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

In accordance with the Fair Credit Reporting Act.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. XXXX XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXX # XXXX has violated my right. 
Bank 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 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 than seven years.15 U.S.C 1681s-29 ( a ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
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 XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By filing this CFPB complaint, I, XXXX XXXX, am informing the credit reporting agencies that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Product: Payday loan, title loan, or personal loan

XX/XX/2018 I filed a claim on 1st Franklin Financial Corporation. I sent them a intent to pay and cease and desist all communication letter in XX/XX/XXXX which is dated XX/XX/2018. They claim to never received a letter from me however, they are sending me letters with my current address on them. I did not update any information with them so there for they only got my address from the letters I sent. They are destroying my bank account with overdraft fees, transfer fees and withdraws of money that is not there. I also sent this company 3 or 4 messages on their contact form online XX/XX/2018 approximately XXXX this is 4 weeks before actual letters went out no response within 24 hours. I did however get an email back within 10 hours of writing another complaint XX/XX/2018 at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XX/XX/2023.
Product: Credit card or prepaid card

On the XXXX of XXXX, our wallet was stolen which included our Bank of American credit cards. The theifs went in-store at XXXX XXXX and purchases goods for {$500.00}. 
We reported the cards as stolen and this transaction as fraudulent within 1 hour of the purchase. This was done via phone with several phone calls over the next few days to confirm the cards where cancelled. 
Additionally, the card was used for several other purchases that have been refunded. 
However, Bank of America is refusing to refund the {$500.00} purchase as they claim the card was present at purchase and a signature was used. Which is, of course, correct because the wallet was stolen. This means that the signature was forged and the merchant did not check. 
From your site, I can see that because we alerted Bank of American within 48 hours we should only be liable for {$50.00}. 
Bank of America is refusing to abide by this and is still charging us the {$500.00} even after several attempts to resolve this matter.
Product: Credit card or prepaid card

I received a {$300.00} Capital One Credit card in XX/XX/2022. When I first used the card I paid off the balance in the next statement. It was my intention to continue to do that. I was not notified that my payments were being returned due to auto pay from a bank account I didnt know I had or use. I never signed up for auto pay. I dont understand how or why it was set to come out of that account. 
I then received a letter from Capital One stating that I didnt use the card as I was supposed too. 
So they closed my account. I really wasnt aware what was happening! I know that my over the limit was due to numerous fees charged on my account. I really didnt understand the auto pay setting. Because I was manually paying.
Product: Checking or savings account

On XX/XX/22, I tried to access my checking accounts via the XXXX XXXX  and received the error " We locked your account due to suspicious activity. Call us to unlock it. '' I called on XX/XX/22 ( a Friday ) and was told an account that I had just opened online ( at the bank 's recommendation ) was locked because my wife had used her XXXX app to make a deposit. So we had to go into a branch with ID to prove we made the deposit. Frustrating, but ok. In the meantime, ALL of my checking accounts, savings accounts, and credit cards can not be accessed either via the app or the bank 's website. Since I have paperless billing, that means I can not make payments on my credit card or pay other bills over the weekend. 

I called Monday morning to make an appointment at the local branch. An automated system informed me I had to make the appointment on the website. But, I am locked out of the website, so that's not possible. 

I called the local branch and was redirected to the central customer service office. After navigating the automated system to finally get to a person, she immediately transferred me to another department that had a wait time greater than XXXX minutes ( just to make an appointment! ). Realizing that this dept would be unlikely to actually be able to schedule an appointment, I tried again, navigated a bit differently, and reached a point where the system said no one was available to take my call and hung up on me. 

The last XXXX times I dropped by the local ( XXXX XXXX ) branch for assistance, I was told they couldn't help me because all available staff were helping people with appointments until closing time. So I believe I need to make an appointment, but it appears to be impossible in this situation. 

I still can not access any of my accounts and it is not at all clear what I need to do to regain that access.
Product: Credit reporting or other personal consumer reports

I received a hard inquiry on my credit report on XX/XX/2024, I didn't apply for a new credit card. the credit report shows a hard inquiry by XXXX, XXXX XXXX : XXXX XXXXXXXX XXXX. I called the number to XXXX and they were not helpful at all and referred me to identity theft and they told me to contact Transunion. Transunion told me to contact you to get an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act I have the right to privacy. 
In accordance with the Fair Credit Reporting Act any information that can not be verified must be removed. 

On XX/XX/XXXX I disputed the following hard pulls 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  The dispute was responded to on the same day and the response from equifax was " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE FOR XXXX  YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I requested validation of my authorization for these inquiries. Equifax made no attempt to verify or validate this information. For this reason the entries must be removed Also when I tried to add a statement on XX/XX/XXXX the customer service agent refused to allow me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Experian is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. Experian needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. 

I have sent Experian three letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Experian to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the alleged creditor to validate the debt, instead of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Experian has reported in error and for Experian to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.
Product: Credit reporting or other personal consumer reports

i am a natural person, i am a livng human being. i have right under 15 usc 1681 XXXX  is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give XXXX written permission to furnish these accounts Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

A student loan through the Art Institute of Houston- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Payoff Due {$5200.00} Is a federal student loan. 

I have told them not to call me anymore so they have called my brother without my consent.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my experian credit report in which I have legal Documentation showing no parties were awarded. Experian continues to say the creditor shows proof. I have a court signed affidavit showing they were awarded nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX SSN : XXXX Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
<name of the company with unauthorized inquiry> XXXXXXXX XXXX XXXX XX/XX/2023 Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : Name and title of the person who pulled my credit. 
The date they purport that I gave permission. 
Methods they purport that I gave permission. Please include documentation of said permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The follow items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In late XXXX XXXX XXXX  I delivered a notice of early lease termination ( 90 days prior to termination per the lease agreement only 60 required ) for one remaining lease payment amount. This was.to XXXX XXXX XXXX XXXX XXXX XXXX TX. I hand delivered to XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subsequent to that - the management company has stated that I did not do that and that I owed one more months rent. I sent a copy of the letter to them but never heard back. Now at least twice I have had collection attempts against that debt. 

Most recently this month, RentRecoverySolutions has hit my credit score again for this invalid debt of {$1300.00} ( I have had this reported three times illegally now ). They did NOT call.or.contact me, they sent no notices. I want this off my credit report and for them to stop selling this invalid debt to other collection companies and continuing to hit my credit. 

It should also be noted that besides me giving proper notice ( and then losing and/or ignoring it ) this was during COVID and during that time it was illegal to try and collect on this amount!!
Product: Checking or savings account

Card was stolen, I finally got to my phone and locked card and reported stolen. By then I had {$820.00} in charges I didnt make.

I disputed them and sent proof but they declined my dispute. CHIME BANK
Product: Money transfer, virtual currency, or money service

I have been trying to get access to my Coinbase account since XXXX. I have created a Case # XXXX on XXXX XXXX to resolve this issue but I have not received any action or timeline on when I will have access to my account. Coinbase has no human customer support whatsoever, and will not resolve support requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account by the name of XXXX XXXX is reporting to my XXXX and Transunion credit reports having inaccurate 'Account Status ' information. Theses accounts were paid charge-offs that should both reflect XXXX balances. These accounts are reporting as " Debt included in or XXXX through Bankruptcy XXXX XXXX, XXXX, or XXXX '' which is incorrect. 

- A chapter XXXX bankruptcy was filed in the state of Colorado in XXXX of XXXX and XXXX in XXXX of XXXX. 

- A XXXX energy account was opened in the state of Texas in XXXX of XXXX where my last payment was in XXXX of XXXX. 

I'm not sure where this mix-up happened during the reporting process, but I have attached documents showing activity on a XXXX XXXX account well after my Chapter XXXX bankruptcy was XXXX in XXXX of XXXX. This would make the status of these accounts incorrect/impossible. I have disputed these accounts too many times to count and just would like accurate information present on my credit report. XXXX also refuses to report a XXXX balance.
Product: Credit reporting

Not being allowed to have online access my credit information so that I can view the record and address any issues with disputed or incorrect information that is appearing within my credit profile ( s ). Being forced to make a phone call to address any issues and when that happens the issues are not address correctly and results in different credit report agencies reporting different identifying information of the same entity and or reporting the same incorrect information for different credit profile entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.
Product: Debt collection

In XXXX 2015, I received a court summons from Stenger & Stenger for a debt. I responded via certified mail within the XXXX time frame asking for proof of the debt and for more information. I received no response. The week of XXXX, XXXX/XXXX/15 I believe it was, I received another court document from Stenger & Stenger asking for a motion of default judgement against me. I was never contacted by XXXX XXXX, their client, nor was I ever contacted by Stenger & Stenger before receiving a court notice in XXXX. I have called multiple times and asked for the person named in the documents and he is never available. I have never even been given the opportunity to try and settle this claim. No reasonable offer has been made. There has been no communication other than XXXX court notices. I wish to avoid court if at all possible by I have never been contacted to try and work anything out. How can you threaten someone like this? Most companies send multiple letters or correspondence trying to resolve their issues before taking things to this level. I do not understand how people can do business in this manner. I looked up XXXX XXXX and they have numerous consumer complaints against them for collection efforts. Is this why they felt the need to send a law firm after me? If this debt is in fact valid, I would like nothing more than to come to a fair solution for both sides. All I 'm asking for is communication besides being threatened with court notices. Ca n't this be settled in a civilized manner?
Product: Credit reporting or other personal consumer reports

I RECEIVED AN EMAIL STATING THAT ITEMS WERE REINSERTED ON MY CREDIT FILE I AM A VICTIM OF IDENTITY THEFT AS WELL AS THEFT. I PROVIDED ALL THE REQUESTED REPORTS FROM LAW ENFORCEMENT AS WELL AS FTC REPORT. THE ACCOUNT ARE BEING REMOVED AND RE- REPORTED ON MY CREDIT FILE. I DID NOT GIVE THIS COMPANY AUTHORIZATION TO ACCESS MY CREDIT FILE IVE KEPT MY CREDIT FILE FROZEN AND IVE PLACED A FRAUD ALERT AND REQUESTED I BE CONTACTED PRIOR TO ANYONE ACCESSING MY CREDIT FILE. 
I AM REQUESTING THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. 

XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX SERVICES THESE ACCOUNTS ARE ASSOCIATED WITH THEFT AND WERE REMOVED FROM MY CREDIT FILE AND ARE RE-APPEARING. THIS IS A VIOLATION OF MY RIGHTS AS A VICTIM OF THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX