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 u.s.c 1681. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # 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 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c ( a ) ( s ) 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 then records of the convictions of crimes which antedates the report by more then 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 it 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'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. 
here are the accounts that need verification : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Debt collection

I paid off this bill over seven years a go and still shoews on my credit. please remove from my file as soon as possible.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are still displaying inaccurate information on my credit report. Specifically, one account that was previously removed by another credit consulting bureau is still being reported by XXXX and Equifax. Furthermore, despite filing complaints with both agencies, they have failed to provide a satisfactory resolution and have instead chosen to close the cases after a mere XXXX period. This partial and bias approach to credit reporting raises concerns about the accuracy and reliability of the information maintained by these agencies.
Product: Debt collection

XXXX ( TrueAccord ) XXXX XXXX, 2024, XXXX XXXX XXXX XXXX XXXX Thank you for your email. We are TrueAccord, a third party collections agency. We're collecting on an outstanding balance of {$720.00}, originally owed to XXXX XXXX XXXX for a CREDIT CARD. This Balance Has Been Purchased by XXXX XXXX XXXX and came to our office on XX/XX/2024 I told them via email that i never had owned this credit card, nobody from XXXX ever contacted me, therefore i will not pay this debt. I called the number they provided during business hour ; nobody answered. 

this debt was never on my credit reports from all XXXX companies, i have a score of nearly XXXX on XXXX report,
Product: Debt collection

XX/XX/XXXX - text message informing me that my credit card bill was due from number XXXX. I inquired what the account was and what this was for and they asked if my card was lost or stolen, i stated i have never had one with XXXX  and they stated they would remove my number from their list. 

XX/XX/XXXX - text message from XXXX from XXXX  stating that my bill in the amount of {$46.00} is due on XX/XX/XXXX to follow the link provided XXXX XXXX XXXX  I texed them back and asked what this was for and they responded that that they will remove my phone number again. 

I searched up this phone number and the same company XXXX XXXX XXXX comes up and I have had several missed calls from this phone number that my robokiller had blocked. They stated that they are a debt collector also, and are going to file a law suit. For what? I have no clue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. 

Below is a summary of the data in which I am challenging : XXXX XXXXXXXX You must remove any name in your system which does not match the first and last names listed on this letter. My only name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed in several letters requesting verifiable proof of accounts, and to have information deleted from my credit report, the company did not respond. Also that under FCRA XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX15 US CODE 1681E ( b ) & 15 US CODE 1681i ( XXXX ) that they are required by law to verify through physical verification of the original signed consumer contract any and all accounts that they post on a credit report, to removal all non-account holdings inquires over XXXX days old, and to add promotional suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of the person knows or has reasonable cause to believe that the information is inaccurate. 
" Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Checking or savings account

I deposited {$51000.00} for XXXX XXXX and XXXX XXXX is the Co-Owner of XXXX said the money released.
Product: Checking or savings account

On XXXX XXXX a company called XX/XX/XXXXXXXX took {$2000.00} from my checking account. 
I contacted the Umpqua bank to tell them that I had not authorized this transaction. They then cancelled the card that was used and issued me a new one. Ran an investigation and said I had authorized a third party transaction. Which I had not. So we called the number and it went to a square reader. The invoice issued to the bank clearly is fraudulent. There is no phone number for the XX/XX/XXXXXXXX XXXX. When I looked up address it is a farm house in Pennsylvania. No where had I signed or authorized this transaction as I have presented proof that I was in XX/XX/XXXXstaying in a condo paid for by another party. Even the dates is while I was gone. So I would not have approved another transaction for a stay when I was already staying at a prepaid condo that I had nothing to do with. I was a guest. I have never recieve anything from anyone nor can I call to get them to refund my money. As it has been a dead end every time. Bank says it is out of their hands. This is crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake has been reporting late payments since XXXX and have not investigated the situation which is hurting my credit. I have contacted them due to this not being true facts and was told they will get back to me via mail! It has been 2 years and still no update or payment update on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, This list of accounts below has violated m t federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Auto Loan, Date open : XX/XX/XXXX this company has violated my rights. 
2. Account name : XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Credit Card, Date open : XX/XX/XXXX this company has violated my rights. 
3. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Credit Card, Date open : XX/XX/XXXX this company has violated my rights. 
4. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Auto Loan, Date open : XX/XX/XXXX this company has violated my rights. 
5. Account name : XXXX Funding, First 6 numbers to Account number is XXXX, Account Type : Auto Loan, Date open : XX/XX/XXXX this company has violated my rights. 
6. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Credit Card, Date open : XX/XX/XXXX this company has violated my rights. 
7. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Auto Loan, Date open : XX/XX/XXXX this company has violated my rights. 



15U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without written instructions. So therefore, I have not provided any written instructions to do so.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing ant 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 ant 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

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 a phone bill account with XXXX opened on XX/XX/year> thats now under the account XXXX XXXX XXXX for the amount of {$980.00}, the internet account at XXXX XXXX opened on XX/XX/year> that is now with XXXX. XXXX XXXX for the amount {$490.00}. Additionally, the hard inquiry from XXXX XXXX XXXX listed on my credit report need to be removed. Also the name XXXX XXXX on my credit report is need to be removed because it do not belong to me. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Equifaxs failure to respond to my request to correct inaccurate information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite having submitted a formal request for correction, I have yet to receive confirmation or action from Equifax to address these inaccuracies. 
I filed my formal dispute with Equifax on XX/XX/year>, providing documentation to verify my correct address and legal name. I requested the removal of any outdated or inaccurate information, as is my right under the FCRA. However, to date, I have not received any response, confirmation of receipt, or evidence of investigation or correction from Equifax.Details of the Requested Corrections : Address Correction : o My only valid address is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
o I requested the removal of incorrect addresses that do not reflect any current or past residence. 
XXXX. Name Correction : o My legal name should be listed as XXXX XXXX XXXX XXXX, and I requested the removal of any aliases or incorrect variations. 
Equifaxs lack of response directly impacts the accuracy of my report and, consequently, my credit history. I believe that this issue requires CFPB intervention to ensure that Equifax meets its obligations under the FCRA and that my report reflects only verified and accurate information.Action Requested from the CFPB : I respectfully request that the CFPB investigate this matter to ensure that Equifax adheres to FCRA standards for accuracy and timely response. I appreciate your attention to this issue and trust that measures will be taken to uphold consumer rights in my case and for the benefit of others. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Civil judgement was vacated. Case was dismissed without prejudice. Forwarded copy of the order from the court to transunion via fax on XXXX/XXXX/2015. On XXXX/XXXX/2015 their " investigation '' was closed and the item was " verified as accurate '' which is impossible, because it is incorrect. After spending several hours on the phone today being transferred and disconnected over and over again, it is clear that they have no intention of fixing this error. They claim to have never received my document and asked me to fax it again. When I asked them to verify receipt of the fax, they said that they could not. 

This is a never ending cycle of incompetence coupled with the inability to easily communicate with anyone due to the language barrier of the operators. I speak English. My initial call, I was transferred to a supervisor and disconnected. The second call I was transferred 3 times to XXXX different supervisors, then disconnected while being transferred to the XXXX. The XXXX call, I was disconnected by the first operator while he was attempting to transfer me. 

This is not a matter of he said/she said. It is indisputable fact that no one is arguing except for transunion. The court will confirm that the judgement was vacated and the case has been dismissed. The original plaintiff will confirm that the judgement has been vacated and the case has been dismissed. I have hard evidence proving that the judgement was vacated. Transunion just really wants to keep this on my report for no apparent reason. 

They categorically refuse to remove it.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  XXXX Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Each account has multiple open dates/ INACCURATE INFORMATION on my credit report.I request that these account ( s ) are removed immediately.
Product: Checking or savings account

I filed two complaints with the PNC Bank ( First dispute XX/XX/XXXX, XXXX XXXX XXXX ) and the second dispute ( XX/XX/2021 ). I had 25transactions with XXXX between XX/XX/2021 and XX/XX/2021 ( Ten cancellations and Fifteen went through ) which matched my account with XXXX. On the other hand, within that time-frame, PNC Bank made 43 transactions in my Checking account ( Ten cancellations and Thirty-three debited to my account ). I filed a dispute, but XXXX of the Executive/ Client relations was adamant and reluctant to reach out to XXXX and sort out thing. Rather, she wanted me to identify the disputed transactions which was totally impossible based on the posted dates and reference numbers. The second dispute was on XXXX for {$54.00}, after a transactions was not processed by XXXX. Then I filed a complaint with the XXXX  and FTC. The FTC told me that they addressed issues with corporations, not individuals. Then I received a call from XXXX XXXX PNC Bank Executive/ Client Relations, yet faced the same obstacle. Went to their local branches here in XXXX XXXX, MI, the same stumbling blocks. Finally, I reached out to the Michigan DA 's office, which promised to forward my case to the Comptroller of the Currency office i XXXX, TX. Haven't heard anything from them yet.
Product: Checking or savings account

For over 34 days, B of As frauds dept has linked my mobile banking app. I had been sacked some time ago but they need not do this every day. They will not verify my account, keep telling me to go into a bank. Ive done so 3 times, the last time walking XXXX miles in a XXXX XXXX 

I changed my phone number 30 days ago but B of A still has not corrected it. Ive never seen such poor customer service in my life. My number is NOW ( XXXX ) XXXX but they have something else. I went inside and the lady did not understand me. My atm card works fine but their XXXX mobile banking app doesnt. 

I need this fixed immediately. It wont let me change my password, just keeps looping to the same questions, last XXXX digits of my atm card and my social then I press continue and it does it again. I did it XXXX times once. Look at the transactions and youll see.
Product: Bank account or service

In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account for at least 2 consecutive months, and making at least {$1000.00} in total debit card purchases. 

After enrolling with the promotion code, I contacted Citi to confirm that they had my XXXX XXXX XXXX number ( XXXX ) and I also received confirmation that the XXXX bonus XXXX XXXX AAdvantage miles offer was successfully attached to my account. 

During XXXX of, 2016, I confirmed with Citi that I had successfully fulfilled all of the terms of the offer and to expect my bonus miles on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

Citi is now stating that they require the original bonus insert, which would have been sent out 6-8 months ago. It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, since Citi customer service confirmed to me that I was enrolled in the offer Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Product: Money transfer, virtual currency, or money service

On, XX/XX/2021, money was sent by wire transfer from XXXX XXXX  to BBVA Bank ( which is now PNC ) to pay off my loan in the amount of XXXX. PNC has had the funds since that day, however repeatedly said that they did not receive it. On XX/XX/2021, it was found that PNC did accept the funds Case # XXXX on XX/XX/XXXX and the money is still sitting in a GL account and has not been applied to my loan that has grown with interest since XX/XX/2021. PNC Bank is holding my money. I have asked repeatedly to either return the wire so that a check can be issued and I will hand deliver it to them or it can be over nighted or apply the funds to pay off my loan. Neither has happened to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery was noticed of a dispute on XX/XX/2021. The company agreed on a recorded line to pay for deletion. As of today XX/XX/2021, still has not removed this account fro. My credit file on all three major bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions