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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681C ( a ) ( 5 ) states, '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account has adverse items they are reporting again without my permission, which is against the law and harms me financially. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states, " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Remove all circled items on this account immediately.
Product: Credit reporting or other personal consumer reports

Dear Bankers Healthcare Group, XX/XX/2024, you received via certified mail my FCRA 609e request for all information relating to Bankers Healthcare Group illegal access to my XXXX and XXXX information on the false pretense that I had submitted multiple account applications.

Considering the FCRA requires you to comply with my request within 30 days I hope this was simple oversight on your behalf as delivery of my request is 10 days overdue.

Please note, willful noncompliance of FCRA 609e has resulted on civil fines by the Division of Privacy and Identity Protection of the FTC. 
Furthermore, willful noncompliance of the Safeguards and Pretexting protection rules of the GLBA can result in fines up to {$100000.00} per violation for financial institutions such as yours. Also, imprisonment for up to five years is a possibility.

Considering the number of times BHG illegally accessed my XXXX and XXXX files, you are easily over the potential {>= $1,000,000} level. 
Ask yourself, is it in your best interests, and those of your shareholders, employees, and customers to put BHG in a position of criminal liability by conspiring with the individuals that committed these acts? 
I look forward to your response.
Product: Checking or savings account

Citi bank close my account and now I am broke I cant pay my rent, my car, car insurance, cellphone bill and everything they closed my XXXX dollars for no reason now I am broke I want my money I can pay my rent before I got evicted please
Product: Credit reporting or other personal consumer reports

As a consumer, I am deeply impacted by the provisions outlined in the Fair Credit Reporting Act, 15 U.S.C. 1681, including section 1666 ( b ). Section 1666 ( b ) addresses the reporting of delinquent amounts that are in dispute between a creditor and an obligor. According to this section, if a creditor receives a written notice from an obligor stating that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, the creditor is prohibited from reporting to any third party that the obligor 's amount is delinquent due to failure to pay the disputed amount under section 1666 ( a ) ( 2 ) of this title. However, the creditor may report the amount as in dispute if they notify the obligor of each party 's name and address to whom the creditor is reporting information about the delinquency. In light of the protections provided by the Fair Credit Reporting Act, I have several concerns regarding the handling of my personal information by consumer reporting agencies and financial institutions. Specifically, I never authorized XXXX, Experian, or any other financial institution to share my personal information with credit reporting agencies, which violates the provisions outlined in 15 USC 1681 section 604a section 2. Moreover, I was not informed of my right to opt-out of disclosing my nonpublic personal information, as required by 15 USC 6802 ( b ) ( c ). Furthermore, I am troubled by the negative information that has been reported about me without my consent, as stated in 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits consumer reporting agencies from including unfavorable material that predates the report by more than seven years. Additionally, it seems that XXXX and Experian are not implementing appropriate measures to safeguard consumer privacy and limit the dissemination of consumer reports, as required by 15 U.S. Code 1681e. Given these concerns and violations, I am declining your reporting services and, in accordance with 12 CFR 1016.7, I am exercising my right to opt-out at this moment. As a consumer, I believe it is essential to protect my rights under the Fair Credit Reporting Act and ensure the fair and accurate reporting of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via XXXX and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.
Product: Debt collection

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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. Has Violated my rights 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 a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2024. 

To whom it may concern, On day XX/XX/2024, I looked at my report. I sent a direct dispute to Transunion on day XX/XX/2024 asking them to investigate these account : XXXX XXXX # XXXX, since it has many errors and is not correct, On day XX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. 
I sent a registered letter to Transunion on day XX/XX/2024 asking them to reinvestigate these accounts : XXXX XXXX # XXXX, and here is my tracking number of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. 
On day XX/XX/2024 Transunion send me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and 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 ( 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 ( 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. 
Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit card or prepaid card

My mother had been banking with Wells Fargo for years, so naturally she encouraged me to get a bank account/savings with Wells Fargo, which I did. Shortly after I turned XXXX XXXX XXXX on XXXX XXXX, 2008 I went with my mom to the bank where they advised to get a credit card to build my credit. My mom, a first generation immigrant from XXXX with little to no knowledge in finances, was convinced by the banker that this was the right thing to do for my credit. Not long after I fell back on payments since I did not have a stable job at the time and I was making only the minimum payment. At a certain point the card maxed out due to fees and high rates. At that point, Wells Fargo instead of reaching out to me, the credit card department increased my card limit from {$500.00} to {$1100.00} as a solution when the card was maxed out due to fees not overspending. it created additional financial distress for me when the card should have been closed out or they just have tried to reach an agreement with me. I believe that my mother and I were unfairly targeted because of my youth and her financial inexperience. I tried to contact Wells Fargo numerous times to get a resolution to no avail.
Product: Credit reporting or other personal consumer reports

I submitted letters in XX/XX/year> and XX/XX/year> to request corrections in my name, mailable address and ex-employers. As of today, information still remains incorrect in my credit report files. 
My correct name is : XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX I wish to have my ex-employers removed And... I do not wish to include my current temporary employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Product: Credit card

The company keeps telling me they have been escalating the issues of a misapplied payment since XX/XX/XXXX and nothing has been resolved. I made the two {$80.00} payments on XX/XX/year> and I've attached screenshot proof which I faxed to them this as well. First, they said it would take 7 days to fix, then 14 days but still nothing has been accomplished on the XXXX I'll be reported to credit bureaus for nonpayment according to their incompetency record keeping. 
When I try to view my account information it says to call a XXXX XXXX  and the two credit card accounts show N/A for the Current balance, Min. Payment Due, and the Due Date.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I request that you investigate and remove these XXXX fraudulent inquiries from my credit reports immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide me with all relevant documentation related to these. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I didn't give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX permission to go into my credit reports so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of inquiries that needs to be removed : 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 or other personal consumer reports

Transunion is unlawfully reporting the following unauthorized inquiries listed below on my credit report and is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 

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 ( XXXX XXXX ) debt was paid with the original creditor before the creditor gave my information to this collection agency and they reported a collection with the credit bureus
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX has yet shown any competent evidence bearing any signatures that I do in fact have or ever had contractual obligation to PAY THEM! I do not owe XXXX XXXX XXXX any alleged debt and this is a violation of the Fair Credit Collection Practice Act FDCPA 807 [ 15 USC 1962e ] ; all credit reporting agencies delete entry! 

XXXX - consumer collection service alleged {$86.00} Experian- consumer collection service for alleged {$86.00} ; alleged {$820.00}XX/XX/XXXX- XXXX collection service for alleged {$86.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Your options were not exactly what happened. Let me explain and you do what you will. Credit Karma says that you can inquire about a loan without it affecting your score. That no inquiries will show until you are approved. That is not the case. They also send you to companies in other states, and when they transfer you to another state even though it's the same company, there's an addition inquiry on your report. One more item. Currently these loan companies are asking for your banking information. Not just any information, but theywant your login name and your password. That seems nefarious.
Product: Debt collection

Around XX/XX/XXXX, someone located at XXXX XXXX XXXX  XXXX XXXX, XXXX, IL got a XXXX XXXX account/service in my name ( XXXX XXXX ) fraudulently. 
In XX/XX/XXXX I received a notice from Credit Collections Services ( XXXX XXXX XXXX, XXXX, MA XXXX - file # : XXXX - phone # XXXX ) stating that I owed XXXX XXXX {$450.00} for electric services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent me a bill to my address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ). I never gave anyone permission to get this service in my name either. I have filed a XXXX police report & a IOG - Fraud Report concerning this incident. I sent/faxed these reports to the credit collect bureau along with my proof of address. They claim they don't have all of the information & requested my SSN & DL numbers, which I refuse to provide to them at this point. I am working with XXXX XXXX to squash this issue now. Credit Collections have put this on my XXXX  credit report ( XX/XX/XXXX ). XXXX XXXX # XXXX. I wasn't sure of the address at the time I filed the reports, but recently I received the address from CCS via a itemized XXXX  XXXX bill.
Product: Credit reporting or other personal consumer reports

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to one. I was robbed XXXX XXXX XXXX for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot anke to get a place to live, bank accounts or credit because of thus theft. please help me