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

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX : XXXX 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

This account is mine and all XXXX reporting companies took my good standing credit off. 
Without my permission so please could you have them to put it back. XXXX.
Product: Credit reporting or other personal consumer reports

While I out of the county as a government contractor, upon my return I was in the process of buying a home. I pulled a copy of my credit report and noticed several items that I knew were not accurate. I did some research and found out that I was a victim of ID Theft. I notified the credit bureaus and they have not responded back to me yet. Below is the list of fraudulent accounts that I need to have deleted. 

-Credit Collections date opened : XX/XX/XXXX Bal : {$360.00} XXXX date opened : XX/XX/XXXX Bal : {$00.00} -XXXX XXXX date XXXX : XX/XX/XXXX Bal : {$00.00} XXXX XXXX  date opened : XX/XX/XXXX Bal : {$440.00} -XXXX  date opened : XX/XX/XXXX Bal : {$1200.00} -XXXX  date opened : XX/XX/XXXX Bal : {$8100.00} -XXXX  date opened : XX/XX/XXXX Bal : {$1600.00} XXXX XXXX date opened : XX/XX/XXXX Bal : {$590.00} XXXX XXXX date opened : XX/XX/XXXX Bal : {$770.00}
Product: Credit card or prepaid card

I am exercising right to withhold payment after making a good faith effort to resolve with the merchant and Capital One. 

See previous complaint ID - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX/XXXX   {$630.00}, XXXX XXXXXXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XXXX XXXX  XXXX XXXX, XXXX XXXX ( Financial Director ), XXXX ( Sales Manager ) and 700 Credit, XXXX XXXX ( Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries XXXX letter my wife XXXX XXXX XXXX 1 letter from XXXX  credit inquiry and 1 letter from XXXX  XXXX rescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to 700 Credit ( Compliance ) on XXXX, XXXX ( email ), XXXX XXXX XXXX XXXX XXXX XXXX , Customer Care Team & XXXX XXXX ( Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX ( email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute Request 3 Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX * ( see File 1 - personal letters pages 1,2 and XXXX XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX 3 credit reports from XXXX  and XXXX  XXXX XXXX ( see File 1 - personal letters pages 3,4, XXXX 's letter and XXXX  letter ) ** 4 700 Credit, XXXX XXXX ** ( see File 1 ... ) ** 1 XXXX  XXXX XXXX special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX of XXXX XXXX XXXX 700 Credit Step 5 - XXXX XXXX ( Financial Director ) and XXXX ( Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX ( Compliance Manager ) and XXXX XXXX ( Compliance Coordinator ) of 700 Credit
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX  XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

Received letter from Macy 's stating a credit card application was submitted under my name, and Macy 's was unable to approve the application due to address provided on the application does not match address on credit bureau report. Since I did not apply for Macy 's credit card, this letter indicate someone was trying to open a credit card using my name.
Product: Bank account or service

I used to be employed by BoA for 17 years when my job was eliminated in XXXX XXXX. Around XXXX or XXXX I walked into the BoA branch at XXXX XXXX XXXX, XXXX NY XXXX and closed XXXX checking accounts and XXXX savings accounts as I was no longer going to get my free employee rate on them. On XXXX/XXXX/XXXX I was informed they force closed XXXX of these checking accounts after waiving {$75.00} in fees and when I called to find out how they reopened an account I already closed I was informed I also currently owe {$25.00} and {$56.00} for XXXX other savings accounts that were closed that day. I was informed by XXXX at XXXX he could give me no info on why they accts were still open and I should go back to the branch I originally went to in order to fix this issue. I do not feel I should have to waste my time to walk into a branch when I should be able to fix this issue over the phone and I also do not have any faith that the branch that could not get this correct in the first place will fix the issue the 2nd time around. I already closed these accounts over 2 years ago and do not see why I should have to close them again because BoA can not do their jobs. I know these accounts were originally closed as I still have an IRA and a credit card with BoA and saw the accounts were closed and removed from my online banking about a week after I went into the branch in XXXX to close them. I feel that BoA is illegally opening accounts back up and charging fees on them and I need to have this issue rectified. Unfortunately, I do not have any of the information anymore regarding the closed accounts as that is not something I felt the need to keep for over 2 years. I guess I did not assume closing a checking and a couple savings accounts would be such a difficult thing to do.
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted from my credit report as I did not authorize these companies to run my credit this is fraudulent. 
Flagship credit acceptance finance- XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX Ally Financial XX/XX/XXXX Ally financial XX/XX/XXXXXXXX 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

Hello, In XX/XX/XXXX I made a payment that was past the due date, and Loancare, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing Loancare a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, Loancare took over the servicing of my account from XXXX XXXX XXXX at the end of XX/XX/XXXX just before this incident. This was a poor transition and I never received any information from Loancare instructing how payments and late payments would be handled going forward.
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. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) 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 seven years. 

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  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. 

and list of Inquiries. 

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 1681c. ( a ) ( 5 ) 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 seven years. 

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2024 I sent a letter of dispute to Jefferson capital to verify the debt, I gave them 30 days to reply and they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my consumer report in the beginning of XXXX of 2022 I noticed inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore they never asked for permission to furnish this information. Further they have assumed this vital role and have infringed my right to privacy selling my information to a 3rd party debt collector and pursuant to 15 USC 1681 ( 4 ) my privacy has been invaded and damages have been done, the damages arose were to my mental health and my ability to get an apartment. Also, in pursuant to 15 USC 6802 obligations with respect to disclosures of personal information, ( b ) Opt out. A financial institution may not disclose nonpublic personal information to a non-affiliated third party. I have the right to opt out, but they are not giving me the right to. XXXX, XXXX, and XXXX private policy explain how they protect the privacy of the consumer, but they allowed 3rd party debt collectors into my consumer report. Also in Pursuant to 15 USC 1681a ( 2 ) ( b ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. Exclusions, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. In pursuant to 15 USC1602 the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By any card that includes my drivers license, Social security card. To put everything together my student loan was approved but my social security number and drivers license were used a transaction of obtaining money and by law this can not be on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE The following accounts need to be deleted. The negative remarks from these were reported in bad faith, thus preventing me from obtaining credit so I can take care of my family. * XXXX XXXX XXXX opened XXXX XXXX, * XXXX XXXX XXXX opened XXXX XXXX XXXX, * XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX, * XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, * XXXX XXXX XXXX  XXXX opened XXXX XXXX, XXXX. * XXXX XXXX XXXX XXXX opened XX/XX/XXXX. * XXXX XXXX XXXX XXXX, XXXX. * XXXX XXXX XXXX opened XXXX. XXXX, XXXX.
Product: Debt collection

I have reached out to Capital One Bank Many times to tell them they have opened a fraudulent credit card account on my credit profile and they have done nothing to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to XXXX XXXX 's Consumer Fraud Department, advising them that there was an account that was opened in my name that I DID NOT authorize. I explained to them that I had learned that I had been a victim of identity theft, my personal information was used to open this account at their company. At that time, I had requested that XXXX XXXX, absolve me of all charges on this fraudulent account and to take the appropriate steps in removing this account from my credit report. 

I sent in this letter a copy of my identity theft report and the FTC notice to furnishers, which was a detailed list of the banks responsibilities as the Information furnisher. XXXX XXXX, under this law, once advised, was suppose to STOP all reporting of the fraudulent information resulting. THIS DID NOT HAPPEN nor did they advise any of the reporting agencies that I had in fact disputed the account which violated the FCRA and the FDCPA. 

As explained under section of the 605B FCRA, it specifically states, that the information, they provide the any credit reporting agency, may be the result of identity theft. They were responsible for ceasing in providing this fraudulent information and they were suppose to ensure they did not attempt to sell or transfer the fraudulent debt to another party for collection. 
XXXX XXXX, seems to be above the law, as I was contacted by a collection agency via mail for this debt. 

I did not receive anything from XXXX XXXX, so I sent letters to the credit reporting agencies disputing the account 6 months letter as this account still haunted me. 

It wasn't until recently that I received. a letter in the mail dated XX/XX/2020 from XXXX XXXX which stated that they had determined I as responsible for the account and that facts that I presented did not substantiate the claim. 

I placed two calls to XXXX XXXX, one call was in regards to their letter. I had requested the original credit application baring my signature, a copy of my drivers license, social security card. I was told that it would be mailed to me and since I had no ideal of the account it would be sent for removal. I did not see the account removed from my credit reports so I called back and spoke with another representative, who stated that it was sent back to fraud because that information could not be located. I explained my situation in DETAIL to XXXX, and advised her of my initials letter in XXXX and the previous call. She stated that she saw the letter and saw the notes on the account, however she needed my police report? I questioned her regarding that, as I had sent all of the information prior. What happened to it previously? If you have the initial letter then you have the police report and my identity fraud report.
Product: Checking or savings account

I went to make a withdrawal from US bank and the teller stated to me that my account is on hold, I asked why she said she didnt know and that the system doesnt give a reason so I tried another US bank and he said my account is in the mist of being closed and he dont know why. Ive called customer service several time and the reps said the system doesnt give them a reason to why my account is on hold. The bank has a hold on my money that I put in the bank. I never get any loans or any other financial funds for my money. This is my money that I made and they have no right to hold my money because it doesnt belong to them. I cant pay my bills at this moment because of this XXXX. I am very angry and if it comes down to it, I will have a lawyer involved to take US bank to court about damage they have caused me.
Product: Credit card or prepaid card

On XX/XX/2022 I made an online purchase of {$850.00}, immediately after I received a text from Citi stating " Free Msg Citi card XXXX Did you attempt {$850.00} at XXXX XXXX on XXXX? Yes=1, No=2 or sign on to Citi mobile app '' I responded " 1 '', they responded " Thanks. Your purchase was declined. Please retry. Your card is ready to use ''. I made the purchase again as instructed. I ended up being billed and receiving the purchased product twice, so I immediately returned the first product to the merchant and was credited ( after a lot of back and forth because in the meantime my credit card ending in XXXX was lost and replaced with a new card ending in XXXX. Additionally, the 2nd product I recieved was a XXXX gift which didnt fit so I returned the second product to the merchant and was attempting to be credited but there was an issue returning the funds to my citicard because the charge was flagged as fraud at Citi . Citi had drawn the funds back from XXXX XXXX in XXXX. I immediately contacted Citi to have this corrected so my refund could be made from XXXX XXXX. Citi then claimed to have corrected the issue and sent the funds {$850.00} back to XXXX XXXX on XX/XX/XXXX which is stated in a letter from Citi 's XXXX response unit. Months went by and I continued to follow up with the Merchant who continued to claim they did not receive the funds from Citi, finally on XXXX XXXX Citi admitted in a letter to me from Citi 's executive response unit that the funds were not returned to the merchant as they had stated on XX/XX/XXXX and they would re-issue the funds to XXXX XXXX on XX/XX/XXXX. I have since made weekly calls to the merchant and Citi because XXXX XXXX has not received the funds from Citi. I have asked Citi to remove this balance from my account because the root cause is there error, and they did not return the funds as they had claimed in XXXX, I feel that they did not return the funds as they claim they did on XX/XX/XXXX. I would like to have this balance removed from my Citi credit card.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how BRANDSOURCE/MACYS has reported my account to the credit bureaus XXXX, XXXX, and XXXX. I am combining the reports on these 2 companies because they addressed me in 1 letter of correspondence, claiming the 2 accounts were being addressed simultaneously. Their actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously contacted the creditor in regards to my account, once I noticed it was being reported as late. They had out-dated bank account information, which I had previously attempted to update, to no avail. When I explained this to the representative, they expressed that since the mistake was through no fault of my own, they would remove the negative information they were reporting to my account so long as I caught up on the missed payments, which I did. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. BRANDSOURCE/MACYS has also reported inconsistent and inaccurate information to XXXX, XXXX and XXXX regarding this account. Specifically, the payment status shows as " Paid as Agreed '' on both XXXX and XXXX, while XXXX reports " Late 150 Days ''. The date of last payment is reported as XX/XX/year> on both XXXX and XXXX, while XXXX reports a date of XX/XX/year>, and all 3 credit bureaus are reporting different remarks under " comments ''. Despite multiple disputes, all XXXX credit bureaus continue to report this inaccurate information, indicating BRANDSOURCE/MACYS has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.