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

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT ED/XXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX ( Original Creditor : AAA ) Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong. 

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

Experian, failed to delete XXXX XXXX Bank account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, Experian is showing XXXX XX/XX/XXXX XXXX and XXXX  is showing ( XX/XX/XXXX ) additional information : all XXXX credit bureaus should report XXXX date of last activity because its coming from 1 Creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls Capital One is reporting a late for XX/XX/20 and I would like to have it removed. Due to everything that has been going on with Covid, I went through a little hardship approaching the end of the year as it was our slow season, and it was slower than anticipated. I had my hours cut dramatically and I was making just enough to meet ends meet. I do my best to pay my dues and have never been late before on this account before and I haven't been late since. I ask that Kohls makes a good will adjustment for the month of XXXX, it would be of great help. I am trying to get my credit where it needs to be and stabilize my life coming out of this pandemic slowly.
Product: Debt collection

There is a negative collection report on my credit for debt that is and was not mine. I was taking to XXXX Hospital as a child. The amount on my credit is for XXXX from Merchants credit, I was a minor child not responsible for this debt. This debt belongs to my parents not myself. I have disputed it and nothing.
Product: Checking or savings account

Last year I had a total of 4 cases of fraud! One being an accident, and the rest out of my control! The accident was an incident reported as fraud when it shouldve been reported as a dispute where a store wrongly charged me. It was never settled since I wasnt able to find the receipt. Thats fine. Another charge of XXXX $ happened when I lost my debit card ( only lost it once! ) I then had to wait a few days to dispute what I had noticed because it HAD TO POST before any dispute! There was an {$80.00} and another charge of a price Im unsure of, from Cash App, where My account was hacked while my debit card was still linked! Sent proof in of that and also how the account was closed. However they decided to disable my debit card for a year! After I was disrespected by NAVY FEDERAL CREDIT UNION. Supervisors have hung up on me, fed me false information, disrespected me, and refused to answer specific questions! Even had a supervisor named XXXX that kept muting my call along with loud children screaming in the background! I have another navy federal member that will be making a report. I was informed by that member that he also once experienced large amounts of fraud! HOWEVER, he NEVER lost his card privileges! Now that is discrimination. I got penalized because someone stole from me, but when it happened to someone else they were taken care of. This is just one of many reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed several disputes to Equifax, XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX due to inaccuracies on my credit reports but they all failed to respond to my request. They didnt investigate nor send me any correspondence via mail.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically XXXX XXXXwhich falls under XXXX as defined by the XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXXAccording to Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a few errors on my credit report which I obtained XX/XX/year> and I need help getting them removed because they are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to Equifax, asking them to correct mistakes on my credit report. They were supposed to respond within thirty days, but I haven't heard back from them.
Product: Credit card or prepaid card

This is the second time Capital One has closed my account because as they stated i have past present or pending legal action. I do not have any pending or present legal issues. I do admit i, am a felon and i paid my dues and did my time as well as my supervised release all with no problems. After the first time they did this and i ignored it but i, am rebuilding my life as an honest and upstanding citizen and a XXXX XXXX XXXX. I, am involved in the entertainment business and have worked diligently to improve my credit which i have done and i have other credit cards and none of them have closed me because of my past record. I called them after i found out they closed my account and they just stated i would get a letter which i now have. I feel this is very prejudicial towards me as i know four other felons who have the Capital one credit card and this has not happened to them. 
I, am seeking your assistance to help rectify this injustice. After all do i not have the right to rebuild my life.
Product: Credit reporting

i was a victim of mortgage fraud my home went into foreclosure but has since been reinstated also there is a account that appears on my credit report stating i owe XXXX on my XXXX chevy mailbu that vehicle was wrote off 4 years ago and i sent experian that complaint paper showing XXXX never responded to the Ohio Attorney General also i have disputed these account more than 4x also im very frustarted that experians credit report is being used in most of my credit denials or my higher interest rated also police reports staing possible identy theft and fraud where also sent to company as part of the dispute process now i am currently trying to refinance and get a home equity line of credit i had been going back and forth to court for 2 years for case now to be closed and i still cant move forward when i have the equity in my home now my credit score it the hold up due the the incorrect payment history amount also the XXXX account stating i owe XXXX should be removed due to XXXX wrongfully writing that vehicle off then tell me i do n't exist
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes online and mailed request to remove inquiries : Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX , XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX CARD Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX , XXXX. 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX
Product: Credit card

This is a continuation of Case number : XXXX. Despite Bank of America being told several times that I do not use a voice telephone due to the pain it causes me to answer it, they called me yesterday regarding the complaint I filed. When they were again told that using the telephone causes pain, they still refused reasonable accommodation of communicating with me via fax, portal, text, or encrypted email, leaving only US Mail with its intrinsic delays. The reasoning that any of these other methods is less secure than communication over a cell phone is laughable and discriminates against XXXX people who do not use voice phones.
Product: Credit reporting or other personal consumer reports

In adherence to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is paramount to ensure that consumer reporting agencies fulfill their obligations with fairness, impartiality, and utmost respect for consumers ' privacy rights. XXXX and XXXX, being consumer reporting agencies, are obligated to adhere to these standards. As a consumer, I emphasize my right to safeguard my private information, as reinforced by 15 USC 6801, which underscores financial institutions ' duty to respect customer privacy. 

Under 15 USC 1681, section 604a ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports with explicit, written consent from the concerned consumer. Neither the financial institution nor XXXX and XXXX have sought my consent to share this information, thus nullifying any implied or assumed consent. Additionally, 15 USC 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this scenario. 

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The account name, XXXX, is being reported without my consent, constituting a violation of the law. 

Considering the aforementioned infringements, and in compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are obligated to maintain accurate information and implement reasonable procedures to prevent violations, duties they are currently neglecting. 

Therefore, in accordance with 12 CFR 1016.7 and my rights as a consumer, I hereby assert my right to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

XXXX deleted this inaccurate account from my reports. Experian and XXXX is also reporting multiple inaccuracies on my reports. Experian is reporting last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. They are both reporting two different last reporting dates. Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. They are both reporting two different last payment dates. Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. 

Furthermore, isn't XXXX the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how are the other two bureaus able to validate this account? 

This account needs to be deleted from my reports now!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my Transunion and XXXX Credit Report and I noticed that both are still showing charge off/ collections from XXXX XXXX Account # XXXX is still posted on my report : Your company XXXX XXXX XXXX and XXXX XXXX XXXX has two violations. XXXX XXXX XXXX has DELETED this account from my credit report. Transunion and XXXX has violated the laws by keeping the account on my credit report, and not providing accuracy. Under 15 USC 1681 Accuracy of Report 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. All three credit agencies are to provide the same information for accuracy. Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE the this account.This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character. 
2. Negligent Enablement of Identity Fraud.

3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 
Best Regards, XXXX XXXX Attachments are enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate and investigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Experian is reporting a {$1000.00} claim from XXXX XXXX XXXX on my credit report without providing a valid account number or any proof of ownership of the account. Despite my efforts to resolve this, XXXX XXXX XXXXXXXX has confirmed that they can not locate or verify any account under my name matching this report. 

I once again I repeat called XXXX XXXX XXXXXXXX themselves I said why are you reporting this they said we cant find that account under your name you HAVE TO CONTACT the credit bureaus to have it removed. 

Additionally, this account is being reported by Experian, ONLY further demonstrating its unverifiable and fraudulent nature. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681b : Experian is required to ensure that all information included in a credit report is accurate, complete, and serves a lawful purpose. Reporting an unverifiable account with no proof of ownership violates this standard. 
15 U.S.C. 1681e ( b ) : Experian has a legal obligation to follow reasonable procedures to ensure maximum possible accuracy in credit reporting. The absence of an account number and inconsistency across credit bureaus highlights their failure to comply. 
This false and unverifiable reporting has caused significant harm to my financial reputation, and Experians failure to act responsibly demonstrates gross negligence. I am requesting that the CFPB investigate this matter, compel Experian to delete the fraudulent account from my credit report, and ensure compliance with federal law.
Product: Student loan

Did not inquire any information to this student loan company and they put Hard Inquires on my credit report. this is causing my credit score to drop significantly and making things harder for my family.
Product: Money transfer, virtual currency, or money service

XX/XX/year> an I discovered an unauthorized charge to my XXXX XXXX XXXXXXXX account was made by a company called ria financial for checking account ending in XXXX this company was doing buissness with fraudulent companies based throughout the world based in XXXX and XXXX XXXX I did not know of RIA financial until after this transaction occurred. I suspect someone intercepted my personal confidential information.. Please help me fight Ria financial and XXXX XXXX XXXX charge for XXXX they are not going to fight for me. I PUT in 2 claims both got denied. Needless to say i am very XXXX! inclosed is the only email I got from ria financial stating a transaction was cancelled. I was not aware of this email until I did a search for RIA in my XXXX account
Product: Debt collection

In XXXX of 2018 XXXX XXXX  posted a notice of XXXX hours to vacate on my door. I complied with their written request and left the unit spotless after hiring a maid service to clean. They have said I left my lease & have posted on my credit the cost for the remainder of the lease. What they did was illegal & this debt is not valid. I was never late with payment- it was retaliatory for complaining about their property & XXXX XXXX being sold out of it by the neighbors.
Product: Credit reporting or other personal consumer reports

Disclosing nonpublic personal information to affiliates and nonaffiliated third parties must be done in accordance with Section 6802 of Title 15 of the United States Code. This section pertains to the privacy of consumer financial information and sets forth requirements for the protection of nonpublic personal information. 

Section 6802 outlines that a financial institution must provide notice to consumers about its privacy policies and practices. It requires the institution to disclose the categories of nonpublic personal information that it collects and shares. Additionally, the section establishes the conditions under which a financial institution may disclose nonpublic personal information to both affiliates and nonaffiliated third parties. 
A consumer reporting agency shall not furnish, for employment purposes or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless certain conditions are met. The limitations on the disclosure of medical information are outlined in the Fair Credit Reporting Act ( FCRA ), specifically in section 604 ( g ) of Title 15 of the United States Code. The relevant part of the provision states : " A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( 1 ) the consumer grants express consent as required by section 1681b of this title; and ( 2 ) the medical information is relevant to the employment, credit, or insurance transaction. '' In summary, a consumer reporting agency is prohibited from providing consumer reports containing medical information for employment, credit, or insurance purposes unless the consumer has given explicit consent, and the medical information is relevant to the specific transaction. This provision is designed to protect the privacy of consumers ' medical information in certain contexts governed by the FCRA. 
It's important for financial institutions to follow these guidelines to safeguard the privacy of consumer financial information and maintain transparency in their practices. 

I am writing to follow up on my previous request to have certain information removed from my credit report. I submitted this request on XXXX and as of today, I have not received any response or confirmation regarding the status of my request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX