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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Same account was Re-inserted. Comments inaccurate. This ground for removal they also violated my rights under I WANT THE FOLLOWING ACCOUNTS ON ALL 3 BUREAUS DELETED OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

MIDLAND FUNDING LLC, HAS CONTINUED TO VIOLATE MY RIGHTS BY THEIR CONTINUING TO CALL ME EVERYDAY WITHOUT RESPONDING TO ANY OF MY REQUESTS FOR VALIDATION. I JUST RECEIVED A CALL FR OM ONE OF THEI R AGENTS STATING THAT " THEY ARE GOING TO FILE A COURT CASE AGAINST ME.   THIS IS NOT MY DEBT!
Product: Credit card or prepaid card

In XXXX of 2019 American Express chose to cancel my AMEX Platinum credit card. In the same month, the company chose to charge its annual {$550.00} membership fee to my account. This amount shows up on my credit report as past due. Annual is defined by one year in the English Dictionary which is defined by 365 days also in the English dictionary. If they canceled this card without my permission, then I am no longer an annual member ( as described by this fee ). As far as I am concerned, American Express does not have anything in writing that states that it has the right to collect a membership fee after they decide to cancel a card member 's membership. What is the point of the annual membership fee if I can not hold this membership for the 12 month period ( as defined by the word annual )? Either American Express can prorate this fee so I that I can pay for the months of 2019 that I was a member and had a valid working card ( defined by a card that is not canceled ) or the company refunds the fee entirely.

Unless American Express can provide proof of a written policy, that it has the right to charge card holders this fee even IF it chooses to cancel their Amex cards, then they need to refund me or anyone else in this position immediately. 

Thank you
Product: Credit reporting or other personal consumer reports

as per The Guidance from the consumer financial protection bureau CFPB the document needed, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to trafficking debt final rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ) I kindly request that you blocked this information from my credit report with them within 4 business days pursuant to section 605C of fair credit reporting at I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked an deleted company information Transunion. please delete the following accounts. XXXX XXXX XXXX XXXX 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 accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to obtain my credit report from XXXX since XX/XX/2022. 
I received a letter from XXXX dated XXXX XXXX, 2022 requesting further hard copies of ID, which I provided and sent out XXXX XXXX, 2022. I have never received my credit report. Today I tried applying again online at XXXX three times receiving error messages saying, " We're experiencing issues processing your request. '' Here is the link : XXXX XXXX XXXX XXXX XXXX  Furthermore, I called the XXXX help number ( s ) literally 10 times today and was unable to speak to an agent. The numbers I called were : XXXX XXXX XXXX It was a rambling, circular mess of automated questions that led nowhere until the service eventually just hangs up on you. 

I've had virtually identical experiences with TransUnion and XXXX. 
This is outrageous.
Product: Checking or savings account

Upon learning of a fraudulent account opened under my name, I contacted Wells Fargo multiple times. In person at a branch and over the phone and Wells Fargo continues to allow fraudulent activity! 
I have filed paperwork with Wells Fargo I have filed paperwork with credit bureaus and police departments. 

There is an internal worker of Wells Fargo that is assisting with the fraud under my name. Not only have they continued to contact me but my information in system has been changed also!
Product: Student loan

I obtained a private student loan from XXXXXXXX XXXX, which was later sold to Firstmarc Services without my knowledge. Unfortunately, there was a mishandling of paperwork during the transfer process, resulting in Firstmarc Services initiating the repayment schedule before my graduation, contrary to the original terms of the loan. Consequently, my case was forwarded to a debt collector who incessantly contacts me. Despite numerous attemptsmore than XXXXto resolve this matter with Firstmarc Services, they have been unable to rectify the situation, acknowledging their error in starting repayment prematurely. However, their customer service is notoriously difficult to reach and provides no actionable solutions. As a result of this ordeal, my credit report now reflects delinquency, tarnishing a previously excellent credit score. I find myself without a clear path forward to resolve the loan issue and restore my credit standing.
Product: Money transfer, virtual currency, or money service

email phishing was able to access through my phone and was able to access my bank ( Bank of America ) appXXXX  and a XXXX XXXX XXXX transactions : $ XXXX XXXX with phone # XXXX XXXX XXXX with the confirmation : XXXX $ XXXX XXXX with phone # XXXX XXXX XXXX with the confirmation : XXXXXXXX XXXX XXXX  Transaction : XXXX {$1000.00} with identifier : XXXX i need help an email corfirming i have been mail phished by this unauthorized transactions my email is XXXX email directly connected to the email phishing is XXXX XXXX XXXX i have submitted a fraud claim to the bank of america and the first step was freezing my account, we were able to freeze my account and processed my claim a week later came by and an email regarding the fraud claim was denied i called them again and submitted another fraud claim which they suggested into getting my email check by the source about the fraud, going to XXXX and checking XXXX about my hacked email. 

ive tried reaching out to XXXX about my XXXX and reporting all these emails as phishing and hacking my phone now i will try to reach out to XXXX about my phone being hacked, and XXXX about my phone number being used in the transactions which were connected to XXXX  and XXXX XXXX, i am so confused as to how XXXX  wasnt able to trace up the location on where the money was sent or atleast the IP address of the receipeint which would be able to confirm about the fraud activity.
Product: Debt collection

This agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. I have made several attempts to fix these issues directly with them and they continue to violate my rights. I am entitled to {$1000.00} for every violation listed. They must pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 89 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found XXXX hard inquiries on my credit reports from Microbilt.com that were NOT AUTHORIZED - I contacted their compliance dept, they told me that both inquiries were done by XXXX XXXX in XXXX, FL - I DO NOT know this company, I have no dealings with this company.
<P/>
Microbilt gave me a phone number to contact XXXX XXXX at XXXX but it goes to a cell phone voice mail. I have left messages but have not heard back from them.
<P/>
I filed a dispute via mail with Microbilt to remove these unauthorized hard inquiries but no response yet. I do not want a company like Microbilt to have my credit information or allow companies like XXXX XXXX to access my credit reports WITHOUT MY APPROVAL.
<P/>
This is an invasion of my privacy - how do we block Microbilt and XXXX XXXX from these fraudulent activities??
Product: Credit card or prepaid card

I have been a customer and Lowe 's credit card account holder since  XXXX  of  2005 . As a homeowner having and maintaining this account is almost a necessity. Over the past 12 years I have managed the account responsibly. Recently, due to incid ents ( errors ) to no fault of my own, my credit score was negatively impacted. The first incident involved my mortgage company incorrectly reporting payments, this incident was corrected and the company apologized. The letter is included for your reference. Unfortunately, around this same time, I had my smartphone stolen from a gym bag and as a result someone attempted to compromise my  identity. Despite both situations being fully remediated I am still feeling the impact from it because of what unknowing creditors are doing based on their due diligence processes. Rece ntly my Lowe 's credit account credit limit was reduced from {$8300.00} to {$3100.00}. This is caus ing further direct damage to the creditworthiness of my family and jeopardizes many plans that we have for college for our children and life in general. Credit utilization impacts your score so now it appear we have a " maxed out '' account. This has happened to other credit accounts closer to the initial happenings that caused the damage so I thought I was in the clear. But when this happens it is usually followed by a domino effect of other creditors doing the same thing. Also, to compound things I have had extreme difficulty logging in to the Lowe 's Credit website lately. I have had the same login information for quite a while but often the picture token i s not recognized and the answers to the security questions are not formatted correctly it appears.
Product: Checking or savings account

On XX/XX/XXXX I received an email to open both a Checking and Savings account with Chase Bank. I would receive a {$200.00} bonus if I opened a checking account and set up direct deposits, a {$200.00} bonus if I opened a savings account and kept {$15000.00} in there for at least 90 days, and a {$100.00} bonus if I completed both. As long as I used the coupon code provided in the email, I would qualify for the bonuses. 

I then opened my checking account on XX/XX/XXXX using the coupon code provided and it then prompted me to open the savings account. I populated the savings account on XX/XX/XXXX with {$15000.00} and then set up direct deposits to start XX/XX/XXXX. I received the {$200.00} checking bonus on XX/XX/XXXX. 

I waited until XX/XX/XXXX which was 90 days after I populated the account for the additional {$300.00} bonus ( {$200.00} for the savings and the {$100.00} bonus ). according to the email, it could take up to 10 business days for the money to hit my account. 

On XX/XX/XXXX when the money hadnt hit, I called Chase customer service. They told me that I had not applied the coupon code for the savings account so I was only eligible for the checking account bonus. They also said if I had noticed within 21 days of opening the account they could have helped me but it was now too late to do anything. 

I find this to be extremely predatorial banking. I followed their processes to a tee and completed everything they asked of me and they refuse to give me my bonus because I somehow didn't apply the coupon code to the savings account opening. To be clear, I thought it had applied because it applied to the checking and then prompted me to open a savings account
Product: Credit reporting or other personal consumer reports

I HAVE BEEN UNABLE TO GET MY REPORT FOR MONTHS NOW. PLEASE TO SEE ATTACHMENT AND UPDATE MY ADDRESS. IT IS UNLAWFUL TO REPORT AN ADDRESS THAT MY MAILS ARE NOT DELIVERABLE AT XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I've reached out to the bureaus XXXX on XX/XX/year> trying to update my information because it was some fake SSN and fake names on my report along with addresses XXXX refuse to correct my information. on XX/XX/XXXX I sent certified mail to the company and bureau pertaining to the alleged accounts in the amount of {$1200.00} and an account that the original balance was {$8300.00} but has been written off and sold for {$7900.00} I then asked for their right of ownership, the original contract the validity of the debt. and I received no information after 30 days. I had to call in they stated they sent it to email, and I searched and never found it. I requested that all results be sent to me through mail. In the letter I also included a copy of my credit report with the inaccuracies highlighted and stated that according to the FCRA that their job is to report 100 % accuracy & 1692g they're suppose to provide the information requested for the validity and they just sent it back as verified with no removal or updated information which violated the federal law. Also spoke with a representative on XX/XX/XXXX I want to say, he stated that he seen the inaccuracies I mention as we discussed it verbatim on the call and stated he can submit another dispute for me on their end. I asked him " so if you see the inaccuracies then why are y'all willing reporting it to my credit ''. He then stated " well it falls of in XXXX anyways ''. So, to know they are willingly and purposefully reporting that damage on my credit & defaming my character. Also prevented me from being able to buy my house and obtain funding.
Product: Credit reporting or other personal consumer reports

Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-Off. 
XXXX XXXX ( {$1600.00} ) XXXX AND EQUIFAX I am formally disputing and requesting the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency from my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, or any lines of credit. 
It is critical to highlight that I have never entered into any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7, along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Debt collection

Notification of any unpaid balances was never conducted upon conclusion of the lease. XXXX XXXX XXXX did not contact us by phone or email. All lease and utilities were paid in full before turn over. It was over a year later that a third party sent notification of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. XXXX DID REMOVE ALL UNAUTHORIZED INQUIRES AND EXPERIAN NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES In accordance with the fair credit reporting act XXXX  account # XXXX was paid in full Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization