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

I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( # XXXX XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XXXX  negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). I have informed the bureau of inaccurate information with written proof from the debtor that I am not liable for this. I have sent them a copy and they refuse to remove the inaccurate information. THEY HAVE REFUSED TO REMOVE THE INACCURATE INFORMATION, STATING THAT IT HAS BEEN VERIFIED, WHEN CLEARLY IT HAS NOT. This is clearly a a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). This information needs to be removed immediately or I may have to contact higher legal counsel regarding this matter.
Product: Vehicle loan or lease

I have a Closed Charge off Collection account from Santander opened back in XX/XX/XXXX. The vehicle was repoed in XXXX. I later found out Santander is involved in a class action lawsuit from XXXX through XXXX. And the state that i live and and where my account was opened is included in the lawsuit. I recently used this as my dispute reason with XXXX  and successfully got them to remove this account off my credit. I then attempted to dispute with XXXX  and XXXX  and Santander is reporting the account remains and is still due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report e.nd se.w items that i didn't approve of neither do i recognize these items. I need removed from my credit report. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX, XXXX ... XXXX XXXX XXXX, US DEPT ED. I reached out to the FTC and my local police and Im also doing this on my own behalf.
Product: Debt collection

Hello, I checked my credit report and saw an account from XXXX XXXX appear on it. I did not know who they were, or why they appeared on my credit. I sent them a debt validation letter that they did not reply to. My next step is to enter litigation unless they remove this item from my report. The letter I sent is attached.
Product: Checking or savings account

I was given a {$50.00} credit for the problem I was having with the money transfer option on the online banking app and they decided to reverse the credit which put my bank account in a negative balance on XX/XX/XXXX,. I had previously filed a complaint against PNC BANK FOR this same issue complaint number XXXX. My last response from CFPB was that PNC BANK claimed the investigation is ongoing and no results have been found yet as of XX/XX/year>. As of XX/XX/year> PNC BANK has decided to close my account without contacting me in any way whatsoever. Every time I called I was told that a XXXX was going to reach out to me by phone. I never received any phone call as of XXXX days ago. My last call made to PNC BANK to try to find out what was happening with my account before I decided to make another deposit because they still never told me what happened with the money transfer problem they kept telling me to call XXXX XXXX my transfer went through on the XXXX XXXX end it was posted and paid, the money just never reached my PNC BANK account because of PNC BANK was having problems with their money. Transfer options on the online banking app.
Product: Credit reporting or other personal consumer reports

15 USC 1681a4 violation of privacy.

15 USC 1681eb inaccuracy of credit reporting 18 USC 1028a aggravated identity theft 15 USC 1692c collection agency contact
Product: Checking or savings account

my account is on hold and closed with bank of america with over {$7000.00} in it i have reached out to bank of america benefits card holder several times the hold was because of an identity issue with was resolve with the department of maryland unemployment my identity is verified i no longer have a hol with unemployment habe been expressing this issue to bank of america over XXXX times and they still will not release my funds in the closed acount
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below have reported to my account. I am unaware of these listed inquiries. Please look in to the listed accounts. Thank You, 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 XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I had charges on my card that I did not do and theres no way I could do them because I was at work. They denied my claim now Im stuck and cant pay my bills because they dont have extra security for there bank which is US bank
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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) ( 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

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$690.00}, XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX BANK ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$970.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX BANK XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

No disclosure of verifying recipients when sending money
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I am writing to file a complaint against XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX reported a collection to the consumer reporting agency that they never actually collected, after I had already made payment to XXXX  ( Regarding Policy number : XXXX ) for the amount of {$94.00}. On Tue, XX/XX/2021, at XXXX XXXX, I made a payment to XXXX for a past due balance of {$94.00}. This payment was made to fulfill esurance company 's requirement before purchasing a new car policy ( Policy number : XXXX ). The requirement was to pay any past-due balance before the issuance of the new policy. Which I did in the specified amount, day, and time above. You can verify these facts by calling the XXXX customer service center at XXXX ( XXXX ). 

Therefore, I am absolutely confident that XXXX XXXX can not provide a date and transaction ID for this transaction, as it was paid by me, directly to XXXX, right before I purchased a new car policy ( on Tue, XX/XX/2021, XXXX XXXX  ; Policy number : XXXX ) from XXXX. At this time, XXXX  did not disclose or mention that the account had been acquired by a collections agency. Additionally, if the account had already been acquired by XXXXXXXX XXXX, XXXX  would not have directly taken payment. Neither had XXXX XXXX communicated with me before this date and payment, about the acquisition of my account. 

Pursuant to 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 consciously avoids knowing that the information is inaccurate. '' This section prohibits collection agencies from knowingly reporting false information about a consumer to a consumer reporting agency. XXXX XXXX is in violation of this section by reporting false information about me to a consumer reporting agency. 

Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) of the FCRA specifically pertains to the responsibilities of CRAs in the event of a disputed credit report. If a consumer disputes the accuracy of the information in their credit report, the CRA must investigate the dispute within a reasonable period of time and if the investigation finds that the information is inaccurate, the CRA must promptly delete or correct the information. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against XXXX XXXX for its violations of the FCRA. I request the CFPB to require an update of my report to reflect the accurate and verifiable information and request the deletion of any information relating to any outdated information being reported. I further request XXXX XXXX to facilitate me with a copy of any changes to my report pertaining to this complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are still inaccurate items on my credit report. I already filed complaint about this but they just taken it for granted. If the bureaus do not take action, I will file a lawsuit againts them and demand a compensation because of the damaged theyv 've been cause on me.
Product: Credit reporting or other personal consumer reports

I found inaccurate names on my credit report with information which is different from my legal records when I received my first report. I requested that the company remove all information with the exception of XXXX XXXX XXXX. Upon receipt of a second report, the items have yet to be corrected. I do not know where they are obtaining OTHER VERSIONS of a similar name, but those versions are not mine. I am fearful that inaccurate information in my report will cause reporting agencies to open me up to identity theft and also connect me to accounts that are not my own. 

PLEASE REMOVE ALL NAME DATA THAT IS IN ANY WAY DIFFERENT FROM BELOW. 

XXXX XXXX XXXX ( This is my legal name )
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting

State of Alabama reporting a erronous amount of money due from a $ XXXX/mo child support payment from XX/XX/XXXX where in XX/XX/XXXX I paid a {$7000.00} lump sum payment to avoid jail time. This debt amount is incorrect, it is over 10 years old, it was removed from my credit report before. Under the Fair Credit Reporting Act this is in violation on my equal rights. I did not borrow any month from the The State of Alabama for payments to my ex-wife and my daughter is XXXX years old. As stated I have contacted Equifax in which The State of Alabama verified before the debt should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Vehicle loan or lease

Well before filing bankruptcy I tried to keep the XXXX XXXX if they would lower payments and this was asked of Toyota credit services in 2017 I paid a couple of payments while I was waiting on them to come and get the car and when they got the car back they sold it at an Auction and still was trying to say I owed over {$11000.00} so then I keep getting harassed from them for a long time filed bankruptcy this year and the bankruptcy judge discharged it and they will not remove it from my XXXX credit report and will not remove it from my XXXX  credit report the only one they removed it from was XXXX  credit report can you please do something with these people
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate accounts on my credit report. It's been months since I sent my first dispute in. The inaccurate information is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted personal request about ongoing issues of multiple inaccuracies on my credit report. I have asked for proof of validation of debt with my original documentation. I have provided direct discrepancies from reportings of late payments. I have asked for a collection item to be removed off my credit. XXXX has deflected by sending me this email, even though my request was signed by me personally with my identification. 

My request is as follows Correction to my name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX No XXXX history I requested to have multiple late payments removed off my credit report from the department of education that went from on time payment and then to 90 days late on six accounts. 

I asked to dispute late payment reporting on XXXX XXXX XXXX XXXXXXXX. XXXX XXXX and XXXX. 

I asked for proof of verification and also requested validation of debt. 


This is not my first request this is my last and final request before I bring forth action.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # xxxxxxxxxx XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX 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 or information, other than records of conviction of crime 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 reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

XX/XX/XXXX - I sent notification of dispute by mail to collection agency - Concentric Receivables regarding the debt being reported on my credit. I never received a response. ( I will include a copy of the signed receipt of the certified letter. ) XX/XX/XXXX - I sent a second dispute letter by mail and again, received no response. 
XX/XX/XXXX - The item remains on my credit report and to date, I have never received any response to either of my disputes.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : U S DEPT OF EDXXXX XXXX XXXX : {$6300.00}
Product: Credit reporting, credit repair services, 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 items 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 : 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 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

I got my most recent credit score on XX/XX/2019. I have been trying to get my credit back on the right direction. i cosigned for a friend and they turned the car back in to the dealership and stopped making payments. This account is still reporting on my credit and affecting me from getting the house i want and the car i want. I made a mistake cosigning and now i have to suffer and not get the things i want in life. I asked that santanders remove this account because it is damaging my credit and they are reporting inaccurate payment history i sent a letter in the mail on XX/XX/2019 and never got a response. I ask that this account please get removed from my credit file i cant qualify for a car to get my children to school and get my self back and forth to work.
Product: Checking or savings account

Recently, the last month or two, Ally Bank has been very difficult to reach. I have banked with this company for over 10 years and they have always been immediately available or with wait times less than 10 minutes. However yesterday ( XXXX XXXX ), I wanted to replace my lost debit card. The first call cut off after 47 minutes of waiting, the second after 50 minutes of waiting. This morning ( XX/XX/XXXX ) their estimated wait time, at XXXX am, was 75 minutes At least today, they offered to call me back. It has been over 30 minutes and I am still waiting.

I realize that this is not an emergency situation. However, if I was traveling or some other dire occasion, what would I, or any other customer, do? There is a place on their website to 'lock ' your card. Shouldn't there be a place to request a lost or stolen card? I am sure there could be enough safeguards for that. At the very least their call time response needs to improve drastically. And dropping calls is not on my end, my phone never drops calls. I plan to find another financial institution in which to place my money.