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

This is my SECOND ATTEMPT to Dispute information as an official complaint with CFPB about Experian reporting False and Inaccurate information on my Credit Consumer Report. 
My initial Complaint with CFPB was on XXXX complaint Number XXXX with NO Success. 
My attempt to resolve the issue with Experian over the Phone was on XXXX XXXX with NO Success either. 
I have attempted over the past few months previous to these complaints to rectify the issue through the ways of Letters and Online disputes with NO success and or explanation of the investigations and re-investigations. I have NOT received any information on the Investigations and relevant information as to who what when and HOW this information Experian reports every month was accurate. I am entitled to this information so I can follow up on it all. 

I requested Experian to investigate and then re-investigate XXXX XXXX XXXX Account number XXXX which shows charge off on my consumer credit report for over 2 years. I requested that because the amount is over {$600.00} and NO 1099c was given since any " Canceled debt '' over {$600.00} according to The IRS canceled debt is to be reported as income and no longer able to be claimed as debt. Canceled debt must be reported as taxable income and filed through Form 1099-C. If the canceled amount is {$600.00} or more, then an individual is required to file with the IRS. In addition to this violation Experian continuously reports CO from XXXX of XXXX to present essentially re-setting the CO date each and every month. All of these I also asked Experian to investigate and then Re-investigate XXXX Account number XXXX which shows charge off on my consumer credit report Since XX/XX/XXXX to XX/XX/XXXX These INACURACIES are adversely affecting my credit report and ability to obtain new credit. I called Experian and requested INFORMATION pertaining to this issue ONLY and was told that they could NOT provide ANY information on who and what was used to legitimatize this investigation and re-investigation. I spoke with many representatives at Experian on XXXX XXXX only to end up talking to a XXXX named XXXX on the same day about XXXX who ultimately informed me the only thing he could do is dispute the matter again. I argued that I do NOT wish to be flagged as a frivolous disputing person since I have already disputed the account several times and that Experian 's Investigation and Re-Investigation would have proved with the factual evidence and by law should be removed from credit profile had it been investigated properly in the first time. I exhausted all my abilities to rectify the issue with Experian which included the request to speak to a legal dept, other managers or higher up managers via phone and or email to which XXXX declined and ultimately hung up on me. 
Please VIEW the attached Jpegs to see and verify MY identity and MY factual Disputes and Evidence to support the issue at hand. DO NOT RESPOND AGAIN WITH NOT HAVING ANY AND ALL REQUIRED INFORMATION NEEDED AGAIN.
Product: Checking or savings account

So on XX/XX/XXXX, I authorized an ACH from my checking account for {$780.00}. On XX/XX/XXXX, I received a text to confirm the transaction. I did not respond because I wasnt positive that I would be able to pay on that day. On XX/XX/XXXX at XXXX XXXX, I received another text to confirm the payment for XX/XX/XXXX. I promptly responded to please move that payment to XXXX. That was enough time to remove from the system if it had been put in. I received no other communication until XX/XX/XXXX, stating it was put in and there was nothing they could do. This is not the first time they have gone into my account without confirmation. This company just goes into your account when they want to and disregards any requests you make to stop them.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

On XX/XX/2022, I saw an offer for a Southwest Airlines Chase XXXX when booking a flight, and applied for the promotional offer. I received an email on XX/XX/XXXX stating I would hear back within 30 days. I checked my credit report and I see there is a " hard inquiry '' from " Jpmcb Card '' on XX/XX/XXXX. This indicates my credit was checked, and therefore negatively impacts my credit score. 

As of XX/XX/2022, 44 days later, I still have received no additional emails, mail or phone calls regarding the application. I called to inquiry. After being transferred to 5 people, I was told I " should have received a letter '', but no one can tell me anything other than, " my application was archived '' and the card was not issued. I asked for a reference number and was hung up on. 

Per the ECOA under 1002.9 Notifications, I have the right to be notified within 30 days if I was denied or if my application was incomplete. I believe " Jpmcb Card '' / Chase is in violation of my rights under the ECOA by not providing any notifications within 30 days and then being unable to provide me any additional information after the 30 days.
Product: Debt collection

I am a victim of XXXX in the way of financial, XXXX abuse. 

My ex husband opened this account in my name for a computer because if I remember correctly he could n't get a loan. It should have been a red flag then. 

They had called incessantly for years and he has never resolved it. 

Could you please look into the original documents and how this was opened in my name. I looks as if it was done with some kind of credit card, so he could have used my information without needing my signature. 

He has been sued for fraud and had a {$160000.00} judgment against him. Ran over my foot and left the scene and it was considered a XXXX XXXX, but the judge just charged him a fine. He also owes the IRS, Lost our home etc ... And yet Nothing is his fault
Product: Debt collection

There are phones added to my account that I did not authorize. I have called XXXX on several occasions to fix the problem but XXXX failed to comply.
Product: Credit reporting or other personal consumer reports

I was a customer of PNC for years never having a late payment once with them. I contacted them to get a late payment remark removed from my credit report especially since my payment history is in perfect standing & has never been late. They then said I needed to speak with the credit bureaus ( XXXX XXXX XXXX ) to get it resolved which I have.. the credit bureaus have said that I need to resolve it with PNC. I am being sent in circles about this & have sent letters to each of them on XX/XX/28 to get this late payment removed from my credit report & have yet to hear back from them. These are incorrect & unlawful remarks being represented on my credit report & I am declaring that they get removed immediately.
Product: Money transfer, virtual currency, or money service

Wise is XXXX profiling money being sent to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding unauthorized entries on my credit report. Specifically, I have found that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX are listed on my report and I did not authorize these companies to access my credit information. 

I have not had any business dealings with these companies and I am concerned that these entries may be the result of identity theft or other fraudulent activity. I request that you immediately remove these unauthorized entries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. i have been contacting transunion about accounts that is on my credit report that doesn't belong to me over 3 months. i demand this be deleted immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I called Ally Bank to get a cashiers check. I needed this check on XX/XX/XXXX which is 10 business days after the call. They said it would take 7-10 business days to arrive. My husband got a cashiers check from Ally a few weeks prior and it arrived within a week ( 5 business days ) so we followed the same timeline. The check did not arrive as planned. When I called they said there was nothing they could do, it got delayed in getting sent out, not mailed until XX/XX/XXXX, wouldnt cancel the check, increased my debit card atm withdrawal to $ XXXX for 2 days but said I had $ XXXX limit for point of sale ( needed to get a money order since check didnt arrive on time ) On XX/XX/XXXX, went to get a money order at XXXX ( XXXX ) grocery store, transaction declined. Called Ally, verified my identity, they said it was flagged and there was no way they could approve it, said I had to try later or go to another institution. I asked to have my atm withdrawal increased since it was $ XXXX and I needed {$2100.00}. Declined by customer service. Said I should buy something at the grocery and get cash back. Did this, transaction declined. 

Got my $ XXXX money order with the cash I was able to withdraw and begged the institution I owed to give me another form of payment after explaining my situation and they worked with me. 

Cashiers check arrived within 11 business days
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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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: Credit reporting, credit repair services, or other personal consumer reports

For the last few months, I have been trying to have these old account remove from my credit report. but even after all my dispute letters and proof old the law stated by the federal government, that account 7 years and older that are close must be removed. But all three bureaus just keep writing account verified, without providing me any proof of method used to verify this or law stating that item may remain on report after 7 years.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the inaccurate or misleading information on my credit report. Specifically, I request the removal of the following inquiries, as I did not authorize these lenders to make any inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15USC1681 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX and Experian are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared per 15USC6801 which also states " It is the policy of the Congress that each financial institution has an obligation to respect the privacy of its costumers and to protect the security and confidentiality of those customers ' nonpublic personal information. Neither of the three reporting agencies have requested nor received my written consent to furnish any information to my consumer report. 15USC6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, Experian nor XXXX informed me of my right to exercise the nondisclosure option. 
USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' Several of the reported accounts are adverse items they are reporting without my permission which is against the law. 
15USC168c states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. None of the reporting agencies are maintaining reasonable procedures.

15USC1681 ( a ) ( 2 ) states a consumer report DOES NOT include ( i ) transactions or experiences between the consumer and the person making the report. I have several late payment transactions reporting on my consumer report which adds another violation.

15USC1681 ( 3 ) Restriction of sharing of medical info.

( a ) medical info ( b ) list or description based on payment transactions of consumer for medical products or services.

15USC1681n " Any person who willfully fails to comply with respect to any consumer is liable to that consumer in an amount equal to ( 1 ) ( a ) damages sustained by consumer as a result of the failure of damages less than {$100.00}, but not more than {$1000.00} ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had 6 collections I was in fact never late on or have knowledge of. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XX/XX/XXXXXXXX  for account # XXXX, and dates XX/XX/XXXXXXXX  for account # XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for account # XXXX, XX/XX/XXXX for XXXX and finally on XX/XX/XXXX for account # XXXX This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting. Even in the screenshots you can see the inaccuracy of the reporting. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed this account XXXX/XXXX XXXX is open and with a balance of XXXX this information is inaccurate. This account is now closed and the balance is XXXX, please update this information in my credit report.
Product: Credit reporting or other personal consumer reports

This is because a child support being reported to my credit. Child Suport is not credit and it should not be in listed as bad credit because it hasnt nothing to do with credit. They also are reporting me as the worst credit rating possible which doesnt make sense because Im paying all my payments on time I have not missed a payment And theyre reporting me as the worst possible credit possible which is unfair.
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent and do not belong to me. Please remove them from my credit report immediately. Also including these inquiries below : 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 These inquiries are fradulent and do not below to me. Please remove them from my credit report. Also these inquiries below : 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report Transunion and noticed fraudulent inquiries on there
Product: Checking or savings account

I deposited my check from an an account closure check I received from XXXX after contacting the Consumer finance protection Bureau to my capital one savings account and a few days after i received money back from a reversal from when I got hacked. They froze my account and told me to call them. I asked them to verify my funds and they told me theyre closing my account and that they will issue my balance basically whenever they feel like it. This feels like abuse now. Something does not feel right and Im going to find out. This feels extremely discriminatory especially with who I was speaking to on the phone. Now I have to wait for my money another month because of this
Product: Credit reporting or other personal consumer reports

Td credit card account XXXX. Was open fraudulently after my identity was stolen I have contacted all partys including td bank and all 3 credit bureaus at one point it was removed from my credit report but then returned some time later this account never belonged to me. I have file a formal identity theft report with law enforcement and attached a copy of the report to this complaint
Product: Money transfer, virtual currency, or money service

am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I have contacted the listed creditor to provide proof of consent without successful response from them. 
According with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I find that the creditor has violated all of the laws stated above. I request that their reports be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted a dispute in XXXX to Equifax. 
Certified Mail states they recvd on XX/XX/2020. USPS tracking number. 
I recieved a letter from Equifax dated XX/XX/2020 saying they can't locate my file. STALL TATIC. THEY HAVE ALL MY INFORMATION. They refused to investigate the results on XX/XX/2020 dispute. Instead said the dispute was ReAged to XX/XX/2030. That is Violation of my FCRA rights. And against the law. I asked for 5 managers, no one to transfer to. Asked for corporate. They abandoned the call.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I notice there has been a charge off closed account on my credit report that's closed, but currently reporting active payments which has harmed and neglected my credit profile XXXX 've tried reaching out to this company regarding this issue as well as the lender and I've not had a successful chance with resolving this XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX DATE OF CHARGE OFF XXXX XXXX CHARGE OFF AMOUNT {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Through XXXX I obtained my XXXX and XXXX XXXX, but then Equifax refused to provide their report to me and made me call their call center. After several attempts I got through to their call center and they immediately began trying to sell me a subscription and to sign up for their company 's service directly to get my credit report instead of providing it free through XXXX as required by federal law. 

They are now running a scam, whereby they refuse to provide the report as mandated by law, forcing you to call their customer service number, which is a call center in XXXX or XXXX where you can hear all the other people on the phone in the background. They then attempt to sell you a subscription or to get you to sign up directly for their service, by-passing annualcreditreport.com. 

I spent a half hour on the phone, provided a tremendous amount of information, and they still wouldn't unfreeze my access. They did provide me with a CS phone number for XXXX, but it only has 3 options and none of them are to speak to a person for help. 

I want them punished for this scam, and I want access to my report digitally through XXXX
Product: Credit card or prepaid card

Dear Citi Executive Response Unit : I received your letter dated XX/XX/XXXX ( see attachment ) in regards to the dispute for {$130.00} dated XX/XX/XXXX. I notified Citi immediately as soon as I saw the charge on my Account as per the cardmember agreement that I did not authorize this transaction ; yet Citi did not do anything to protect my account from the unauthorized charge. This is a breach of the agreement by Citi. If this transaction is not removed from my account immediately within 10 business days, I will be pursuing alternative options of resolution outside of Citi for resolution. 
Sincerely, XXXX XXXX, XXXX, XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A States I have a 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 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 conviction of crimes which antedates the report by more then 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.