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

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumeXXXX  reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative  accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness  By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

On XX/XX/2018 I received a call from my step son stating that there had been a complaint filed against me and I needed to call XXXX I called that # and as given a case # XXXX and was told to call XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX at that time I spoke with a person by the name of XXXX had he stated he was calling on behalf of Discover and that I had a outstanding balance of XXXX and I could clear this up right now for XXXX and he stated that I was mailed this in 60 days ago I told him that I never received it he sated he would resend in, I explained to him that I was on vacation and would like to get home ( XX/XX/18 ) and look into this and he stated no that it had to be resolved right now or further legal action would be taken against me he stated what he could do as a payment arrangement of XXXX for 25 months and the first payment had to be made right than. I did make that payment When I got home on XX/XX/XXXX I did call Discover at XXXX and spoke with Lea and she stated there was no outstanding debt. I than called XXXX XXXX XXXX XXXX and ask for the paperwork be emailed to me and the lady I talked to stated she would email it, what they emailed was a bill .. So I called back and spoke to XXXX and he stated they couldnt resend it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i do not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Equifax. I called them on XX/XX/XXXX to place a fraud alert on my credit file because I noticed an inquiry that was from XXXX  XXXX that I did not authorize. I followed up by sending them a letter on XX/XX/XXXX ( proof of letter sent and ate received in the attached documents ) that they received XX/XX/XXXX. The letter asked that they verify and delete this inquiry. They responded on XX/XX/XXXX online myequifax.com ( which I can no longer see the results ) stating that they verified and the inquiry belongs to me but sent no proof of verification. I sent my 2nd letter on XX/XX/XXXX asking them again to please remove XXXX XXXX, XXXX XXXX and 2 XXXX  inquiries. ( They received the letter on XX/XX/XXXX proof in attachments ) They responded on XX/XX/XXXX with the attached letter asking that I send another letter to : Equifax Information Services, LLC XXXX. XXXX   XXXX XXXX, GA XXXX and Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Which I sent out on XX/XX/XXXX. ( Attachment includes copies of letters ) Asking them to verify and please send me the name, address and phone number of the persons ' that spoke with to verify these inquires XXXX XXXX and XXXX. They received the letter on XX/XX/XXXX. On XX/XX/XXXX they sent out a letter stating " Inquiries are factual record of file access. '' With no proof of verification. These inquires have been deleted from both XXXX and XXXX  because they do not belong to me. 

XXXX XXXX XX/XX/20 and XXXX XX/XX/20 and XX/XX/20. 

I take pride in have a good credit score and keeping my credit report clean and Equifax is violating my rights as a consumer to correct information on my credit report that does not belong to me. Please have them remove it or send me actual proof that these accounts belong on my report. 

Thank you, XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 
I have not provided written consent to report nonpublic information to third parties. 

Consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX via third party reporting agencies who have no lawful standing for violating my rights to privacy.
Product: Checking or savings account

all banks in XXXX, md are open 9-5 except bank of america. They choose to open 10-4 They have closed all surrounding branches in the area forcing lines and waits that average between an hour and two hours. They are understaffed, having only 1 full time and 1 part time teller.. This is unacceptable. @ days ago there was a mess up with an account and i had to wait 2.5 hours, taking off from work. I have a safe deposit box at another branch and the key doesnt work, They have to drill it. I was told they will call me in about a month to set up an appointment. I need access sooner. They are doing whatever they want. When you call the branch they dont answer their phones you just get a recording. They need to be sanctioned or shut down this is outrageous
Product: Prepaid card

I received an Amex Gift Card. 

I have attempt to use this on XXXX, XXXX and various online retailers ( less than the face value of the card ) and all transactions have been declined. 

Online, it appears may people have had similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have great credit history. Lexis Nexis computes a insurance score and credit score. The score is inaccurate and they don't disclose the findings or how they calculate. They make a score that costs consumers additional money and expense.
Product: Debt collection

I contacted the company and they agreed that the debt would be removed from my credit report as soon as possible once I have made payment and cleared debt. I was also told I would receive a receipt confirmation by email.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my CFPB Complaints # XXXX, XXXX, and XXXX, I realized that you have closed my complaints last XX/XX/22. I am resubmitting my complaint again today to inform you that the 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}
Product: Checking or savings account

I opened a special XXXX savings account at Capital One XXXX  at 4.35 % interest rate and i was not awarded that rate in my account
Product: Credit reporting or other personal consumer reports

I would like for Trans Union, XXXX, XXXX, and any other company that has my information that Is violating my rights to cease and decease my credit report
Product: Debt collection

To Whom It May Concern, This letter serves as my formal response to your continued attempts to collect an alleged debt that I dispute. As previously requested, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am invoking my rights to request complete validation of this debt. To date, you have failed to provide sufficient evidence that substantiates the debt, its amount, and your legal right to collect it. 

This is my second formal demand for the following documentation : 1. Proof of the debts validity : This includes the original signed agreement or contract bearing my signature.

2. The full accounting of the alleged debt : Including all payments made, credits applied, and any fees or interest charged.

3. Proof of your authority to collect this debt : Including documentation of any assignment, sale, or transfer of this debt from the original creditor.

4. Identification of the original creditor : Including their name, contact information, and verification of the original debt. 

Until such validation is provided, any attempts to collect this debt, report it to credit bureaus, or contact me about this matter are in violation of my rights under the FDCPA. 

Additionally, under 15 U.S.C. 1692c ( c ), I am demanding that you immediately cease and desist all communication with me regarding this alleged debt. Any further communication, outside of the required provision of documentation, will be interpreted as harassment and a direct violation of federal law. I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and other appropriate regulatory bodies. 

Failure to comply with this notice will result in my pursuing all available legal remedies, including but not limited to filing a lawsuit for statutory and punitive damages, as well as attorneys fees and costs. 

Please note that this letter is a good faith effort to resolve this matter amicably. However, it should not be interpreted as acknowledgment of liability or as my consent to be contacted further. 

I look forward to receiving the requested documentation. If you can not provide sufficient validation within 30 days of receipt of this letter, I expect written confirmation that you are ceasing all collection efforts and that this debt will be removed from any credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid membership account with Transunion and I have been unable to file a dispute for the incorrect items on my credit report. 

I've contacted the company twice since XX/XX/2020 and have been told they aren't aware of any issues and that I can place the dispute over the telephone but I won't receive the updates electronically. I want to receive the updates electronically as I travel for work. 

Their website has not accepted electronic disputes for more than a week.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX INQUIRY : AN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I started trying to repair credit XX/XX/XXXX. I have sent all hard inquires in that were not legally obtained. I also had old debt that I was fighting anything on my reports since it was already at that point processed as bad debt to the original creditor. 
I than again sent certified mail to all beauros XX/XX/XXXX a year later for all the same hard inquiries and debts that were still remaining on my account with no legal update after give way more then the 30 days that they have legal rights to update. For both my husband and I. I never received an updated credit report fixing any issue for either of us from any of the 3 credit beauros. I continuously try to reach out via phone and again sent certified mail XX/XX/XXXX. I have reporting s from accounts that are inaccurate that I never signed for from XXXX that are still on my report and now 5 years later are remaining and not even the collector has the original signed documentation of proof. I keep going back over and over trying to have all these hard inquiries removed as well as the debts that are no longer just and no one is even attempting to correct or sent proof of an attemption.
Product: Money transfer, virtual currency, or money service

