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

I am writing to formally file a complaint over the handling of an account that you placed on my credit profile. Bank of America is in direct violation of **15 U.S.C. 1681s-2 ( a ) ( 3 ) **, as you failed to comply with federal law by not marking the account as disputed when I challenged its accuracy. Furnishers of information are required by the Fair Credit Reporting Act ( FCRA ) to report disputes to the credit reporting agencies, and your failure to do so is a clear violation of this obligation.

Additionally, your actions also constitute a violation of **15 U.S.C. 1681s-1**, as you should have known that failing to follow the FCRAs guidelines would lead to the reporting of incomplete and inaccurate information. This not only makes the account in question inaccurate but also causes harm to my credit profile. 

I request that you immediately : XXXX. **Correct the inaccurate information** by deleting this account off my credit report.. 
XXXX. **Notify all credit reporting agencies** of the removal of this account. 
XXXX. **Provide written confirmation** that the account has been updated in compliance with my demand. 
XXXX.monetary compensation of a {$1000.00} to which I am entitled to under 15 USC 1681n ( Civil Liability For Willful Noncompliance ). 

If you fail to take corrective action, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) again and pursue any legal remedies available to me under the FCRA.
Product: Credit reporting or other personal consumer reports

I noticed this problem on XXXX XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Account opened XX/XX/XXXX Balance {$1100.00} Hard Inquiries XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry date XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  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 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am trustee on a home my mother owned. There were several XXXX dues levied on a monthly basis. XXXX XXXX contracts with First Service Residential for billing. I was not receiving bills in a timely manner. At the time of my mother 's death, the XXXX dues were due for about three months. I paid in full, and the XXXX cashed the check. Not two days later, I received a collection notice showing that over an entire year 's worth of dues were owed. I provided a written notice within 30 days disputing the debt stating it was paid and providing records. I asked Red Rock Financial Services ( the collection agency ) to verify the debt. I received no such records. I am now in the middle of selling the home. At signing, I was presented with a settlement statement from the title company stating that the XXXX dues are in collection status and that the amount still owed is significantly higher than the yearly amount. I still have received no justification for this amount and from where it has arisen given that the fees were paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX, I revoked ACH and Debit Card Authorization for Payment on my Flex Shopper Account. On XX/XX/XXXX, I received notification from Flex Shopper stating I would have to call them regarding that matter- which I did. On XX/XX/XXXX, I received a Text from Flex Shopper stating they attempted to receive payment from my Checking Account unsuccessfully. I emailed them again, stating I had revoke authorization so an attempt to collect payment from that account shouldn't have been attempted. On, Flex Shopper took payments totaling {$12.00} from my other Check Account ( which I revoked ACH and Debit Card Authorization as well ). I contacted them on XX/XX/XXXX, confirming that I had revoked ACH and Debit Card Authorization. On XX/XX/XXXX, I received an email stating I would have to call a Representative again- which I did. Lease states that XXXX XXXX has to be done via writing which is why I submitted the emails. All future payments ceased until XX/XX/XXXX. On XX/XX/XXXX, 4 payments totaling {$51.00}. I contacted Flex Shopper via email and phone regarding the transactions since I had revoked authorization. They stated that they would put a ticket in to investigate and stop any additional charges. On XX/XX/XXXX, another payment of {$10.00} was removed from my Account that I had revoked authorization. I called and emailed Flex Shopper once again, to stop any additional payments to be removed and to get the unauthorized amount ( totaling {$62.00} ) be credited back to my account to avoid potential overdrafts. Representative said the payment came outXX/XX/XXXXXX/XX/XXXX because I just submitted the revocation XX/XX/XXXX and I had to give 3 Day Prior Notice. Informed, once again, that I submitted revocation on authorization on XX/XX/XXXX and if I had no prior knowledge of the payment coming out on XX/XX/XXXX or XX/XX/XXXX how could I notify Flex Shopper 3 Days in Advance. I have a meeting with my Bank this afternoon to dispute the charges on my end. When communicating with Flex Shopper, they kept talking in circles. The lease agreement says the XXXX XXXX has to be done via writing but when that is done they request a call and when you call they say the Revocation wasn't submitted in writing. Plus, they're trying to say I revoke authorization on XX/XX/XXXX when I revoked on XX/XX/XXXX. Furthermore, when I asked to speak to a lead supervisor, I was told there wasn't one available but they would send a ticket in which could take several days ( specific dates changed based on who I spoke to from 3 - 10 Days ) and was unwilling to resolve the issue and acknowledge the revocation. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with XXXX and was unable to get XXXXXXXX XXXX  # XXXX removed from my credit report 1.This account was included in my bankruptcy 2.The account was paid in full before I filled bankruptcy I would like to have this account Removed Or be paid {$1000.00} for having my right to privacy violated because I did not give consent to have my information shared
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I have noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however that information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find an attached copy of my ID, The FTC Complaint, and a copy of the XXXX report showing my information being exposed in a national database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently saw ( 3 ) three inquiries on my XXXX XXXX XXXX reports all from CHASE CARD exactly ( 2 ) two months apart supposedly in 2017. I was puzzled as I had not requested any applications via chase nor do I own any chase credit card, or affiliate. I have not owned a credit card in almost 6 years. 
Dates : XX/XX/2017 XX/XX/2017 XX/XX/2017 I found out shortly that during the inquiries, chase bank had been hacked in early 2017 and reported it to consumers later that year. 

