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

XXXX  credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. XXXX CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX  as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX  is lowering my score with each credit dispute. 
XXXX XXXX - Date of Inquiries : XX/XX/XXXX XXXX XXXX- Date of Inquiries : XX/XX/XXXX XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX
Product: Debt collection

I recently found that my credit score dropped 125 points on account of an amount of {$670.00} showing as a debt owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX by phone and was informed that the amount was incurred by me at the XXXX XXXX in Washington state on XX/XX/XXXX. When I requested the original bill I received an email from XXXX on XX/XX/XXXX, with directions for paying the amount and with an entry showing the amount of {$670.00} owed to Cascade Capital Funding LLC. My address on this document was also recorded  incorrectly. I sent XXXX an email on XX/XX/XXXX, requesting for billing details from the hospital for the amount due. I did not receive any response. I, therefore, followed up with a reminder on XX/XX/XXXX, which also did not elicit any response. I called XXXX on XX/XX/XXXX but was informed that they could not send me any further details. 

I reached out to the XXXX XXXX in XXXX which asked me to fax the details which I did on XX/XX/XXXX. The billing department of the hospital confirmed to me over phone on XX/XX/XXXX, that I had paid all my bills in full for my treatment at the hospital. I also contacted XXXX XXXX XXXX on XX/XX/XXXX and was informed that all my bills had been paid. I contacted XXXX again but they insist that I must show proof of payment against an account XXXX. The billing departments at the XXXX XXXX and the XXXX XXXX XXXX do not recognize this account. XXXX is unable to send me any documentation from the hospital showing details of the amount due, but insist that I must pay the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED 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 ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX PA XXXX PA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXXXXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$550.00} ; XXXX XXXX XXXX .... Balance : {$2800.00} ; XXXX, XXXX XXXX Balance : {$120.00} ; XXXX XXXXXXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX XXXX .... Balance : {$320.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1300.00} ; XXXX XXXX XXXX XXXX .... Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have call from XX/XX/2019 and XX/XX/2019 that were made by transworld system Inc trying to collect a debt that is not for me but for the previous owner of my phone number. I have told them that he doesnt own this phone number any more but they are still calling me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX Subject : Dispute of Charge-Off Entry on Credit Report To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements . 

The inaccurate entry is as follows : Creditor Name : XXXX  FINANCIAL : account # XXXX Date of charge off : XX/XX/XXXX Creditor name : XXXX XXXX XXXX  account number : XXXX Date of charge off : XX/XX/XXXX Creditor name : XXXX XXXX XXXX Account number : XXXX Date of Charge-Off : XX/XX/XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I demand that this account be corrected immediately XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX  XX/XX/2018 TD AUTO FINA Finance XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As reference, please see below account in question. 

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 XX/XX/XXXX I want to explicitly clear with my request. I am not requesting " validation " of debt ; but instead, I am requesting VERIFICATION of the debt. It has become increasingly clear that your are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance in both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to removed the accounts from my consumer report without prejudice.
Product: Credit reporting or other personal consumer reports

I have requested for them to remove this from my credit report and they are refusing to do so.
Product: Checking or savings account

I have XXXX bank accounts, a checking account with XXXX and a savings account with Ally. The XXXX original balance was XXXX. The Ally original balance was XXXX. 


On XX/XX/XXXX, I wanted to consolidate accounts, so I started a transfer of XXXX from XXXX to Ally. XXXX is now XXXX balance and Ally should be XXXX + XXXX = XXXX. 


On XX/XX/XXXX, I forgot that I already did the transfer, so I accidentally made a second transfer of XXXX from Santander to Ally. XXXX is now XXXX and XXXX because of an overdraft fee. Ally should be XXXX + XXXX = XXXX. 


On XX/XX/XXXX, I realize my mistake and see that XXXX is overdrawn. I submit a transfer of XXXX from Ally back to XXXX to fix the overdraft. XXXX is now back to XXXX balance. Ally should be XXXX, which is the correct balance and the original goal of the first transfer on XX/XX/XXXX. 


XXXX shows the correct XXXX balance ( excluding minimal interest payment ). I don't know what happened on the Ally end, but they suspended some transfers and deleted the incoming transfer that would make my account the appropriate XXXX. Instead, they deleted the incoming transfer and kept the outgoing transfer, and now the Ally account shows XXXX ( original balance prior to incoming XXXX ) and the XXXX is completely lost. 


I contacted Ally bank and they created a case reference number but have no idea where the XXXX went that is still missing from my account. 