In XXXX  and XXXX, I inadvertently sent funds to incorrect recipients on the platform Zelle. When I attempted to retrieve the money from my bank, I was informed that the transaction could not be recovered. Prior to sending the funds, I did not receive any warnings indicating that transactions sent to the wrong parties would be unrecoverable
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TARGET/TD XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit and found these accounts on my report I called each company and was told they would remove the accounts. After questioning some of the company some of them sold the account instead of giving me the information I requested. I have file FTC REPORTS sent letters contacted the credit bureau and nothing has been done. THEY REPORT BACK TO THE CREDIT THAT THEY HAVE SENT INFORMATION TO ME BUT HAS NOT. So i open an account with the XXXX to log all mail that comes into the post office with my name and address and these records can no be removed by me or no one else so i have prove that nothing was ever sent
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of account XXXX  - XXXX on my credit report by the credit bureaus. On XX/XX/2024, I received communication from the credit bureaus stating that the investigation into this account had been concluded, purportedly finding it to be accurately reported. However, upon careful review, it is evident that there are multiple inaccuracies present in the reporting of this account. 

Specifically, the reported date of open, high balance, last activity, last verified, last report, and date of late payment are all incorrect. These inaccuracies call into question the integrity and reliability of the information provided by the credit bureaus. Given the extent of these discrepancies, I firmly believe that grounds exist for the immediate removal of this account from my credit report.

Furthermore, I wish to bring to your attention a violation of my rights under 15 U.S.C. 1681 Section 604 A. According to this statute, a consumer reporting agency is prohibited from furnishing information about an account without the written consent of the consumer. I have not provided written authorization for the inclusion of account XXXX  - XXXX on my credit report. Thus, the inclusion of this account without my consent constitutes a clear violation of federal law. 

In light of the foregoing, I hereby request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. I urge you to take immediate action to rectify the inaccuracies in the reporting of account XXXX  - XXXX and to ensure compliance with all relevant laws and regulations. 

Please acknowledge receipt of this complaint and provide me with information regarding the steps being taken to address this issue. I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit card or prepaid card

On XX/XX/2021 I was notified that a purchase in the amount of {$53.00} was made at XXXX  and XXXX  on my debit card was blocked and requested authorization, which I declined, since I hadn't made any purchase. I than went to check the transactions on my account at the B of A website. There were three unauthorized transactions in the amount 0f XXXX, made at both XXXX  and XXXX  and XXXX. I contacted B of A fraud department and was assured that all transactions had been blocked and that I needn't do anything more. They would cancel my existing card, issue me a new card and remove the transactions I had not made. 
Now, XX/XX/2021, after receiving my new card I noticed that the transactions had never been removed and had been paid despite what I had been told. Further, B of A stated they would have to conduct an investigation that could and probably would take 90 days before they could determine if I am or am not legitimately liable for the charges. 
They also recommended I file a police report, which I have also done today.
Product: Credit reporting or other personal consumer reports

While I was sent on a work assignment stationed in New York in 2023 my personal information was compromised and used to apply for and open multiple lines of credit using my identity without my knowledge or consent. I have reason to believe it may have been my ex husband but have no physical proof. However I have reported this to the XXXX police department and it is under further investigation for identity theft. The theif used my identity to open multiple accounts with XXXX both reporting with same account number but different balance, credit limits and account Status. The also opened accounts with XXXX XXXX bank.
Product: Money transfer, virtual currency, or money service

I made an account with Binance.us, I have transferred my crypto into the account, and then I realized that they will only let me withdraw {$5000.00} worth of my crypto a day. I have {$100000.00}, that means it will take me 20 days to take it all out. My crypto is stuck, i can't trade or do anything with it. I need to take all my crypto out, so I started a support ticket and nobody is responding or helping me. In order to increase my withdrawal limit, they have to approve my address verification, they keep rejecting it because my bank statement has a po box and they don't support it. NOBODY is helping me, I desperately just want my crypto out of there, it's like they are holding it hostage
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an installment account under an open end consumer credit plan as late for XXXX purpose. 

So I want my late payments removed from my credit report. My privacy has been violated and I did not give XXXX XXXX my written consent to share this information on my credit reports