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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXXXXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), Account # XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX has all 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 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 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 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

I am a victim of identity theft, please see attached FTC and additional information
Product: Checking or savings account

XXXX XXXX XXXX has taken money from my account without authorization TWICE. I agreed to a catch-up plan with this company because I was one payment behind on furniture rental. The verbal and written authorization was for the amount of XXXX. Instead, XXXX XXXX ran the payment from my account for XXXX on XX/XX/19 which was not the amount that we agreed upon. This overdrew my account because I had only enough money in the account to cover the amount of the payment. They refunded the money to me but did not cover any overdraft fees even though they were the reason for my overdraft fees The second time was today, XX/XX/19. I chatted with an agent named XXXX and I agreed for another catch-up plan to start on XX/XX/19 for the amounts of XXXX and another payment to be taken on XX/XX/19 for XXXX. These were to be my final two payments for the account and they were to be taken from my XXXX XXXX acct. Today ( XX/XX/19 ) they took payment for XXXX from another account and I did not authorize that. I have screenshots from the chat that I conducted with XXXX and I explained in the chat that the last fiasco that we had resulted in overdraft fees and that I was not able to make this months payment. This is a horrible business that lives to takes its customers money. Just because it caters to consumers with. not so good credit does not mean that we can just be taken advantage of. I WANT MY MONEY BACK and I plan to file a dispute with my bank. This is craziness and I need it to stop.
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 XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

I open a savings account with US bank on XX/XX/XXXX I was able to transfer {$5000.00}. XXXX  XXXX  application was set up but on the same time it was disabled. Immediately called the bank about the problem and I was told to wait 48hours to reactivate. I followed the instruction and try to log in after 48 hours but still no luck. I called the bank and to my surprise I was told that the account was closed. I was told that they were asking me to submit documents for verification and I failed to comply. No one ask me to submot any documents. After the call I got a secured email requesting documents I complied with the request and after a couple of days I received an email that my account was closed due to non compliance of documents requested. I was told that I will receive letter explaining why my account was closed and a Cashier 's check amounting the funds that were successfully transfered. After 3weeks of waiting nothing came and so I did follow up with the bank I was being trasferred several times to different department and no one can figure out how to resolve the issue. Until one banker told me to go to any nearest USBank branch and speak with the manager bring my social security card id and drivers license and they will issue the check right away. So I made an appointment and went to the bank. One week past and I did not get any update. Bank personnel named XXXX reach out to me to follow up If I was able to get update he ask me to come to branch so we can follow up. I left the branch dissppointed and clueless on whta is going on why they cant release my funds. Today is the XXXX week that US bank held my hard earned money for no reason. Their customer service is awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account in my name stolen identity XXXX XXXX Open XX/XX/18Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on 15 US Code 1681, the banking system is dependent upon fair and accurate reporting of my credit. Unfair credit reporting by you has caused me to lose confidence in the banking system, making me not want to extend my credit to anyone. 
Pursuant to 15 US Code 1692 ( a ), there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. These practices have been detrimental to my life. I have lost out on job opportunities. This has caused lost wages for me. This has caused physical stress on my body, having to work harder physically in order to maintain financial matters. This has caused mental anguish for me, especially during the times of my parents passing. Lacking the funds to properly burry my parents has been the absolute worst, and your inaccurate and unfair reporting has contributed to this. 
Based on 15 U.S. Code 1681 ( a ) ( 4 ), I, the consumer, have a right to privacy. Equifax has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 
All consumer reporting agencies must follow reasonable procedures pursuant to 15 U.S. Code 1681 ( b ). Reasonable procedures were not followed by Equifax and this is a violation of 15 U.S. Code 1681 ( b ).
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, XXXX Last XXXX XXXX RE XXXX XXXX XXXXXXXX ... ..-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( XXXX ) .and accordance with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I 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.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX  consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 
Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to rent an apartment and when I pulled up my credit I found an unpaid negative fraudulent account on my file. I always pay my bills on time I have no idea where these accounts came from. I live in XXXX OHIO. I noticed According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX please delete these fraudulent addresses asap : XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please remove the following unknow phone number : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX you wrong information method of verification XXXX use of my information I written in a certified letter to the company, requesting method of verification within XXXX days. I have not received anything, and no update on how they verified this account with the miss information on there. 

In accordance with the fair credit reporting act. The lost of account has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1581. 


Account name XXXX of Nevada XXXX Has violated my rights 15 U.S.C 1691 section 602 A. states I have the right to privacy. 

15 U.S.C is 1681 section 602 A section 2 it also states a consumer reporting agency can I furnish account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states No consumer report agency may make any consumer report containing any other following items of information. Any other adverse items of information other than records convictions of crime which antedates the report more then XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable to believe that information is inaccurate
Product: Bank account or service

My savings account was involuntarily closed after the financial institution claimed that my overdraft protection exceeded the XXXX per month - preapproved transfers for a period of 12 months. In order to avoid any returned checks or transactions, I was prohibited from making any transfers of my own. This allegation that I exceed the XXXX transaction per month is the furthest from the truth and has caused me financial hardships of authorized e-checks being returned, my account being charge overdraft fees, and thus my checking account going into the negative. The intent of the overdraft protection is to avoid overdraft fees in the amount of {$36.00}, by having any debits that exceed the checking account balance to be extracted from the savings account. I was unaware of any limits per month - not to mention, I have not exceeded the checking account balance more than XXXX times out of a 12 month period. Closing the savings account has cause even more inconvenience as I have a {$500.00} direct deposit going into this account on a bi-weekly basis and will have to re-channel this EFT, in addition, I will need to go into the bank and withdraw the monies into the savings as the account is no longer valid. Much of the confusion stems from the manner in which the financial institution process its transactions, debits/credits/bill pay, etc.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report for I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. I would like for all listed accounts to be blocked and deleted from my credit report for myself XXXX XXXX last four Social Security number is XXXX, XXXX : XX/XX/year>. ( Please delete the following accounts before I seek litigation for defamation of character ). Accounts XXXXXXXX XXXX XXXX {$7900.00}, XXXX XXXX XXXXXXXX XXXX  {$15000.00}. XXXX XXXX XXXX XXXX  {$430.00}, XXXX XXXX XXXX {$250.00}.
Product: Debt collection

For the same loan that you had resolved for me previously, I 'm now being asked by Navient which XXXX XXXX had said was their spin off for it again.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 Balance : {$0.00} ; XXXX  XXXX Balance : {$3400.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$6800.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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, credit repair services, or other personal consumer reports

XXXX   is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted  XXXX  before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft Regions Bank   XXXX   XXXX   XXXX   XXXX   XXXX  , AL  XXXX  Reported Name  XXXX   XXXX  Reported Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX  Reported SSN :  XXXX  Drivers License :  ( Bla nk ) RTN :  XXXX  Account :  XXXX  Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file
Product: Mortgage

On XX/XX/2018 I was notified by my Home insurance company that my home insurance premium of {$1600.00} has not been paid. After contacting my agent and calling the mortgage services : Carrington Mortgage Services, I request research on tracking the payment. Carrngton expressed that their system does not identify on the check a reference to my insurance policy nor does it list me name. They stated they send the check with a reference paper. XXXX XXXX, my homeowner insurance company, stated they returned the check to Carrington due to lack of reference on the check on application of the funds. Carrington denied receiving these funds back from XXXX. My policy lapsed as of XX/XX/2018 and he lack of response from Carrington shows they are not concerned with rectifying the matter. I spoke with a manager named XXXX from Carrington Mortgage services who identified herself as a Manager with the firm.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed that your collection agency has reported this debt. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provides written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and XXXXXXXX XXXX  including the original contact between me and XXXXXXXX XXXX  within 15 days of receiving this dispute. Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly.
Product: Credit reporting or other personal consumer reports

XXXXreported to lexis nexus a credit beureau that i was an at fault driver in a XX/XX/23 car.wreck.when i was not at fault. i wrote a.letter a year ago asking for the information to be corrected. They did not reapond Finally after.researxhing what to do i filed a dispute and it was removed. I have suffered civil.penalties and paid higher insurance and qouted higher insurance then i could afford for a.trucking company this violated for violating title 15 of the fcra
Product: Credit reporting or other personal consumer reports

My credit report from Experian app, XXXX and XXXX has not been update for months. All though Ive making all payment on times my credit report remain the same. 
I have attached proof of my credit report from credit Karma that constantly been updated. 
Experian never updated my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit file. 
The following accounts were not authorized by me and should be immediately blocked and deleted : XXXX XXXX XXXX  Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6400.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$720.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$780.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Equifax, and XXXX to reinvestigate these accounts. XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), and XXXX XXXX ( Account # XXXX or # XXXX ) I don't know which one is the right account number because all of these accounts are reporting inaccurately. How is it that the account numbers, open dates, balances, account types, date of last payment, and date of last activity be reporting inaccurately? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 A : States that I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency can make any other 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they are not in compliance with Metro 2 credit reporting. I have attached evidence to prove my case.
Product: Credit card

To the CFPB I'm submitting this complaint against XXXX XXXX XXXX XXXX XXXX because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts. 
I was not aware of a legal action against my person back in XXXX. This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at XXXX XXXX XXXX XXXX XXXX. I need a full investigation on my behalf. I'm over XXXX XXXX XXXX XXXX and considered a XXXX XXXX. 
This account was never validated. Under federal laws, I need all documents when this account was open. I understand that XXXX XXXX XXXX XXXX XXXX. closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account.

1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from EQUABLE ASCENT FINANCIAL LLC TO XXXX XXXX XXXX XXXX 
6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state.

11 ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has incorrect information on file. 
When i shopped for home mortgage in XX/XX/XXXX, I contacted 6 companies, and picked one of them. This must be shown as one inquiry, not six. 
I tried to call customer service - got disconnected on XX/XX/XXXX. Also, tried to chat on Experian.com - thee times was disconnected, also on on XX/XX/XXXX. It looks like a complaint to agency is the only available means to fix the issue. 
Please help to rectify the issue.