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

Per 15 USC 1681e ( b ) - Accuracy of Report, credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Experian, XXXX, and XXXX have CONSISTENTLY, PERSISTENTLY, and NEGLIGENTLY violate my federally protected rights under this code and violate my rights under FDCPA, FCRA, UDAAP, and the state of California 's consumer protection laws by FAILING to provide MAXIMUM ACCURACY on my consumer credit report AND credit file. Since XXXX and more aggressively since XXXX, I have been fighting for my rights to ensure that BOTH my consumer credit report and credit file reflect the maximum accuracy with Experian, XXXX, and XXXX. To date, BOTH my consumer credit report AND credit file remain INACCURATE. The following information is INACCURATE specific to the addresses listed in my consumer credit report with Experian and must be removed immediately : INACCURATE ADDRESS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 
Experian is the ONLY credit reporting agency that STILL lists these addresses on my consumer credit report. Thus these addresses MUST be REMOVED to assure maximum accuracy per 15 USC 1681e ( b ).

Per 15 USC 1681e ( b ), the following accounts remain INACCURATE as to the " balance ( XXXX ) '' across all XXXX consumer credit agencies : XXXX XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX XXXX XXXX ( inaccurate balance ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX ( Inaccurate balance ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX ( inaccurate balance and/or missing the cents XXXX XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) Experian, XXXX and XXXX MUST ensure " maximum accuracy '' and if they can not, the accounts must be DELETED/REMOVED. 

Due to Experian, XXXX, and XXXX 's FAILURE to provide ACCURATE consumer credit reports on my behalf, I have suffered damages by being refused credit BOTH personal consumer credit AND business credit. This has caused me GREAT FINANCIAL HARM as I am unable to obtain personal credit to help improve my quality of life and this has prevented me from obtaining business credit causing my business to remain without the credit needed to fund and successfully start my business. Thus, my livelihood has been negatively impacted and I am unable to obtain the credit needed to make payroll and cover operation expenses for my business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SSN # XXXX DOB XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you Experian Credit Reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX Business days of you receiving this complaint. This fraudulent inaccurate, and false information These fraudulent accounts consist of mobile service account XXXX XXXX XXXXXXXX under the account number XXXX opened XX/XX/XXXX, a personal credit card XXXX XXXX XXXX XXXX  opened XX/XX/XXXX under the account number XXXX, an Auto loan account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX under account number XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX  under account XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX UNDER ACCOUT XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my Experian credit report. Ive attached a list of the hard inquiries in question as well as a copy of the Experian credit report maintained by you which shows the aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on Experian report were not opened, made or initiated by me. 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 Case # XXXX proof from the US federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have applied for citibank 3 times in the past year, 2 times an account was opened. Last year and this year. 
The first time was XX/XX/XXXX, but before opening the account had major issues verifying identity. 
I solely blamed the company for fault as repeatedly I had asked them to do a security call. And answered the call each time with the line going dead or no response heard. Any voicemail left was unintelligible. 
So next step was this security code via mail. One of which was never received, there security team had stopped giving any information without this " code '' and hung up every single call. 
I couldn't even verify when this alleged code was sent out. 
I finally received it almost 3 months later! 
Appalling to say the least, then after all the hassle, my debit card never arrived, more delays. Someone had entered my address wrong... go figure. 
So I get my debit card more than XXXX weeks later, I activate it and set up online banking. 
Less than XXXX later I'm locked out of my account and guess what the account was closed, I was informed I'd get a letter, I waited over 1 month and got no letter. Funny during this time all my welcome kit and other letters arrived but nothing relevant! Security team were useless, called repeatedly wanting answers and refused to talk to me further and hung up rudely. 

Fast forward to XX/XX/XXXX. Via phone I apply for a citi priority checking account and savings, after successfully identifying myself, they opened the account but couldn't send a 1 time pass code to my phone and said once I receive my welcome kit in the mail, to call back in once I had my card details. 
Welcomed me back to citi. Nothing received as of XX/XX/XXXX, however I get a XXXX statement XX/XX/XXXX that is dated for XXXX and the account is closed. Again received no debit card, email, phonecall any mail correpspndance or anything. Just one measley statement Citibank have opened accounts these accounts made an inquiry on my consumer report. And it shows my name and not sent ANY communication or correpsondance and closed them without reason and it's almost 1 month post opening and none of which the banker I spoke with on XX/XX/XXXX had turned up in the mail. 

At this point I believe I am being targeted and profiled because this is the 2nd time the same exact process happened where mysteriously I have no correpsondance or communication again and didn't even get a chance to deposit funds in the account or do anything! 
It's utter garbage.
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable stress. I emphasize that I never authorized this information 's association with my name, as I've been a victim of identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

I did a balance transfer from XXXX XXXX to PNC and theyre refusing to accept the payment. When I contacted them XX/XX/25 thats what they told me. They said because it was an Overdraft Line of Credit this was not allowed. My Statements all say Personal Line of Credit, my line is $ XXXX. I can write checks directly from the line to anywhere, I can do advances online to my other accounts, no matter how they are referring to it. I think its unfair they will not let another XXXX pay it off. My feelings are that they just dont want to lose the interest they are earning. Anyone or any XXXX  should be able to make payments on my behalf. If a check wouldve been mailed cs electronically they would have processed it. This all makes no sense to me. I know they dont allow to do that with another PNC XXXX XXXX but its not. I worked for them and their predecessor for XXXX  years and had never previously heard that. XXXX XXXX XXXX XXXX XXXX XXXXXXXX and this isnt right. Thanks for listening!
Product: Debt collection

To Whom it May Concern : On or around XX/XX/XXXX a cashier 's check in the amount of {$12000.00} was mailed to Credit Acceptance to pay off an auto loan. I have made several attempts to the company requesting inaccurate data be removed from my credit profile. As of XX/XX/XXXX this account is currently on my credit file and is being reported as late and also impacting my credit file negatively. The account has been paid in its entirety. The company has violated federal law listed below. 

Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 

I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within XXXX ( XXXX ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, AZ XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Dear Experian Dispute Department, I am writing to formally dispute several inaccuracies on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to ensure maximum possible accuracy of the information included in consumer reports and promptly investigate disputes. 

Despite multiple attempts on my part to have these inaccuracies corrected, the following accounts on my credit report remain incorrect and unresolved : 1. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX 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 Each of these accounts contains inaccurate or incomplete information. I demand that Experian correct or remove these entries to ensure my credit report is fair, accurate, and substantiated as required by federal law. 

Failure to address these inaccuracies within the legally mandated timeframe will leave me no choice but to pursue monetary damages for each inaccurate account that remains on my report. 

Please send me written confirmation when these corrections are completed, along with an updated copy of my credit report. 

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

i have no supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX  ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for the defamation of character ) XXXXXXXX  balance {$27000.00}, XXXX XXXX XXXX  balance {$1400.00}
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible. 

Please see attached, Inquiries - TRANSUNION - INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The accounts I am disputing are problematic and need to be reinvestigated. It is your legal duty to address any disputes submitted by consumers. The furnisher has not provided proof of the accounts accuracy. Since the collector did not conduct the required investigation, this account should no longer appear on my credit report.
Product: Credit reporting or other personal consumer reports

The Department of Education Nelnet has released my records to all three reporting agencies illegally under the Family Educational Rights and Privacy Act. 

FERPA is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

20 U.S.C. 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

I DID NOT GIVE THE DEPT OF NELNET WRITTEN PERMISSION TO RELEASE MY MEDICAL RECORDS and The three consumer reporting agencies XXXX, XXXX AND XXXX are not listed as an condition to FERPA. 

They are clearly in violation of the law and their illegal reporting has caused me to be denied a mortgage loan, damage my reputation, my character and my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to correct payment history ( s ) for accounts included in Bankruptcy and XXXX. These accounts are still showing a negative payment history when they should not. 
Transunion refuses to correct the payment history ( s ) for all XXXX accounts ~ payment was NOT MISSED XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. Equifax keep furnishing alleged transaction ( s ) on my account XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX  that Equifax identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.
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 : XXXXXXXX XXXX XXXX- Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXXXXXX XXXX.- Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX Account name : Department of Education.- Account # XXXX Account name : XXXX.- Account # XXXX Account name : XXXX  XXXX. 
Account name : XXXX XXXX Account name : XXXX XXXX  Has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681. 

And according to 15 USC 1681 they are supposed to do this. Treatment of inaccurate or unverifiable information. 

In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file for the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, And according to 15 USC 1681 they are supposed to 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.