23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 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 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 XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : XXXX  I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX to XX/XX/XXXX a XXXX XXXX had been taking money from my account, unauthorized by me. The increments started low, and went on 1 and 2 times per day. The increments increased in value over the month. The thief used a XXXX XXXX  such as XXXX  to make the transactions. The total equaled {$9800.00}. When I called Bank of America on XXXX first I filed a claim. I was told it will take 45-60 days. It took less than 10 days to make a determination on {$9800.00}. The main reason they denied was " it did not follow the typical fraud pattern '' Also they said it took me too long to report. Also, Bank of America did not send me one notice via text or any other communication suspecting fraudulent activity. with 46 transactions, sometimes 2 per day, equaling over {$400.00} dollars at one point.
After the claim was denied I was instructed by Bank of America to file a police report to be able to reopen the claim. I did so and opened the claim again. The claim was closed in a week and the same reasons were given. 
No one ever called me to discuss it or ask questions. Which I would think over 10k someone would call me in a real investigation. And they did not.

On XX/XX/202 I have called back to get an explanation and the opportunity to speak with someone with decision making capabilities. Thus far it has proven unsuccessful. I have been a Bank of America customer for 15 years. I trusted them with my money and it is clear they don't really care about me or my family. 

I am uncertain who to turn to in this situation as there is no way I can just let this go. Thank you for any help you can provide me and my family.
Product: Credit reporting

My name XXXX . XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a XXXX balance. 
I contacted the XXXX major Credit bureaus, Equifax , XXXX, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?
Product: Credit card or prepaid card

I have been hacked and scammed over XXXX times and it continues to happen while my XXXX XXXX sits at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX and I can do nothing I have reported to Police, XXXX, OIG, AIG, CFPB, XXXX, XXXX and elected officials and the credit agencies and Pay pal before this charge even went through because I told them cause it was already charged on my account They did nothing at paypal to stop it and the other company said they were not going to remove it because I reported to paypal and they would get away with it and show proof on there end that they could get away with this, Please HELP, ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry XX/XX/2017. I did authorize this Inquiry. I contacted XXXX XXXX and they are supposed to remove it
Product: Debt collection

I want to dispute an error on my credit report. The equifax the agency XXXX XXXX XXXX, put me in collection that reflects on my equifax credit report, stating that I owe them {$11.00}. I contacted them but they don't want to give me info whether this amount is from a credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft. But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /EDISON a proof of residency. My problem started when I purchased a home located in XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I never lived at this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I don't know when someone used my name to open an account with several banks are taking out long and credit cars, in almost all banks they took out credit using my fraudulent name, his collection agency is harassing me for a debt I never bought and that was opened fraudulently. Please help me. My credit is destroyed by identity theft. I never took out a loan let alone applied for a card. They need to verify the signatures. The face of the person. I never signed for a loan.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX I terminated the lease of my XXXX XXXX with XXXX XXXX XXXX XXXX. I paid all the dues by XXXX of XXXX except for their " estimates '' for property tax. The problem is I reside in Texas and there are no such taxes for vehicles for private use. XXXX failed to produce an official bill from the state of Texas, or from my county. They persisted in keeping the charges and then labelled my account as a charge off. I am attaching evidence of having paid all dues besides the estimated tax, and the bogus document that XXXX cited as proof of taxation by state, that does not have a single reference to me or the vehicle I leased. 

I shared this evidence with XXXX, XXXX and Experian. XXXX and XXXX immediately deleted the account. Experian failed to do so despite trying twice. I have no confidence in Experian 's ability to objectively review evidence and reach the right conclusion.
Product: Debt collection

I sent LVNV a certified letter on XX/XX/2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XX/XX/2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding incorrect information on my credit report due to identity theft. I became aware that my personal information, including my Social Security number and driver 's license number, was compromised and used to open fraudulent accounts without my knowledge or consent. The fraudulent activity has significantly impacted my credit report, and I request your assistance in rectifying the incorrect entries.
Product: Credit reporting

I am filing this complaint against Equifax ; because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, Equifax is required to " ... promptly delete all information which can not be verified '' that I disputed. Please resolve this manner as soon as possible. Thank you for your help.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

There are 5 accounts on my credit report that are not mine I have not applied signed or used these accounts they are showing up on all three of my bureaus I have disputed these since XX/XX/XXXX but I have not heard anything back or seen a dispute opened I need these off my credit report asap!!! 


Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX/XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This inquire is a duplicate, please delete it leaving only 1 ( XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I recently did an investigation on my credit report, which is causing damage to my credit score.Which is causing severe XXXX upon me. I have found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct and needs to be removed immediately. Under 15 U.S.

Code 1681e ( b ) ( b ) Accuracy of reportWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. I really appreciate your help with this situation and hope to be resolved as soon as possible.

1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Debt collection

The account opened in my name with capital one is fraudulent I have never opened a account with capital one ever! I have a lawyer working with me to fix this issue I also have a identity theft affidavit. Capital one said that a address was linked to me but thats not true either!! I have NEVER lived at that address I can send in new and old forms of identification to prove it! I have always said and have police reports stating that a family member is the person who stole my identity, while the address they are speaking of may be a familys I have never lived there, received anything there including mail etc I am not associated with that address whatsoever and I will never stop disputing this account because its fraudulent. Like I said my lawyer is looking into this and we will get this fixed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letter on XX/XX/21 regarding inaccurate information/accounts on credit report. 
Sent 30 day demand to comply on XX/XX/21. Have not received any response from XXXX Equifax or XXXX
Product: Credit card or prepaid card

Synchrony Bank replaced my Amazon secured account with a store card on XX/XX/XXXX hours after I replenished my {$150.00} deposit. My access to that deposit was immediately restricted because the agreement was my deposit was to be refunded. When I first spoke to Customer service about my refund, I was assured a paper check was sent out on XX/XX/XXXX and should arrive within 15 days of that date. The check did not arrive. I called again on XX/XX/XXXX and spoke to XXXX as well as her supervisor requesting an electronic transfer. All of my payments had been made electronically. I was advised that this bank had no capacity to make an electronic transfer to me. After holding for more than 30 minutes for a manager I gave up. On a subsequent call connected via Amazon Customer Service, I was advised another paper check had been issued on XX/XX/XXXX and should arrive by XXXX. It has not.
Product: Vehicle loan or lease

XXXX XXXX I was approved for an auto loan from Capital One Auto Finance for XXXX  XXXX XXXX account number # XXXX original amount was about XXXX give or take and the end amount is XXXX. The account ended up going into collections and resulted in a charged off status. I've disputed the charged off with XXXX and it was removed, XXXX initially removed it and then placed it back on my credit report. And I've contacted XXXX about the inaccuracies through letters and have not received any letters back except the returned receipt which I sent a certified mail for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken XXXX to court on a civil claim i have written them countless letters i was involved in the data breach where my information was taken i was also involved in the data breach with XXXX XXXX i need a resolution the have my credit fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached disputes that was mailed out to Lexis Nexis on XX/XX/2021 and on XX/XX/2021. Please review and respond to my attached disputes immediately. 

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

In accordance with the fair credit Reporting act Credit Acceptance Corp # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card or prepaid card

CFPB, you are allowing this bank to operate with impunity. This is illegal what they are doing! They are the reason why that consumer credit profiles are in the tank. Again, Barclay 's Bank seriously reduces my credit limit on my other card with them. Literally they took my credit limit from {$8900.00} to {$4400.00}. Which was basically what I owed. How can they be allowed to do this? This ruins my debt-to-income ratio and causes my XXXX XXXX to go down. PLEASE DO SOMETHING! FINE THEM! PULL THEIR LICENSE! THEY ARE A HORRIBLE BANK!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX got me XXXX month late and I was in the hospital and I wasnt able to pay that month I have asked them to work with me but they chose to not work with me! I have asked them to remove the XXXX late off my account because of me being in the hospital I havent since been late on my account so thats why I am disputing it and looking for help on this thank you?
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I am unable to get my XXXX credit report. This has been a persistent problem. 
2. My XXXX credit report shows a drop in my credit score of XXXX XXXX even though there has been no negative reporting on my report. 
3. My XXXX account shows no update to my XXXX and Transunion credit scores since XX/XX/XXXX. 
4. My XXXX account shows no update to my XXXX credit score since XX/XX/XXXX.
Product: Debt collection

Merchants Credit Guide {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2020 I shouldve never received this bill this is a Medicare issue has nothing to do with me merchants Credit guide has talked to my insurance company as well as me and told me they would remove it last year now they are fraudulent reporting this.
Product: Checking or savings account

My payroll check was not credited to my checking account. I got paid on the XXXX of XXXX and my payroll check was acccepted by capital one but it is still not credited to my account, and its now Friday the XXXX.Capital one did nothing to let me know there was an issue on their part with processing from a third party, I had to call them and be on hold for over an hour to ask where my missing funds are. I have bills that were scheduled to be paid that were canceled by capital one since the funds were not in my account to pay them ( This is their fault ) Its a horrible feeling not knowing if or when your paycheck will be credited to your account. Capital one is now giving all of us affected the run around not telling us when we will get our own money
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : Reporting : XXXX XXXX Acct A balance of {$1300.00} when the balance was Charged Off as of XX/XX/2016. The Balance should be 0 ( Zero ). This is a blatant violation. 

They are also reporting that there have been XXXX more charge off dates of XX/XX/XXXX and XX/XX/XXXX, since the account was closed back in XX/XX/2016 and is negatively impacting my credit score, making it appear that this is new information. The Charge off dates Reported seem to correspond with the dates that I sent in Disputes. This is totally inaccurate and misleading as well as re-aging the account inaccurately. 

I have also requested an Original Signature showing that I have a legally binding contractual obligation to XXXX XXXX. Which I have never received. 

Invalid Account # Listed I have disputed it in XX/XX/XXXX and again in XX/XX/XXXX and all they do is update the reported date and never fix the inaccurate and misleading information and causing my credit to look as if it's a brand new issue. The XXXX account was closed back in XX/XX/XXXX and not sure why XXXX is not reporting it correctly and they are refusing to send me any reason why. All of these items are a Violation to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has mishandled my funds. They have entered over 300 entries to my account instead of just 12. The resulting errors which are obvious by the amortization schedule. As a result, XXXX has falsely reported information to the various credit agencies. It does not reflect my exceptional payment record, reports delinquent amounts and overstates my balance. XXXX refuses to accept the amortization schedule and yet will not provide me anything, other than 30 pages of false entries made to my account. They have manipulated a simple entry.