. They also claimed I had failed to sign up for online statements though they had not yet provided me with the opportunity to do so.
Product: Credit reporting or other personal consumer reports

Experian has allowed credit inquiries to be updated and reported on my account that I do not recognize. In addition to having to reporting the inaccurate information on my credit report. My credit score has been tarnished. I am unable to apply for any credit cards. I dont have any credit resources. I have provided documentation proving the accurate dates and statements. To no avail I am still being denied the right to have a correct report.
Product: Checking or savings account

PNC is charging late fees that are not applicable. They are charging these late fees almost weeks later than they should be. They are posting atm deposits days after they are deposited and are posting it so they are charging multiple late fees. PNC has admitted they have done this and are doing nothing to fix their errors. This is very dangerous territory for a bank to asses late fees due to their ineptness. I have had many issues with PNC and their errors causing late fees assessed to My acccount. Many time their atms do not work, they do not allow customers to access or deposit money. But they will gladly charge them fees. Not only is this harassment, PNC should be throughly audited for their actions.

Pnc is trying to charge me fees because I want to close me account. This is retaliation.
Product: Debt collection

Portfolio Recovery keeps calling my phone. I dont know who these scammers are and Ive never done business with them and Ive never signed a contract with them. They are garnishing my wages. They took almost {$400.00} out of my last paycheck and Im a single mom with 1 income, barely making it. Recently, I was out on unpaid medical leave for 6 weeks due to XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise..

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( showing multiple entries on my credit report ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX****, XXXX XXXX XXXX, XXXX XXXX XXXX, and Chapter XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
I didn't give this company authorization to access my credit report for this reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a Care Credit/Synchrony Bank credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with Care Credit/Synchrony Bank on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). Care Credit/Synchrony Bank refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from Care Credit/Synchrony Bank sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
-The Care Credit/Synchrony Bank account number with the derogatory mark is not the Care Credit/Synchrony Bank account I co-signed. 
-I do not have any connection or affiliation with the Care Credit/Synchrony Bank account that reflects a write-off. 
-I did not authorize or co-sign on another Care Credit/Synchrony Bank account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.