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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

I looked at my Experian credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-2 they are suppose to 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

I reported an account that was not mine or that I had no knowledge of to both Experian and XXXX. I submitted the information to them regarding my dispute with the collection agency which clearly shows that the collection agency fraudulently changed loan documents to reflect that the account was mine when in fact it was not mine. The original collection letters in attempt to collect for the alleged loan were sent to a residence I have not lived in since 2015. It was only after I had contacted the collection agency that they started sending collection attempts to my current residence and when asked to produce proof that the alleged debt was mine, they submitted to me a loan document reflecting my current address.
Product: Checking or savings account

Navy federal has taken overdraft fees from me numerous of times after making me believe i still had money on my account. These instances happened from XX/XX/XXXX through XX/XX/XXXX. No actions were made by the bank to return my money
Product: Checking or savings account

I apparently have an account under Bank of America that I know I didn't open myself. I was trying to open an account with a local bank of mine and they denied me for being in the XXXX  due to this account. This account is completely fraudulent and needs to be shutdown.
Product: Mortgage

For several months, Carrington Mortgage has been harassing me. They are calling me threatening me with putting my house in foreclosure. Telling that they are not going to pay the property tax. Claiming that I have been missing payments. Also, they are sending false information to the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after various formal certified mail disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false debt. 

XXXX XXXX XXXX Amount : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount : {$400.00} Date opened : XX/XX/XXXX
Product: Debt collection

I made an additional CFPB complaint # XXXX on XX/XX/XXXXagainst Creditors Bureau Associates and Creditors Bureau Associates responded to my compliant onXX/XX/XXXX and  here is there response Company 's response Creditors Bureau Associates denies all of the allegations that you've raised in this complaint, however, due to third party disclosure prohibitions from the FDCPA and our obligation as a medical collection agency to follow HIPPA laws, we have decided to close your account and return it to the original creditor. Should you have further questions or concerns, please contact their office directly. 


Creditors Bureau Associate partial responded to my request from my previous CFPB compliant to close the account but did not address my other request to remove and delete the negative information from all three of my credit reports. Creditors Bureau Associates has failed to verify the information I requested and that is a complete violation of the FCRA section 609 and the FDPA. I need Creditors Bureau Associates to remove the negative credit item from all three of my credit reports immediately
Product: Credit reporting or other personal consumer reports

On day XXXX, i made a complaint through CFPB, case number " XXXX '' regarding innacurate and not correct information on my credit report, i received the answer from EXPERIAN and they did not do anything to solve the problem, accounts # XXXX, # XXXX and # XXXX are still in my credit report and affecting my personal record. 

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) 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 reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigate and lying on an offical document saying they did something they did not do and I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and the following accounts and inquiries were not authorized by me.

Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$540.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$69.00} Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

I was notified by a family friend that this person called him and said that it was important that I get in touch with them. When I called it was Dynamic Recovery Solutions and I have NEVER received any call letter or any direct communication from this company regarding a debt that supposedly owe to them. I think they are using embarrassing tactics to get people to call them by calling friends and family members, really? this is invasion of privacy. In, addition to the fact that they have not sent me any communication notifying of my rights regarding this supposed debt that I know nothing about.
Product: Debt collection

New York and Company Comeity Bank stating I owe this debit. I have filed report after report that this is not mine and I know around the tine when the account was opened my identity was stolen. I had my wallet stolen and drivers license and ss card was all in my wallet. I had a car bought during that time and now a account opened. I am not sure what else to do.
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX ADVANCED COLLECTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 

. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taxes impounded on my mortgage which makes my monthly payment XXXX higher than my principal & interest payment. 

By law or regulation what is supposed to be reported to the credit bureaus? P & I or P & I & impound? 

I understood it to be the LOAN payment ( P & I ) that should be reported. 

Experian ad XXXX confirmed on the phone that it's " up to the lender '' to report what they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax " security incident '' resulted in their offer to provide their TrustedID Premier security monitoring service for one year at no charge. 
When I attempted to take advantage of their offer to safeguard my information that THEY put at risk, they required even MORE confidential information as a requirement to enroll. Not only did they require my personal email address and social security number, but they also wanted my personal cell phone number. 

I called their support line ( XXXX ) seeking assistance in waiving the phone number requirement. I phrased it as a general question, but " XXXX '' ( sic ) wanted my email address and full SSN! " This call is being recorded, so it is safe. ", she said. Are you kidding me? Obviously, no information is safe with them. I am surely not going to give that kind of information over the phone to a call center employee! 

Equifax is making things worse by requiring even more personal information. Is there any thing that you are doing to make it easier for victims of the incident to enroll? 

Just curious : Is there any way to force Equifax to purge their files of all of my personal information?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # XXXX EXPERIAN-XXXX XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions.

*open dates are all conflicting *Experian is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 
Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed a few items on my report that I didnt authorize XXXX keeps reporting late when its an unauthorized account I do not recognize
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting, An agency can not furnish an account without my written instructions. Under 15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 2 XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus.

I found 2 different XXXX XXXX accounts with the same account numbers. 

Different account balances across the 3 credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and the 3 credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is not.
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 15USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 15 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 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: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

To whom this may concern : I am writing to address a matter of significant concern regarding the information held by your agency, [ Experian/XXXX ] , pertaining to my consumer report. 

I am XXXX XXXX XXXX and I am troubled by the negative private information shared without my explicit consent, which has adversely affected my financial standing and mental well-being. I have never entered into a clear and conspicuous contractual agreement with [ Experian/EXXXX ] XXXX granting permission for the dissemination of such personal data.

As a business owner myself, I understand the gravity of handling private information responsibly. If I were to unjustly share adverse information regarding individuals without their explicit consent, I would rightfully face legal consequences. 

The negative entries on my consumer report, which have been shared with multiple companies, are unfairly hindering my ability to progress in life. Even if these negative accounts hold some truth, they are entirely unrelated to any contractual obligations or transactions involving [ Experian/XXXX ] XXXX 
Which are all companys who have ASSUMED a vital role. 
Credit score is never defined in the federal law because it is the elaborate mechanism of these companys. 

I kindly request a thorough investigation into the origin and legality of sharing these specific negative entries on my report. Proof that I signed a clear and conspicuous contract, a copy of the Contract binding both parties. 

They also have a grave responsibility and obligation to respect my privacy. 

I appreciate your immediate attention to this matter and request a timely response regarding the steps taken to address these concerns. 

Thank you for your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

1. Remove possible finance accounts which are unfairly affecting my life in a significant way. I can not get a new truck for our business or a credit card to fix the truck which has left me in a situation where I feel hopeless. This is not FAIR to me and it must be fair to me as the consumer I need to provide for my family with credit and a new vehicle to continue our business we have built over 3 years. Again consumer reporting agencys have ASSUMED a vital role no one gave them. 

For the damages that have been done over the past years I will be seeking {$5000.00} in criminal liability damages for not respecting my privacy and sharing information without any written instructions from me. 

15 U.S. Code 1611 - Criminal liability for willful and knowing violation I will be seeking {$1000.00} in civil liability 15 U.S. Code 1681n - Civil liability for willful noncompliance Send payment to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Wa Within 15 days of receiving this notice.