I called chase early around XXXX of this year The fraud department informed me that the inquiries were done by me on XXXX, etc. There is no documentation with my signature of application for any of these. 

I did not initiate inquiries from chase. Chase has no legitimate business with me nor do I with Chase. I have never had a product from Chase and/or an  account. 

I truly believe that my information was exposed from Chase 's breech and every 2 months someone was attempting to open a line before they stopped after the third time. 

Chase would not remove these bogus and stolen inquiries. I would like Chase bank with whom I have no business with to remove these ( 3 ) three inquiries from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal informations that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal informations not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX
Product: Consumer Loan

I borrowed {$2700.00} on a title loan from Wilshire Consumer Credit XX/XX/XXXX, and added an additional {$500.00} XX/XX/XXXX for a total of {$3200.00}. I 've been making {$200.00} payments throughout. I 'm approaching {$6000.00} now and my balance is still over {$3000.00}. I 've recently learned that Wilshire was found guilty of unfair and illegal loan practices. I knew something was wrong with their practices but thought I was just stuck. I would very much appreciate your help in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am new to united states and last year in XX/XX/XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with XXXX & XXXX ( XXXX & XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( XXXX / Equifax & XXXX ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX & XXXX XXXX so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called XXXX / XXXX & Equifax and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with XXXX as Equifax & XXXX always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed XXXX institution as a XXXX XXXX and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am the living human being. I have rights under 15 USC-1681. 

XXXX is govern by 15 USC-1681, and they violated my rights numerous times. 

I demand these accounts listed be removed : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX According to 15 USC-1681 I have the right to privacy and I did not give XXXX permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2021 Balance : {$150.00}. 

According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void. The student loan database was breached by a person not elected to government without my consent.
Product: Credit reporting or other personal consumer reports

UNKNOWN INQUIRIY FROM XXXX XXXX XXXX. ON XX/XX/XXXX UNKNOWN INQUIRIY FROM XXXX XXXX XXXX ON XX/XX/XXXX I NEVER APPLIED FOR CREDIT WITH THESE COMPANIES LAST 4 OF SS XXXX
Product: Credit card

I have had a credit card with Bank of America for many years. Just recently they sent me a XXXX form and a XXXX form to fill out and mail back to them saying that they need to update my information. No other credit card company has sent such forms. B of A already has my Social Security number which they got when they granted me a credit card ( years ago. ) So what is this all about? I am asking CFPB to live up to its name and protect me from corporate over reach in data mining, etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX **Date** XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Formal Dispute of Incorrect Transaction Demand for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of a transaction reported on my credit file. This reporting violates my rights under **15 U.S.C. 1681i ( 7 ) **, concerning what the procedure was that they used to validate the information. 

The transaction in question is as follows : - **Creditor Name : ** XXXX XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX Under this statute, consumer reporting agencies are restricted in how they may use and disclose consumer information. If a transaction is not associated with a permissible purpose or is otherwise unverifiable, it must be promptly excluded from my file. 

Additionally, the precedent established in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), supports my demand. In this case, the court emphasized the importance of strict adherence to the permissible purposes outlined in the FCRA. Any deviation from these requirements constitutes a violation of federal law. 

Accordingly, I demand the immediate removal of the disputed transaction unless XXXX can provide documented evidence of its accuracy and a permissible purpose for its inclusion. Failure to comply will result in further legal action to protect my rights under the FCRA. 

Please respond in writing within the statutory time frame. I expect either confirmation of the deletion or a detailed explanation of the evidence and permissible purpose relied upon. 

Thank you for your immediate attention to this matter. 

Sincerely, 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  XXXX  : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2023, I was scammed at a XXXX XXXX. The aggressor took my phone from my hands and sent herself {$1500.00}. The agreed amount was {$100.00}. She took advantage of me and intimidated me to trick me into sending her money. 

That night I made the claim with Wells Fargo and soon after made one with the police. Wells Fargo almost a month later closed my claim. They said they do not accept police reports as support for their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act violation. 
The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions..