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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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, credit repair services, or other personal consumer reports

2 DISPUTE LETTERS WERE SENT VIA CERTIFIED LETTERS TO THE AGENCY AND WERE DELIVERED ON XX/XX/21 AND XX/XX/21. THE AGENCY HAD 30 DAYS FROM THE RECEIPT OF THE LETTERS TO NOTATE THE ACCOUNTS AS QUESTION AS DISPUTED BY CONSUMER AS PER THE FCRA GUIDELINES. THE AGENCY FAILED TO MARK THE ACCOUNTS AS DISPUTED BY CONSUMER.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020 XXXX add a derogatory mark on my credit report pre XXXX XXXX, XXXX  and XXXX XXXX. Upon further research, this account was transferred and I am not responsible for the account. Debtor 's creditor did not verify this account. Also, there was no written from of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FAIR CREDIT REPORTING ACT ARS has violated my rights as a consumer and I am requesting legal action to remove this account immediately. Thank you
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on the AMEX XXXXXXXX account despite the previous appeals sent to XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or AMEXs customer service representative.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their failure to comply with my repeated requests to remove fraudulent accounts from my credit report, which do not belong to me. According to 15 U.S. Code 1681c2 ( FCRA 605B ), consumer reporting agencies are mandated to block information in a consumer 's file identified as identity theft upon the consumer 's request. 
I am a victim of identity theft and have made multiple attempts to rectify this situation with Experian. Despite providing all necessary documentation and information, Experian has persistently refused to delete the following fraudulent accounts from my credit report : XXXXXXXX XXXX XXXXAccount Number : XXXX : XX/XX/XXXX, XXXX : {$2600.00} XXXX. XXXX XXXX XXXX XXXX : XXXX : XX/XX/XXXX, XXXX : {$36000.00} XXXX. XXXX XXXX XXXX XXXX Number : XXXX : XX/XX/XXXX, XXXX : {$91000.00} XXXX. XXXX XXXX XXXX XXXX Number : XXXX : XX/XX/XXXX, XXXX : {$59000.00} XXXX. XXXX XXXX XXXX XXXX : XXXX : XX/XX/XXXX, XXXX : {$5300.00} XXXX. XXXX XXXX XXXX XXXXXXXX Number : XXXX : XX/XX/XXXX, XXXX : {$78000.00} XXXX. XXXX  XXXXAccount Number : XXXX : XX/XX/XXXX, XXXX : {$2100.00} XXXX. XXXX XXXXAccount Number : XXXX : XX/XX/XXXX, XXXX : {$2100.00} XXXX. XXXX XXXX XXXX XXXX : XXXX : XX/XX/XXXX, XXXX : {$2000.00} XXXX. XXXX XXXX XXXX Number : XXXX : XX/XX/XXXX, XXXX : {$1400.00} I have attached copies of the documentation previously submitted to Experian, including proof of identity, police reports both from local and federal agencys. Despite my efforts, Experian has continued to stall and send generic responses that do not address the fraudulent nature of these accounts. 
I kindly request that the Consumer Financial Protection Bureau intervene in this matter and compel Experian to immediately remove and block these fraudulent accounts from my credit report as required by law. I also request that Experian be investigated for their failure to adhere to federal regulations meant to protect consumers like myself from the damaging effects of identity theft. 
Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and XX/XX/2020 I was late due to COVID. I was laid off and had no income. I have since cleared this up and paid the balance off. Can they extend a curiosity and please remove the two 30  days late to current? 
Thank You XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft
Product: Credit reporting or other personal consumer reports

I called each of these credit agencies ( XXXX, Experian, XXXX XXXX and XXXX ) to get old addresses removed from my credit reports. Each of these agencies reported they are unwilling to remove my old addresses. My current address for the last four years is XXXX XXXX XXXX XXXX, XXXX, MO, 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 Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States | have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$8800.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate a dispute I submitted regarding inaccurate information on my credit report. Despite submitting my disputes, Experian did not correct the errors, which continues to harm my XXXX score. 
I have multiple disputes. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to removed, nor correct any information. I'm requesting this derogatory remarks to be removed and corrected immediately as it's affecting my chances of getting a house. Experian violated my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX. XXXX XXXX. 
Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Yo CFPB, I'm real upset with how Equifax, XXXX, and XXXX are treating my credit report. I've tried to fix the errors, but they keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

I've sent letters using simple software, but they ain't responding. This is straight-up illegal and wrong. No Power of Attorney is needed for this.

Under FCRA Section 611 ( 15 U.S.C. 1681i ) and Metro 2 reporting standards, I got the right to dispute any false info on my credit report. The claims of delinquency against me are bogus and don't meet federal or state standards. 

I want proof that there was a legit reason for the inquiries or accounts on my report. If they can't show that, it's a fail on their part. 

The Equifax data breach messed me up with a bunch of fraudulent stuff on my report. I never agreed to share my private info, making this reporting unfair and not right according to 15 U.S.C. 1681 Section 602A.

Here 's where they messed up : 15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : Can't furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Can't knowingly furnish inaccurate info Y'all got 30 days to fix this. I want proof of what you did and an updated copy of my credit report. The false claims need to go, ASAP. 

Check out the attached letter for more details. Thanks for handling this quick.
Product: Credit reporting or other personal consumer reports

I filed a complaint because incorrect information, including incorrect names and addresses, was appearing on my credit report. 
My birthdate is XX/XX/XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. My legal name is XXXX XXXX XXXX. My phone numbers are XXXX and XXXX. I have been residing at my address for the past 18 months. XXXX XXXX XXXX, XXXX XXXX, TX XXXX is where I used to live.
Product: Debt collection

I am writing to inform you all that this is not my debt. I am a victim of fraud against my XXXX XXXX I have lived where I am now for more than a XXXX  and can provide proof however based upon this debt collector they told me I tried getting a application for an apartment in XXXX XXXX  for {$270.00} XXXXs I have never lived nor visited XXXXXXXX XXXX in my entire life. This company is causing, me XXXX  and nearly had a XXXX XXXX the way the representative spoke with me on the phone when I tried advising her I did not accumulate this debt. Unless there is a statement that show my name, address, email ( XXXX ) and signature " handwritten '' not electronically as anyone can sign a name via web this must be deleted or my next step is a higher authority. 

Company name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XXXX 2016. I  REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST XXXX OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH NAVIENT. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH TRANSUNION AS WELL AS XXXX. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX CARD INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM TRANSUNION AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED TRANSUNION, ATTEMPTED TO CONTACTED XXXX AND XXXX ( HAD THE ISSUE PARTIALLY RESOLVED )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dealing with a XXXX XXXX and I am not able to get thu on the phone recording because it is automatic and it keeps saying the same thing over and over so I can not get a report, or know if I am doing this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Bureaus. Lets correct this immediately. This Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with sufficient balances initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

In XXXX of 2022, a collection was sent to Caine and Weiner for an amount that was owed to XXXX XXXX XXXX. The debt was paid directly to XXXX via credit card. The debt is no longer owed and this debt collector should not be reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries are is on my credit report and most of them I didnt authorize. Also many of the companies listed I have no desire to do business with them.
Product: Credit reporting or other personal consumer reports

Nothing everything is the same I don't think they really looked into it
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

About XXXX months ago, I responded to a message from XXXX XXXX XXXX to receive credit reports weekly, for free for XXXX months. I have not received anything, not even confirmation. 

Im feeling like Ive been taken and wish to correct this and limit any risk or exposure. With no response from the company, I think I need your help.
Product: Credit reporting

I have a chapter XXXX bankruptcy listed on my credit reports with all three credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all three credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.
Product: Credit reporting

I noticed that on my credit report there were accounts reading as " in-dispute ''. While I did ask for more information I never said I disputed the information they sent.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024, I have sent several written requests that have all inaccurate information removed from my credit report. Not now nor ever have I granted permission to have my report shared with anyone.
Product: Prepaid card

Rush cards terms & conditions state that " # XXXX the combined total of combined transaction fees is limited to {$10.00} per calendar month '' I have been charged way more than {$10.00} in combined charges in a month. Also, they have broken their own policy rules that no ACH payments to bills ect can be executed. They have allowed ACH payments to process without my authorization or knowledge. 

Also, when I activated my card, I supplied a promo code that would credit my account an instant {$20.00}. I have not yet received that and keep getting denied when I call to request that be processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I checked my credit report from you and the account you stated deleted is still on my report enclosed are your response and my credit report still showing account .Please remove the account from my credit report thank you
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.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( 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. 

DELETE THE ACCOUNST BELOW
Product: Credit card or prepaid card

Bank of America is charging me 24 percent interest on my credit card. I have called them twice to get this interest reduced. I pay {$400.00} per month on the card, the interest is {$240.00} a month, and i only make {$100.00} a month in purchases. Bank of America refuses to increase my creidit limit, saying that I have been pushed up against it - - but the truth is that Bank of America has pushed me up against the credit limit. THere is no reason that this company should be charging me an exorbitant interest rate that I could obtain from any predatory payday lender down the street in the strip mall that advertises on tv at XXXX in the morning. This interest rate needs to be reduced by more than half. I had good credit for years and years - I recently experienced a bout of unemployment after 30 years of an outstanding credit rating, and Bank of America is making it difficult for me to address this credit card.
Product: Checking or savings account

Im on a fixed income and if is not enough funds in my account I would prefer that is not paid because the fees that Wells Fargo charge are very high, so they go ahead and pay it and charge XXXX per so if there are two or more, this puts me in a real bad position forward because I dont ever catch up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX replied back on Complaint # XXXX and stated " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 
Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. '' Attached is XXXX 's reply on complaint # XXXX. Complaint # XXXX is not the same issue as stated " Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for XXXX ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. ''
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"