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

XXXX is knowingly reporting False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card or prepaid card

I called Capital One at the beginning of XX/XX/XXXX to discuss how my name ( XXXX XXXX XXXX ) was on a credit card without my permission. They assured me the credit card was not associated with my social security number, and closed the account. At the beginning of XX/XX/XXXX, I checked my credit score on credit karma and found that the card was associated with my credit line. I called Capital One again to find out why the card was on my credit line. They told me that XXXX XXXX  opened this credit card and that they acquired the account in XXXX. The only people I can think of that have access to my banking information who would use this in fraudulent ways is XXXX XXXX XXXX XXXX XXXX business office, specifically XXXX XXXX, Procurement Coordinator, and XXXX XXXX, my legal mother. XXXX XXXX made a comment that she and my supervisor XXXX XXXX, Executive Director, Marketing and Communications,  have access to my A number ( that is tied to my social security number ) and can access my banking information at any time. Also, XXXX XXXX gave me the card. XXXX has told me verbally that she tries to hide money in different accounts and asked to hide money in one of my accounts while she was in a legal dispute. The account has been terminated according to XXXX XXXX, but I wasn't aware it existed till XXXX of this year. I have been employed with XXXX XXXX XXXX XXXX since XX/XX/XXXX. They have been caught stealing money from The Missouri Department of Economic Development in the upwards of XXXX XXXX dollars. They also have a very lackadaisical business office practice for their procurement processes. As an administrative assistant, I witnessed their software, XXXX, have multiple business accounts with slight variations of names so that they can pay out of different business lines. I also witnessed them cut checks for large quantities ( hundreds of thousands ) to businesses without going through there XXXX software. Because XXXX XXXX XXXX XXXX has already been involved in stealing money from government departments, and they are threatening me for speaking up about what I know about the school, I am afraid that they may commit identity theft and use my name for fraudulent practices.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES IS NOT MINE 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

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Product: Credit reporting or other personal consumer reports

It is Illegal to report records of my transaction history.Reporting transaction history violates the privacy act of 1974 and permissible purposes outlined in the FCRA. My transaction history should not be shared with third parties.I have not consented to the disclosure of my transaction records, and my information was reported without a permissible purpose, violating the FCRA. I Demand to cease reporting transaction history on my credit report. Any and all records reported be removed immediately.
Product: Credit card

American Express directly marketed a new 0 % interest free credit card to me. I clinched on the marketing email, applied, my credit was ran and I was approved for the interest free card in XXXX of XXXX. Apparently, because of a late fee Amex assessed in XX/XX/2023, they applied a penalty to my account and removed the 0 % interest rate and replaced it with a 29.99 % interest rate, without providing any notice of the change in rate or penalty rate increase. From XXXX - XXXX, I never used the card or paid the balance off immediately, so interest was never a concern. This past month, I carried over a balance for the first time, made the minimum payment, and was charged a {$230.00} interest fee charge, which is the first time I was made aware of the change in interest rate from 0 % to 29.99 %. I chatted with Amex customer support and they confirmed they assessed a penalty in XXXX and changed my interest from 0 % to 29.99 % and never notified me of this change but told me that if I checked the statement, I would have seen the change. 

Not only did they provide no written correspondence about the change in rate, which was confirmed by the support representative ( see attached ) they also confirmed that my account has SCRA benefits applied, which is illegal to charge any interest over 6 % while on XXXX XXXX, which I currently am. Which they confirmed and can also be confirmed on the DoD database. I am attaching all relevant screenshots of my conversation with Amex support.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX   which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I have already contacted bank of America and told them this overdrawn amount in the checking account of : XXXX is fraudulent. My wallet was stolen and someone deposit and withdrew money from my account. I called bank of america and they have yet to resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Verisk Financial dba LCI Consumer. I received a response from LCI regarding a dispute of an alleged bankruptcy record it obtained from ( XXXX  ). According to LCI, it obtained this record in which they claim, it included " Four digits of my SSN '' which is not public information. In which I believe was errounously matched to my report. 

However, I have challenged their investigation for the following reasons : ( 1 ) LCI did not verify the " Accuracy and Completeness '' of this record with the courts according to the attached notice from TransUnion and the Bankruptcy Court. In the notice, TransUnion admitted to using ( XXXX  ) as it's " Validating Source ''. I contest that my " Personal Information '' could have been transposed with another consumer 's information. 

I am concerned that this data company could have created an account illegally and added it to my credit file. The attached letter from the courts, certifies that the courts " Do not report to XXXX XXXX ''. Therefore, LCI must remove this record from it's database as it is " Incomplete '' and " Unverifiable ''. Please note that by using PACER as the validating source, LCI and TransUnion has violated 15 U.S. Code ****i. LCI has no " Permissible Purpose '' to obtain, or transfer my personal information to any CRA. LCI has violated my privacy by transferring my " Personal Information '' to TransUnion. While I am fully aware that bankruptcy records are public, and that data furnishers do not need a consumer 's permission to share them, the law prohibits the reporting of such records, if they are " Incomplete '' and unable to be verified from it's " Originating Source ''. 

I am demanding that LCI removes my " XXXX XXXX '' from their database as they have no " Permissible Purpose ''. I demand LCI ceases the reporting of this " Unverified '' bankruptcy to TransUnion and any other source.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data reported by agency is not accurate and/or outdated, which is greatly impacting my credit score.
Product: Debt collection

I received a text message from my auntie about 3 weeks ago saying someone was trying to get in contact with me about a loan of somewhat I told her it might be a scam but she suggested I called the number anyway so when I called I talked to the nice lady she gave me the information I needed and I let her know that it wasnt me who have received the loan and told her the background of everything and more information she needed to know on the situation I know the person responsible and they have also owned up that they have did it but no more communication at this moment.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my second time writing them to update my personal information. 15 USC 1681 ( a ) ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These reporting agencies I know nothing about, they had no reason to keep checking my report i never heard of them, and they were checking 5 and 6 times a month damaging my credit history this is unacceptable and want them removed, if not I'm filing a lawsuit, I feel like im definitely a victim of identity fraud, and its making me very upset, these are the hard inquires .... 
XXXX XXXX - from XXXX about 10 times XXXX from XXXX of XXXX I don't know these people XXXX XXXX XXXX  XXXX Factual data  XXXX They have all fraudently pulled my name, and my identity, I'm scared and confused, please remove these people
Product: Debt collection

XXXX was forgiven and closed and still showing on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX have 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 an account without my written instructions.
Product: Credit card

On XXXX/XXXXXX/XX/XXXX my credit card became compromised. I had to contact Bank of America to have the card shut down and get XXXX reissued. However, I had already begun making payments to the old card number in the amount of XXXX on XXXX/XXXX/XX/XX/XXXX and XXXX on XXXX/XXXX/XX/XX/XXXX I also had returned an item for XXXX that posted to the old card on XXXX/XXXX/XX/XX/XXXX. Bank of America took over 30 days to process the transfer from the old card to the new card. I was given multiple different answers by multiple different associates. I wasted hours of my time and was lied to by this company on multiple occasions. The issue was not straightened out until XXXX/XXXX/XX/XX/XXXX. During XXXX phone call, I was hung up on by XXXX of the representatives. They acted completely unprofessionally and handled my concerns and issue in an entirely unethical manner. Because of the way this situation was handled, I have opened another card with a different company and will not be doing business with Bank of America any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a lot of inquires for credit on my credit report all 3 of them XXXX, there are address on my report that do not belong to me TransUnion, and XXXX. i called all 3 to have a fraud alert put on my credit. they told me to come to the website to fill a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, 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. 

I told the Transunion, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX, XXXX acccount # XXXX  XXXX XXXX bank account # XXXX  XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXXXXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX accout # XXXX  XXXX XXXX  XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activities, the addresses on files and much more is incorrect. 
according to 15 USC 1681i ( 5 ) they are supposed to modify accounts that is not reported correctly or delete them. 

15 USC 1681 SECTION 602 A. states i have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 the records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

*******see attachments for detail supporting******* Dear Manager at the Credit Bureau ; Im a little shocked today! Can you help? Btw, happy XXXX XXXX! 

I just refreshed my credit report once again and honestly, I was shocked and surprised that these 3 negative accounts are still reporting on my credit report. I dont understand how is it possible that you actually stated that you VERIFIED this account as ACCURATE. As you can see the screenshots below, and Ive circled the inconsistencies, misleading and incomplete info on the way its reporting. Its my understanding that you must conduct a reasonable and thorough investigation not the computerized 2-digits number through e-oscar. I can not accept pre-printed template results, and this shows that youre NOT in compliant with the consumer laws. Saying that you verified, is a binding & legal contract that I can hold you against. I can promise you that its impossible that you verified these accounts below on the screenshots because they are reporting 3 different dates of LAST ACTIVE, LAST PAYMENT, LAST REPORTED, OPENED DATES, inconsistencies with payment history and payment status, etc. Its impossible and this is in violation of FCRA! Even the High Balance and actual balance is questionable! Also, wasnt both XXXX, XXXX, and XXXX sued before for not compliant with FCRA by FTC and Cfpb? Especially XXXX, for not applying for the payment currently into the consumers account? Im sure they were sued and forced to pay the consumers and removing the derogatory remarks!!!!
Product: Mortgage

I received a phone call from ShellPoint Mortgage Servicing on XXXX at XXXX asking me to verify personal credit information and they referenced me to my previous foreclosed home at XXXX XXXX XXXX XXXX XXXX Il XXXX. The company Shellpoint mortgage servicing also know as Resurgent XXXX Servicing was a company inwhich I had a second mortgage and I filed Bankruptcy on or about XXXX inwhich the debt has been wiped out. 
They continue to call and harass me when they had a copy of my credit report which verifies and shows that I filed bankruptcy and the debt had been dismissed. I told them to stop calling me and harassing me to put me on their do not call list but they continue to call and harass me.
Product: Debt collection

The original debit was to XXXXXXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXXXXXX  health center never been contacted by XXXX XXXX to pay the debt or to make an agreement with the hospital to pay the debt. after they filled the bill improperly to the insurance, Instead, they decided to send the debt to a collector in XXXX XXXX XXXX XXXX debt collection laws because as live in XXXXXXXX. They have sent me repeated letters that say that my information was sold from the hospital to them, along with the debt in an attempt for them to collect the debt. they call me multiple times a day from multiple different robot numbers changing their number multiple different times they call me while Im at work. The debit collection agency Capio partners ( XXXX XXXX XXXX ) never once informed me on their intentions to purchase my debt and to collect. Nor did the hospitals, tell me their intentions to sell my debt to the collector so that I could handle the debt before it even reached this point, My personal information my email my address and my phone number have all been sold to this company in XXXX for an debt less than {$2000.00} without even contacting me or trying to consolidate it not once did I ever make verbal or written agreements with this company or with the hospital for my debt to be moved or displaced anywhere other than with the company I had made the treatment agreement with this is an obvious method of subterfuge used by this company and by the hospital to collect this debt how they didnt violate my doctor-patient confidentiality right is beyond my reasoning
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card service bureau i had closed my account with a XXXX due to not being happy with the card I never rendered services and they put it on my credit report which should never be on it. XXXX all three credit companies have not fixed the issues they all want me to pay for membership which is not right
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX