23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) like Equifax, XXXX and XXXX have a responsibility to respect the privacy of consumers and only share their information with their consent. 

I am a consumer, and I have the right to make sure that my private information is not shared without my permission. 

The FCRA states that CRAs may only furnish consumer reports " in accordance with the written instructions of the consumer to whom it relates. '' ( 15 USC 1681b ( a ) ( 2 ) ). 

However, neither Equifax, XXXX nor XXXX has my written consent to furnish my information. 

Therefore, I am revoking any and all consent that I have given to these CRAs, whether verbal, non-verbal, written, implied, or otherwise. 

The FCRA also states that financial institutions may not disclose nonpublic personal information to non-affiliated third parties unless the consumer is given an explanation of how to exercise their nondisclosure option. ( 15 USC 6802 ( b ) ( c ) ). 

However, the financial institution that furnished my information to Equifax, XXXX and XXXX never informed me of my right to exercise this option. 

In addition, the FCRA prohibits CRAs from making consumer reports that contain " any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( 15 USC 1681c ( a ) ( 5 ) ). 

However, Equifax, XXXX and XXXX are reporting an adverse item of information about me. 

This is a violation of the FCRA. 

Finally, the FCRA requires CRAs to 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. '' ( 15 USC 1681e ). 

However, Equifax, XXXX and XXXX are not maintaining reasonable procedures. 

They are repeatedly furnishing my information without my consent, and they are furnishing information that is more than seven years old. 

This is a violation of the FCRA. 

I am opting out of Equifax, XXXX and XXXX reporting services. 

I demand that they immediately remove my information from their databases and cease furnishing my information to any third parties.
Product: Debt collection

Portfolio recovery associates , llc. At XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I do not recognise these credit inquiries, and I have asked for them to be removed. I have asked to remove them from the bureaus ; ; they did not do as I asked I am providing an identity theft report, and I am requesting that they be removed because they inaccurate and not mine
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/2024 XXXX XXXX XXXX- XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  All these accounts are either not reporting or not reporting accurately on my XXXX consumer report which is in violation of consumer reporting agency, this is negatively impacting my score which is not allowing me to get credit on favorable terms. 
Please investigate and rectify the situation immediately. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was on automatic payment like every single card that I own and somehow got a 30 days late. I don't have 1 single late payment in my entire history. When I contacted Citi to rectify this and make sure that everything was fixed they sent me a letter stating that they were unable to locate the credit bureau inquiry. 

Please see screenshots. I need this late payment to be deleted from credit bureau immediately. 

Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

I am a victim of identity theft. Two fraudulent credit card accounts were opened with my personal information in XXXX, XXXX from American Express ( balance : {$11000.00} ), and the other from XXXXXXXX XXXX ( balance : {$1000.00} ). I never opened these accounts or allowed other people to open them on behalf of me. I never benefited from any of these two accounts. I am never affiliated with the addresses associated with these two accounts, and I never received any cards from these two creditors. After I discovered the fraud accounts on my credit reports in XXXX, I filed the police report and FTC report and sent them to both creditors. XXXXXXXX XXXX accepted my dispute claim. However, American Express handles the fraud case in an unprofessional and negligent way, which has tortured me for more than one year. My communications with American Express are listed below : XX/XX/XXXX The fraud account was discovered, and I started working with American Express to file a proper claim. 
XX/XX/XXXX XX/XX/XXXX XXXX dispute claims have been submitted with proper documentation, but all claims were denied by American Express : We have reviewed your dispute and are unable to accept your claim since you received and used the Card issued in your name.. During this period, I called the American Express fraud department countless times, and all representatives refused to provide more detailed information to explain why the dispute was denied. The cases were usually denied within 6 calendar days since they were created. 
XX/XX/XXXX Started working with a specialist from the American Express XXXXraud department. I provided all the information as requested by the specialist. In our last call, the specialist scheduled our next call on XX/XX/XXXX, but I never heard back from him ever since. 
XX/XX/XXXX A debt collection company reached out to collect the debt on the fault account. I told them that this is a fraud and the representative marked it as a fraud. 
XX/XX/XXXX Started working with a representative from the American Express Executive Office XXXX EXT XXXX. 
XX/XX/XXXX The representative advised that the claim had again been denied even after providing all requested information. The fraud team has done some research to come to the conclusion that you have benefited from the use of the card. The representative refused to provide any additional details about the research done by the fraud team and told me that this is the final decision. 
XX/XX/XXXX Submitted proper request to American Express XXXX but no response as of XX/XX/XXXX. Tracking Number : XXXX.
Product: Money transfer, virtual currency, or money service

I made a purchase with XXXX on their website on XX/XX/year> order # XXXX tracking # XXXX XXXX  via my navy federal debit card this package was supposed to be delivered on XX/XX/year>. Package said it was delivered and when you trace the tracking # and confirmation is of tires. I never ordered tires from XXXX I ordered a pair of men new balance size XXXX. I never knew XXXX sold sneakers Ive been at this address for over 17yrs. Protocol is when a carrier delivers a package a picture is taken XXXX  nor XXXX can provide me proof of delivery Ive been at this address for over 17 years and have never ever had an issue with any packages navy federal refuses to retrieve my funds of {$150.00}
Product: Credit reporting or other personal consumer reports

I have been the victim of identity theft, and multiple fraudulent accounts and unauthorized inquiries have been reported on my Experian credit file. I sent a dispute letter on XX/XX/year>, under Section 605B of the Fair Credit Reporting Act ( FCRA ), requesting the immediate removal of these fraudulent accounts and inquiries. 

The fraudulent accounts include : XXXX XXXXXXXX, Account Numbers : XXXX ( {$520.00} ), XXXX ( {$510.00} ), and XXXX ( {$350.00} ). 
XXXX XXXX, Account XXXX : XXXX ( {$6700.00} ). 
XXXX XXXX, Account Number : XXXX ( {$720.00} ). 
XXXX XXXXXXXX XXXX, Account Numbers : XXXX ( {$1000.00} ), XXXX ( {$530.00} ), and XXXX ( {$1000.00} ). 
XXXX XXXX XXXX : # XXXX ( {$8100.00} ) I also requested the removal of all unauthorized inquiries linked to this identity theft, which are negatively impacting my credit score.

Despite submitting this letter along with documentation proving the accounts and inquiries are fraudulent, no corrective action has been taken by Experian. Under Section 605B of the FCRA, Experian is required to block and remove fraudulent information within four ( 4 ) business days of receiving my request. Their failure to comply with this mandate has caused significant harm to my creditworthiness and financial standing. 

I am escalating this matter to the CFPB to demand immediate compliance with the FCRA, including the removal of these fraudulent accounts and inquiries, and to ensure my credit report is accurate and reflects only authorized and legitimate activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an email from XXXX stating that there has been a HARD INQUIRY on my credit report. I went to the XXXX site and looked further into this HARD INQUIRY and noticed a company called COMENITYCAPITAL/SEPH which I have never heard of and the HARD INQUIRY date shows XX/XX/2023. I have not done anything with this company and have never heard of that company in my life. I researched the company name and contacted them by email but got a prompt in my email stating that the email address I sent to doesn't exist. I continued to research the company and found that they had/have class action lawsuits against them for unauthorized hard inquiries of people 's credit and now I'm one of those people who's credit is being effected by this. I would like for this unauthorized hard inquiry to be removed from my credit report. Thank you and I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX ( XXXX XXXX XXXX XXXX ) has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.
Product: Debt collection

On XX/XX/XXXX I sent a letter to IC Sytem asking them to provide me with validation of the debt they are attempting to collect. I asked that they provide me with the agreement showing that the client grants them the authority to collect the alleged debt, an agreement that bears the signature of the alleged debtor where they agreed to pay the creditor, name and address of the alleged creditor, amount of the alleged debt, verification that the debt was assigned or sold to a collector, complete accounting of the alleged debt and the name and address of the binding agent in case legal action becomes necessary. 

The letter was sent by certified mail and per USPS it shows delivered on XX/XX/XXXX. ( The tracking number is XXXX ). As of today, XX/XX/XXXX, I have not received any sort of reply to my request for validation. From my understanding the company must immediately delete the reporting of this alleged debt to the three credit bureaus as they did not comply with my rights.
Product: Checking or savings account

On XX/XX/XXXX, I contacted N26 to alert them my account had been hacked and all transactions from XXXX up to XX/XX/XXXX were fraudulent, including the address change and the ordering of a new debit card. The rep told me that account would immediately be locked down and I would not be able to access it during then investigation and that I will be contacted with an update soon. On XX/XX/XXXX, I sent them an email stating I could still access my account and if I can do so, the hacker could as well. I asked for an update on the dispute and wanted to know why my account wasnt locked down as told. I contacted them again on XX/XX/XXXX, XX/XX/XXXX, and then on XX/XX/XXXX I received an email that my account has been closed. I contacted them again on XX/XX/XXXX and XX/XX/XXXX regarding the account closure, investigation update, and provisional credit. The responded on XXXXwith an affidavit to complete which I returned on XX/XX/XXXX. I have followed up again on XX/XX/XXXX and no response of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An item was ordered from XXXX  and the treadmill was never delivered and the order was canceled. I called the credit card company, I was told that they can see that XXXX issued a credit for the full amount of purchase plus shipping, but the refund is in a pending status and thus they could not change the information on my credit report. I have done everything that I need to do, I not sure what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX-XX/XX/XXXX for my  XXXX XXXX XXXX/XXXX account Ive contacted all 3 credit bureaus for these late payments to be removed but still no resolution.
Product: Mortgage

I have delinquent mortgage that is being serviced by M & T Bank ( " M & T '' ). M & T placed forced insurance on the underlying property. An insurance claim was filed by me and XXXX checks sent to me with certain specific instructions from M & T as to how the insurance funds would be disbursed ( i.e., M & T wanted a proposal from a contractor, a lien waiver from the contractor, a contractor 's license as well as a signature on teh XXXX checks and an endorsement to M & T of the checks ). All documentation M & T requested was forwarded to them with the XXXX endorsed checks ( XXXX check for $ {$990.00} and aonther for approximately {$5900.00} ). Funds were expended by me for the repairs in order to protect the property ( a rof that leaked very badly and thast was causing additional dmage to the subject property ) and reliance on M & T 's representation that a " reimbursement '' would be forthcoming. After the checks were endorsed to M & T ( each check was written to both myself and M & T ) and forwarded to M & T they refused to pay the claim, notwithstanding significant documentation sent from M & T to me indicating that the insurance would be applied toward the claim if certain procedures were followed, which I did follow. 
As a second part to M & T acting in bad faith, they separately provide ( not in insurance documentation ) a letter on their letterhead ( not part of the forced insurance ) called an '' Acknowlegment of Term '' and thereafter indicated to me because I signed said document, and that because the insurance was paid by them and the loan was seriously delinquent and/or in foreclosure that " M & T could apply any and all insurance proceeds related to the subject property to the delinquent mortgage, as they saw fit. 
I indicated to M & T that I did not sign an " acknowledgment of terms '' upon which they used that fact to deny reimbursement to me for the insurance claim. Thereafter, a manager at M & T ( XXXX XXXX ) was put on the call where I informed him that the phone call, which he was recording, was going to be used for purposes of litigation, as well as several prior calls where M & Tindicated that they " did not have to pay over the endorsed insurance checks under any circumstance '', again, " since the property was in foreclosure ''. I thereafter indicated to M & T that I was filing a complaint with the CFPB and that I was an attorney and was filing a lawsuit against them and that this issue was ripe for a class action. I find it highly likely that M & T is doing that to many borrowers in default and are doing so in contravention to the documentation being sent to the consumer, XXXX various " red herring '' excuses not to pay over the claim but to apply the insurance funds toward the delinquent mortgage.
Product: Debt collection

I opened an account with Amazon in the month of XXXX of XXXX, I made some purchases online. In the month of XXXX I received the Amazon credit card. I tried registering the card via internet so that I could see my bill and pay it off and was not successful. I called the credit card company which is Chase and with there help.I was able to access the account. Once I opened the account I noticed that some charges on the account were not mine and I called customer service with Chase and reported the incident. I was asked if I had use the new card at all. My response was that I had just received the card in the mail and had just set it up. I was then told that the charges would be taken of the credit card and there would be an investigation and that they would get back to me and was also instructed to destroy the card and that they would send a new a card. In XX/XX/XXXX of XXXX  I get a new statement bill from Chase for the amount of {$360.00} and I called customer service again and after a 2 hr wait of transfers from customer service to the Fraud dept I was told that they were re-billing me because the chip could not be duplicated and that the expenses were mine, I asked to speak with a supervisor and was told that someone from the Fraud dept would call me back. In XX/XX/XXXX of XXXX  I got a call from a woman in the fraud dept and after explaining the situation to her she said again that they would investigate the situation again and tasking her to please send me a letter in the mail and not via internet since I have not been able to log in since I last paid my bill and no one has help me to reinstate in the system and up until now I still have no access in the system and I am still waiting for the letter of decision that she promised I would get. XX/XX/XXXX I get another statement from Chase via internet for the amount of {$390.00}. I called Chase cc services again and after 1hr 45 min I got transferred to the Fraud dept again and was able to speak with a supervisor name XXXX. XXXX promised to investigate and call me back either the same day or next day. I got a call on XX/XX/2020 from XXXX and again he said that I was responsible for the bill and that if I wanted to have the company appeal the case he offered to give me information on the charges to one of the companies that were charged in person and do my own investigation and resubmit to Chase so that they can reconsider my case. I have paid chase for the expenses that I made through Amazon and I will not pay for what is not mine. I need help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2024 {$400.00}. 

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 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

My address and name information were incorrect and mixed with someone else for Experian credit report. There were many addressees provided where I never lived. Also, some of the credit information provided was not mine at all. 

Report inaccurately mentioned about a criminal record searched on XXXX XX/XX/XXXX, from Georgia Bureau of Investigation for period of XX/XX/XXXX to XX/XX/XXXX, completed on XX/XX/XXXX. I am not aware of any record. Attached is the screenshot showing the