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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA XXXX I HAVE TRIED TO CONTACT EXPERIAN DIRECTLY TO NO AVAIL. 

I am writing to formally dispute the following information on my credit report. I believe the information is inaccurate and I am requesting that it be corrected in compliance with the Fair Credit Reporting Act, Section 607 ( b ). 

Incorrect Name : My name is listed as XXXX XXXX XXXX, but my correct name is XXXX XXXX. Please update my name to reflect the accurate details. 

Incorrect Date of Birth : My date of birth is listed as XXXX, but my correct date of birth is XX/XX/XXXX. Kindly amend this to the accurate date. 

Employer Missing/Incorrect : I noticed that my employer, ACTIVE PRODUCTION DESIGN, is not listed. Please update my employment information to include ACTIVE PRODUCTION DESIGN as my employer. 

Please conduct a thorough investigation into these discrepancies and provide me with the corrected information. If you need any further documentation from my side to support my dispute, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Signature ] [ Your Name ]
Product: Debt collection

XXXX Apartments reported a collection on my credit report that does not belong to me. I had a lease agreement with them, which later expired and was renewed by someone else who is responsible for this debt. I have documents proving that I am not listed on the contract.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has XXXX accounts that are inaccurately reported as charged off and consumer remarks states profit/loss write off yet I have not received a XXXX indicating cancellation of the debt. Please investigate and remove this account if it can not be verified due to inaccurate reporting. 

If XXXX XXXX  has charged off this debt they should have issued a XXXX. The absence of a XXXX indicates that the debt is still considered collectible, which is inconsistent with the charge-off status. Please either remove the charge off status from XX/XX/year> to beginning of charge off reporting or send verification of debt cancellation through XXXX.
Product: Checking or savings account

XXXX  XXXX and Wells Fargo Rob me {$100000.00} Dollars and XXXX sperate Banks lawyers say its imposable to comprend then 15 years the Police Harass me when go outside so never leave my apartment and I took a Screen Shot Picture of Front and back of a Check uploaded to secure email and XXXX XXXX wont cash it. and Wells Fargo Has no secure Email and Customer Service agent refuse to give me his name and rudly hang up phone. 
My {$15.00} XXXX XXXX is not secure enough to do Banking and to small and difficult. XXXX XXXX XXXX XXXX XXXX XXXX  log in both have a box to check to rember user name and or Password Banks or XXXX  Rember all Bank user names and there no way to stop them so You can rob anyone cell Phone rember all customers user name and use a Phone Verification to Change Password XXXX XXXX Refuges all Banks require International Long Distanced to Call a Bank XXXX Number Defendants Discriminated against me and similarly situated people based on race, color, national origin, disability, age, sex, religion Violates genocide laws, war crimes, crimes against humanity and aggression, Universal Declaration of Human Rights, 42 USCS1346 ( b ), 28 U.S. Code 2671 to 2680, 42 USCS 1983, 1985, 1986, 28 USCS 1331 ( a ) - 1334, 42 USCS 2000bb-4 and 2000cc-2 ( a ) RICO Act 1962 ( d ) First, Fourth, Fifth Sixth, Eighth, Fourteenth Amendment and Bivens Action SEE Bivens v. Six Unknown Named Agents, 403 U.S. 388 ( 1971 ) and 1983 Supreme Court allows Malicious Prosecution Lawsuits only when all Charges Dismissed and 1st Amendment Retaliation Claim
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 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : 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, credit repair services, or other personal consumer reports

MY DOB is XX/XX/XXXX. This account was opened when I was underage. XXXX years of age. The account belongs to mother XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Louisiana Recovery Services has placed several debts with XXXX, XXXX and XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are a listing for the following amount : {$1500.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened complaints with XXXX XXXX XXXX, XXXX, CFPB and as of yesterday wrote the White House. 

The Cares Act when executed stopped all Federal Student Loans payments and placed them into COVID Forbearance. Consequently, this reflected on credit reports in some situations as not reporting and on others as Late, see attached. The major issue is that as a personal consumer I never requested the Department of EducationXXXX XXXX  XXXX or XXXX to place my loans in deferment. Once I noticed the ACH not being withdrawn from my account, I contacted XXXX XXXX and requested payments be reinstated. Recently, my loans were transferred to a new service provider and with the extension of the Cares Act 0 % interest thru XX/XX/XXXX, they stopped my payment without my authorization. 

This is having a negative effect on my credit report. A consumer should have to request forbearance or hardship, loans should not be placed into deferment unless requested. I have attached my ACH history and I have opened disputes with all the Credit Bureaus and XXXX XXXXXXXX continues to update inaccurately. I have an open dispute for the posting of the XX/XX/XXXX Payment that never posted prior to transfer to XXXX. 

I believe COVID Forbearance should be removed from any credit report as there was no authorization to stop payments. They just stopped. For an individual like myself that caught it and reinstated payments, especially! 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Experian stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Product: Checking or savings account

I am filing a complaint with the XXXX regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 : Also states a consumer reporting agency shall not furnish an account without 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 items 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: Debt collection

AMERICAN EXPRESS - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My right to privacy is being violated by XXXX, in accordance to 15 U.S.C 6801 ( a ) FCRA. I have the right to privacy of my personal information. I find the obtaining, selling, and furnishing of this XXXX XXXX Bankruptcy information to be an invasion of that right and demand that the bankruptcy accounts be removed immediately from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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

Dear CFPB, I am filing a formal complaint against Equifax for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
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. 

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 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

***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** I, XXXX XXXX, as a Federally protected consumer XXXX am submitting this complaint against the debt collection agency, Collins Asset Group , LLC for willful and deliberate failure to comply with the Fair Credit Reporting Act section 15 USC 1681s-2 ( a ) ( 6 ) ( B ) by removing or blocking the inaccurate and fraudulent account from my consumer credit report. With clean hands and in good faith I have issued due notice to this agency informing them of the Identity Theft and unauthorized activity committed, which includes the required statement of facts by the consumer, the FTC Identity Theft Report, and the FTC Identity Theft Affidavit in accordance with the FCRA. This debt collection agency continues to furnish fraudulent account information in an unfair, false, misleading, and inequitable manner causing grave harm and detriment to my financial reputation as a Federally protected consumer. Collins Asset Group , LLC has committed willful and deliberate violations of both the FDCPA and the FCRA and shall be held civilly and criminally liable for the following : 1. ) FDCPA - 15 USC 1692c ( a ) / 12 CFR 1006.6 ( b ) ( 4 ) ( i ) No Prior Consent to Communicate 2. ) FDCPA 15 USC 1692e ( 2 ) ( A ) / 12 CFR 1006.18 ( b ) ( 2 ) ( i ) False Representation of Debt Amount 3. ) FDCPA 15 USC 1692f ( 1 ) / 12 CFR 1006.18 ( d ) False or Misleading Representations 4. ) FDCPA 15 USC 1692e ( 10 ) / 12 CFR 1006.22 ( b ) Collecting Amount With No Agreement 5. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) Reporting Information Factually Inaccurate 6. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ) Reporting Information After Notice of Inaccuracy 7. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information With Knowledge of Errors 8. ) FCRA 12 CFR 1022.3 ( h ) Identity Theft / Unauthorized Use of Personal Information 9. ) FCRA 15 USC 1681s-2 ( a ) ( 6 ) ( B ) Failure to Remove Information after Notice of Identity Theft
Product: Checking or savings account

On XX/XX/XXXX, a fraudulent charge of {$1500.00} was on my account. I contacted the bank that day, but no action was taken. I called back the next month and someone correctly fixed it with a credit. 
However in XXXX that credit got reversed. I have spent 20 or more hours calling them and asking for clarification. No one can tell me why they reversed it. I'm not trying to close my account, but can't because it's negative due to the reversal of the credit. 
Basically, the bank won't stand behind their claim to credit fraudulent charges and now are trying to take another {$1500.00} from me.
Product: Vehicle loan or lease

On or around XX/XX/2019 I deposited {$4000.00} in my Kia Finance Lease account to be used for monthly lease payments for the following year ( 12 months ). I transferred the money via an ACH payment from my checking account around that date and informed them that this money ( credit ) was to be used for monthly lease payments. Kia Finance could not figure out what that {$4000.00} was for and continued to draw money for the lease payment from my checking account ( {$330.00} ) instead of using the {$4000.00} credit on my account for payments which I instructed them to do. After realizing they were to XXXX to figure out what that money was for I requested they refund that money back to me. I was informed that they would only issue a check and that it would be 16 days. Four ( 4 ) + weeks have gone by and still have not received my refund. I have called these XXXX and have been told it will take time. Unacceptable.
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX  a collection was opened on my credit from XXXX XXXX. I have disputed this with transuniom for years and it hasnt been removed. The COLLECTION has been showing on my report as opened, has a high limit balance and shows a past due amount when no payment plan was established with this company. I would like this removed from my credit as soon as possible. I am also about to put in a complaint with the company harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Product: Credit card or prepaid card

I received a transfer of my unemployment benefits as well as my pandemic unemployment assistance on Monday, XX/XX/2020 at XXXX XXXX and at XXXX XXXX American Express serve sent me an email stating they locked my account and gave no further instructions or guidance or even an explanation on why they did it so they took the Direct deposit excepted it and then locked my card so I have no way to access my funds or even receive a new card to use my funds I had saved my unemployment on this card for a deposit as well as for rent because I will be homeless as of XX/XX/2020 and I called several times to notify them as well as to try to find a resolution for the problem and every time I called they would not tell me anything or even offer me help to receive a new card or anything so as of now I have no money no way to feed my family and no way to provide shelter after XX/XX/XXXX so I am asking that we hold them accountable for these funds as well as for the criminal activity they are doing to people around the world
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15 U.S code 1681s-2 section 602 states I have the right to privacy. Under 15 U.S. code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S code 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

You just need to requested the like 12 phone calls I made on XX/XX/XXXX and unhelpful they were and did nothing to fix the issue and this is a issue that has been going on since the account was open by my wife and i
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Account XXXX  account NCB Management Services ( XXXX XXXX ) account number 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. 

They are also pulling unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

IMY CREDIT INFORMATION IS INNACURATE, THERE IS A SOCIAL SECURITY NUMBER THAT IS NOT MINE. 
XXXX XXXX  XXXX XXXX XXXXXXXX
Product: Checking or savings account

I received XXXX checks in the amounts of {$16000.00} and {$1600.00} from my former employer on XX/XX/XXXX. both were deposited using my mobile app that day. when I deposited the funds, I was told they would be available on XX/XX/XXXX. it is now XX/XX/XXXX and still there is a hold on these XXXX transactions. I called customer service and was told it is because the issuing bank has not " verified funds ''. I was also told that the hold has now been extended to XX/XX/XXXX. These checks are both good, i hav XXXX received deposits from my forme employer to this account the past and m, y combined balances across personal and business checking is enough t cover the checks in question if they should bounce. 

I request that this bank release my funds immediately as there has already been an egregiously long hold for them.
Product: Debt collection

On XX/XX/2022, I fell on some ice and XXXX XXXX XXXX. In XX/XX/2022, I got XXXX XXXX XXXX XXXX. I have been in a XXXXXXXX XXXX  for XXXX since then. Then I fell at the XXXX XXXX and XXXX XXXX XXXX. it seems there was a hearing about my credit card debt that had passed the statute of limitations of 6 years. At the hearing that I never got notice for The debt was restarted and the owners of the debt got a judgement against me and garnished {$3000.00} from my account. I have no income and I don't know when I can get back to work. I can't take it any longer. I'll XXXX  soon.