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

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 

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 reasonably cause to believe that the information is inaccurate. 

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

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 and number of Closed accounts that needs to be removed. 
XXXX XXXX XXXXXXXX date open XX/XX/XXXX. Not my account, XXXX XXXX XXXX XXXX, opened XX/XX/XXXX. Not my account. XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX. Not my account. XXXX XXXX XXXX XXXX, this account should have been paid through XXXX XXXX XXXXXXXX insurance. Should not be on my credit report. XXXX XXXX XXXX XXXX Open XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX 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 repot 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 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: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that a XXXX XXXX  credit card that does not belong to me is reflecting on my credit. 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, this is not my XXXX credit card and I have never applied for one. ( XXXX  XXXX ) Please investigate and provide Proof with executed credit card agreements showing my signature and ID. If proof can't be provided I demand this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous account reporting on my Credit report. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at XXXX Credit Bureaus. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. 

I initially brought the matter to your attention. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. 

I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. 

I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. I am asking for your immediate assistance to correct the late open accounts : XXXXXXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$1900.00}.
Product: Mortgage

I have been over paying my mortgage but they keep putting it into an unapplied account instead of applying it to my principal I called Mr cooper and told them just apply any over amount to my principal they said ok and then the next month nothing changed it just keeps going to unapplied accounts I called them last week they said they would take care of it but I havent seen changes the website doesnt really help out its mostly for making payments and refinancing Ive had so many problems with Mr cooper XXXX been trying to to do an assumption to get my ex wife off my mortgage for the XXXX yrs I finally just gave up they just keep giving me the run around and holding paperwork till its pass its dead line then tell me I got reapply
Product: Credit reporting, credit repair services, or other personal consumer reports

there are other address and accounts and collections reporting to my credit report and i have zero knowledge of who opened these accounts and how but they dont belong to me and this really frustrating that someone was able to use my personal private info i can never feel safe again
Product: Credit card or prepaid card

For the second time within less than 30 days, I am seeing my credit card account blocked by synchrony bank. This is happening because I use a VOIP phone service and said lender claims to not recognize it for verification purposes. This second time around, I received a text message to confirm a transaction and I decided to call in order to request further information. If I had not called and simply responded to the text message, I would not have seen my credit card account blocked as I did while abroad. This is severe harassment now. Lender claims to have sent out a letter with a code that will take 10 days to be received. While I do understand security concerns, this is completely pointless and truly defeats its purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.
Product: Credit reporting or other personal consumer reports

The economy is bad and so is my credit report, but after thoroughly looking at my credit report it is clear which is way worse all I see are erroneous information which is causing me overwhelming stress and frustration. Never knew that upholding your rights as a consumer is this XXXX that I have to go through all this suffering, I wouldn't even be able to buy the necessary things to set my life back on track due to my low credit score because of all the incorrect information reported on my credit report.
Product: Debt collection

XXXX XXXX has stated I owe a debt of {$680.00} from LVNV LLC. Would not give me any information as to the name and address of the originator of the debt. Made me give my information then stated I didn't live there and wanted another address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my XXXX  report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX  credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that appears on my credit report. This inaccurate information is harming my creditworthiness, and I am requesting that you investigate and correct this error promptly in accordance with the Fair Credit Reporting Act ( FCRA ).

Details of the disputed item : Creditor/Lender Name : XXXX XXXX Account Number : Ending in XXXX Date of Alleged Late Payment : XX/XX/year> I believe this late payment entry is incorrect because I made the payment on time, as I have for the last 2 lease terms. I called XXXX to state that the funds were not debited from my account mid-month. I then sent two payments to avoid any problem. I sent supporting documentation of the canceled checks.

I have disputed this in writing and online with no luck at all.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are XXXX inquires on my credit report that I did not authorize. The first is an inquire I received from XXXX XXXX XXXX ON XX/XX/year> and the second inquire being XXXX XXXX XXXX on XX/XX/year>. I DID NOT authorize any of these inquires on my consumer report. Furthermore the XXXX XXXX XXXX negatively affected my score causing it to drop down XXXX points. I have attached a correspondence I received from XXXX of them notifying me that my XXXX score decreased XXXX points. This occurred on XX/XX/year> the same day that the XXXX XXXX XXXX inquire showed up on my credit. Furthermore the FCRA proclaims that if I did not authorize this on my consumer report it must be removed. 

15 U.S. Code 1681b - Permissible purposes of consumer reports 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.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) As u can see the FCRA states clearly that if a consumer does not authorize the reporting of an item to their consumer report it must be removed. I am demanding that these XXXX inquires in regards to XXXX XXXX XXXX  and XXXX XXXX XXXX be removed from XXXX XXXX XXXX XXXX XXXX file immediately.
Product: Credit card or prepaid card

I have SEVERAL charges on my account for things I have not ever even used or heard of, Ive tried on multiple occasions to contact the card issuer they never answer the phone or just hang up and theres no way for me to file a dispute online, I have had over XXXX $ taken off this card and Ive tried numerous times to get help I dont know what else to do. I have pictures of how long Ive stayed on the phone and still no help. The main charges happened the months of XX/XX/20 & XX/XX/20 in the month of XX/XX/20 there were 3 separate charges 2 of those were in the amount of XXXX the other was XXXX and in the month of XX/XX/20 I had XXXX $ on there one day and the next it was all gone Ive canceled that card and already have my replacement but I need the money Ive lost
Product: Checking or savings account

ON XX/XX/2021, I unfroze 4 bureaus that I have frozen, and applied for a savings account via Vio Bank. My scores are all above XXXX, and all information provided on the application is accurate. 

The website denied the application, without providing any reasons. The website did provide a phone number, which I called, but the agent said they can not provide any information nor the databases they used to deny my application. The agent suggested I tried again on the website. 

So I tried again two more times on XX/XX/2021, and again once on XX/XX/2021. Same result. 

I have decided to take my cash elsewhere ( I am just trying to maximize FDIC coverage by opening more bank accounts ). 

I do, however, demand that this bank inform me, in writing, about the reason ( s ) for denial, as well as the source of any and all information they have used to reach their decision, so I have the opportunity to contact the sources and rectify any errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX claims they charged off a debt of {$140.00} for an account that was not mine yet they report it as a bad debt against me. The account XXXX was my father 's checking account, not mine. 
XXXX closed the account immediately once he was deceased without notifying anyone. Apparently this caused overdrafts for auto payments totaling {$140.00}, but rather than alerting anyone in our family they instead reported it to the credit bureau. Had they attempted to resolve with my father 's estate, it would have been paid promptly. Once my brother ( the executor  of my father 's will ) discovered that this amount was overdraft from seeing it on his and my credit report, he went to XXXX and paid it in full. We have a receipt for this which we have produced multiple times to XXXX and to the credit bureau to no avail. I have tried multiple times to get XXXX to remove this bad report because : 1. They didn't have to charge off the {$140.00} ( it was paid ) 2. It was my father 's bank account NOT mine
Product: Credit card or prepaid card

Im writing to contest my wells fargo card service account that i closed in XX/XX/XXXX. I did debt consolidation and paid a company that closed the account and made payments for me. I received multiple late payments in XX/XX/XXXX even the the account was closed XX/XX/XXXX. I made all my payments to the 3rd party debt consolidation company. I dont know why i have all these late payments.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : ( Original Creditor : ) XXXX XXXX Account Name : ( Original Creditor : XXXX XXXX ) # XXXX Account Name : ( Original Creditor : XXXXXXXX XXXX XXXX  ) # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Your information states that there is no fee for purchases at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX. I was charged {$3.00} on the transaction of {$55.00} XXXX and for each transaction, there is a fee ) ; I want my money back. Why are we charged a fee when those with checks were not? 

Then I went to customer service with a line supervior to pay for my items and get more than the {$100.00} allowed at the registers. This failed. The cashier gave me a short notice of approx. : XXXX Length : XXXX inches with this information XXXX XXXX # XXXX op # XXXX TE # XXXX TR # XXXX DEBIT NOT APPROVED CALL AUTHORIZER
Product: Bank account or service

I used to have a joint account with a friend back in early 2004, which eventuallywas closed by the other party without my knowledge. 
When it was closed, the account was overdrawn by about {$250.00}. Since I wasalso on the account, Bank of America took the overdrawn balance from thejoint account from my account. I had no problem with them taking the {$250.00}, asmy name was on the account. 
The issue is when I want to open an account at a different bank, I was denieddue to XXXX XXXX showing I have a bad record. 
I confronted Bank of America a few year back, and they claimed that theywould take care of it. 
I had not thought about it again since I have not tried to open an account. 
However, recently I wanted to be added into an account, but again was denieddue to XXXX XXXX.
Product: Debt collection

We went to a doctors office for XXXX XXXX XXXX XXXX XXXX XXXX The physicians office is in the same medical complex as a this small hospital, They suggested we go to the XXXX  XXXX  for the XXXX. This was a mistake we eventually returned to this clinic to get the XXXX  and the XXXX. In the meantime, we were admitted unknowingly in the XXXX XXXX. After the confusion was settled we returned to the clinic to receive treatment, unbeknownst to us that we were admitted ( on paper ) to the XXXX XXXX. These bills are not from the doctors office but the XXXX XXXX  which didn't service us! 
Secondlym we didn't sign a HIPPA release of our files to the collection agency of a hospital we didn't get admitted to!
Product: Debt collection

I got a collections notice to my XXXX XXXX and XXXX apps today from Indigo Mastercard. I have never heard of the card or account that I am disputing. I never applied for this card. It never even showed up on any of my credit reports until today when it showed up as a collections account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX  Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, -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 ALL NEGATIVE ACCOUNTS LISTED 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
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized and fraudulent inquires reporting on my credit reports
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I checked my credit today and found a derogatory collection on my XXXX  account showing a balance owed of {$160.00}. 

I called the collection agency about the alleged debt which they did not provide.

Stating they have no information that matches me to the debt.
Product: Credit reporting or other personal consumer reports

There was a payday loan that XXXX allowed for someone to open up online/over the phone in XXXX. I have attempted numerous times to reach out to XXXX regarding this fraudulent account with no success