XXXX shows the correct bank balance of roughly XXXX. I have email receipts of the requested transfers from Ally, but Ally has " lost '' the XXXX and my Ally bank account does not reflect the accurate bank balance which should be XXXX. I am looking for the lost XXXX to be returned to my Ally account to reflect the appropriate balance XXXX. The correct final balances should be XXXX XXXX balance and Ally XXXX.
Product: Debt collection

This company charges erroneous fees and could care less as to why you have a collection placed with them. They're simply about collecting fees! 
I was recently a victim of debit card fraud and my checking account was wiped out causing several items to be returned NSF in error to numerous companies, one of them being Checkredi. I immediately filed a fraud claim with my bank at which time they issued me a temporary credit pending the results of their investigation. They also sent me several emails confirming all of the above, which I was able to forward to the numerous companies that had my debit card purchases returned to them. That being said EVERY company that I forwarded my banks email to simply redeposited their items and waived any fees that they had charged me EXCEPT for Checkredi. Upon speaking with Checkredi customer service I was informed that they were unable to reverse their fee because the email from my bank only stated that they had given me a " temporary credit '' while they were investigating my claim and that it didn't mention anything about it being due to fraud. The woman told me that Checkredi 's policy states that I needed to provide them with a signed letter from an Officer at my bank stating that it was indeed due to fraudulent activity on my account. Are you kidding me lady??? All this over a {$6.00} dollar returned debit charge! It's blatantly obvious that Checkredi is merely interested in collecting as many fees as possible, and has no concern whatsoever with regards to the consumers ill fortune. I have also filed a complaint with the Federal Trade Commission in order that they may be made aware of this company 's deceitful business practices. Absolutely ABSURD!??????
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted fro an alleged identity theft, not later than 4 business days after the date of the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Credit Report and noticed XXXX accounts and XXXX hard inquiries that I do not recognize. I've never established any business with this companies, nor gave permission to run my Credit Report on the inquiries. These accounts have been added to my Identity Theft Report. XXXX XXXX, XXXX, AND XXXX. Also, the XXXX hard inquiries have been added. These accounts are fraudulent and doesn't belong to me. This is Identity Theft.
Product: Debt collection

I was unaware of the collection that was closed. I have been a victim of identity theft/fraud over the years. I have had multiple cases of stolen identity. I keep finding myself being harassed and discriminated against by others for not having a good reason for being harassed by others
Product: Credit reporting or other personal consumer reports

I want to address my concern about a company improperly using your credit report by buying a debt and sharing your information with a different agency, i want to focus on two main laws : the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

15 USC 16 81 section 6028 states I have the right to privacy 15 USC 16 81 section 6048 section 2 it also states of consumer reporting agency can not furnishing account without my written instruction.

15 USC 1681c ( a ) ( 5 ) 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 conviction of crime, which antedate the report by more than seven years.

15 USC 16 81 section 281 a person shall not furnish any information relating to a consumer to any Consumer reporting agency, if the person knows or has XXXX to believe the information is inaccurate.

1. Fair Credit Reporting Act ( FCRA ) : - Argue that the company may have violated the FCRA if they accessed your credit report without a permissible purpose.

- Emphasize that debt buying alone doesn't automatically grant permission to access credit reports.

2. Fair Debt Collection Practices Act ( FDCPA ) : - Point out that sharing your personal information with another agency might violate the FDCPA 's restrictions on third-party communications about your debt.

3. Consent and notification : - Highlight that I weren't properly notified about the transfer of your debt or the sharing of your information.

4. Data privacy laws : - Depending on your state, there may be additional data privacy laws that protect your personal information.
Product: Credit reporting or other personal consumer reports

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

Please delete the following accounts : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$600.00} XXXX  Account Number : XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Balance : {$0.00}
Product: Checking or savings account

I would like to put a formal complaint against CIBC BANK USA A check, where I was the payee was stolen and my signature was forged. I tried contacting the bank so they could help me create an affidavit to send to the bank of first deposit, but they declined to help me. I did not receive any of the benefits of the check. 
Amount : {$520.00} Check number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. I need immediate attention. It hindrance my finances and affect my credit file. Remove the following accounts ASAP from my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ACCOUNT : XXXXXXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B, states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I did the lifetime opt out of prescreened offers a few years back but recently got such unsolicited pre screen offer from tdbank
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. Equifax XXXX ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, everything is wrong! This one really takes the cake you guys. Please don't make me dispute this again. Look at it. You know you are wrong and it is really insulting to tell me that it is accurate. Give me a break. First the same account is being reported as two completely different accounts. Equifax, you barely have no information at all. XXXX, you have some more information, but its all completely different than what equifax has. If you do nothing to resolve this, I'm going to know that your dispute investigations are bogus and I'm getting a lawyer because this is ridiculous. LOOK AT IT AND TELL ME IT '' S NOT INACCURATE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts have violated my Rights. 15 U.S.C 1681 Sec-602A State I have the right to Privacy. 15 U.S.C 1681 Sec- 604 A Sec 2 also states a consumer reporting Agency can not furnish a account without my written instructions. 15 U.S.C 1681C. ( a ) X ( 5 ) Sec 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 then records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX 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
Product: Credit card

On XX/XX/XXXX Chime sent me an email indicating that an account was created for me, they were sending me a XXXX debit card, and instructing me to sign up for direct deposit. I never signed up for an account with Chime. When I called to inquire about this unsolicited email and card they requested my social security number in order to close my account. I did not give this information. As a result, they said they were unable to close the account ( that I didn't sign up for ). They have no right and no permission to use my information to send me offers. This is harassment and a misuse of my personal information.