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

On XX/XX/year>, I had previously disputed the XXXX XXXX, loan for {$240.00} with regards to it being fraudulent and providing an FTC identity theft report and all of my identifying information to prove that I did not open the account. Since then, I have disputed this account continuously, and they have failed to remove it, only changing it to paid for less when I never made a payment or settled it. This account is fraudulent and SHOULD NOT BE REPORTED on my credit report. 
Despite multiple written requests, the unverified items listed below remain on my consumer report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 


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

Accounts are remaining on my report as being verified without proof of verification. 
An FTC report has been sent to remove accounts within 4 business days. Accounts have not been removed due Transition own internal reasons that was not disclose to me of what the internal reason were. Also the XXXX account has been verified as a fraudulent account and documentation was submitted to Transunion on XXXX XXXX. This information was totally ignored by Transunion. The investigation has been completed and does not need to be dithered looked into. Account should be removed immediately. I will be moving forward with a lawsuit with credit bureaus for stress damages and defamation of character.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit card or prepaid card

In XXXX 2017 American Express did not explain policies with green card ... only being told there is no " credit limit '' ..when I asked the representative what would be my monthly charge? The representative said you only have to pay off what you spend..I then asked what if I 'm unable to pay it in full, will I be able to pay it monthly? The representative responded yes! You will only be charged {$27.00} late fee. I also asked will I be hounded? Will this effect my credit? The representative stated " only if you make absolutely no payments, which will have to happen constantly! " .... will in XX/XX/XXXX is was brought to my attention by repreated harassing phone calls stating I need to pay it all now!!! I would receive approximately 3calls a day. I finally spoke with a supervisor, after being told by a rude respresative " just pay your bill '', the supervisor apologized for being misinformed. He also assured that I would not have any issues moving forward. Within the same week both my American Express green card/ and regular American Express card were suspended ... I called to speak with another representative explained that both of your accounts are suspended due to none payment ... which was untrue ... paying over {$900.00} to both cards within a 2 month period. Also being charged late fees ... I requested to speak with someone in corporate ( with no call back to my several complaints and concerns ). Which has now resulted in a derogatory mark on my credit report!! Also to able to reactive my card I must pay {$780.00}, only {$410.00} is due ... my other card which has been paid nothing due
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an incorrect address as a new addressor usps on my credit report by my XXXX XXXX on XX/XX/2023 and I received another message for the same thing Sunday XX/XX/XXXX. 
I've been dealing with stolen identity since XX/XX/XXXX when my wallet was stolen. 
fraudulent address on may credit report is XXXX XXXX XXXX XXXX XXXX XXXX 
the license plate of suspected perp is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have automatic payments to my Bank of America credit card. The amount of payment ( {$75.00} ) more than covered the minimum. When I changed the monthly payment to {$270.00} it did not change. The new minimum amount increased but the {$75.00} was still being debited. This caused a 30 day late because it didn't cover the entire amount, I was told by a customer service agent that this change could take up to 60 days to go into effect. I did not know this. 

I have been refunded the late charges but told the agent that my concern was not the late fees but the serious ding to my credit report. They told me that it was nothing they would do. 

Bank of America has refused to change the 30 day late. I do consider that this is a lack of good faith to a customer that has an excellent payment record. I did not know that it would take 60 days to change my payment amount, which is unbelievable. 

This issue has caused me extreme stress. My credit score went from XXXX to XXXX. I am asking Bank of America to remove the 30 day late and restore my credit line. 

My case # XXXX. I response was that there was not an error on their part so they were not removing. The error was me not knowing it take 60 days to change a payment amount.
Product: Debt collection

Someone committed fraud identity and got a loan using my information and its affecting my credit report Date:XX/XX/24 Amount : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Credit reporting

I have a collection on my Experian Credit report from XXXX XXXX XXXX XXXX, from XXXX XXXX XXXX from XX/XX/XXXX. This account appeared on my credit report in XX/XX/XXXX. I disputed it and it came back verified. So I called the company and spoke with someone named XXXX, I explained to her that I never had Progressive Auto before, she checked my file and stated her self that they did n't even have my date of birth on file, she then stated she was going to get in touch with Progressive and send me what they have on file for me. I received XXXX because there was nothing to send. I called EXPERIAN AND I asked them how are they verifying the information without any proof. They told me that they only send the dispute off and the collection agency either verifies or update, so I basically asked her so they are n't sending any proof just hitting verify and you all do not bother for them to send any proof. That is NOT how the FCRA works. Both companies are not following the guidelines of the FCRA. This account is not mines, no one is submitting proof, I do n't have a letter or anything and they just slapped it on my credit report. I am being going in circles trying to get this taken care of. EXPERIAN does n't care and XXXX just threw something on my credit report with validating or verifying or did not send me anything in the mail, and XXXX admitted not having my date of birth on file. Please help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items 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 update these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a letter from Dept. Of Justice that shows i was the victim of identify theft. I will list the companies below and ask to have all removed immediately. I have also attached the letter from the Dept. Of Justice. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to establish a " pay day '' cash advance loan with XXXX XXXX without his consent. A formal dispute of this loan with a police report and FTC affidavit was provided to Amplify XX/XX/2018. On XX/XX/2018 at XXXX XXXX EDT my client received an email notification from XXXX requesting payment be made on this fraudulent account. This communication of payment by XXXX is a violation of two federal consumer laws. XXXX is in violation of the FCRA and the FDCPA by continuing to attempt to collect payment on a known fraudulent debt after receiving all documents required under law to conduct a full investigation of known fraud.
Product: Debt collection

XXXX SOUTH DAKOTA N. was placed on my credit report XX/XX/2018 Erroneous reporting, violation of FCRA, FDCPA and failure to validate account before reporting to credit bureaus. This is a violation of my rights under the FCRA, and the violation of their requirements under the FDCPA because they still are reporting this account WITHOUT validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Due to the breach of my privacy, I am requesting the following items be deleted Immediately. 

Transunion EMPLOYER : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I am writing because I have probable cause to believe that I am a victim of identity theft because I have pulled copies of my credit report on Equifax, in XXXX XXXX XXXX  and have found unauthorized accounts removed from my credit report. 

According to consumer law, 15 USC 1681B, all unverified information reporting must be removed.

In addition, I'd also like to mention consumer law, 15 USC 1681b ( 2 ), which states that any negative item that a company reports without my written consent is considered identity theft. 
These inquires do not have permissible purpose to have been furnished on my credit report. 
The inquiries that are in violation of these laws have been listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have also attached my FTC report below.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXXdischarged Reference # : XXXX ; Bankruptcy : Discharged XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for XXXX  the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Debt collection

I Try to contact this company regarding a hard inquiry that was place on my credit report never have I ever apply for anything with this company so Ill ask to please remove this inquiry up on arrival of this letter thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a balance on my Credit Report from XXXX XXXX. I disputed these charges, they state on Credit report Charged Off as bad debt ; Dispute resolved ; reported to grantor. Closed XX/XX/2018. It still remains on my report where it is being marked.
Product: Credit card or prepaid card

I have tried several attempts to get the XXXX XXXX XXXX to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to know and understand how their unfair practices affect my daily life. Many companies use unfair and illegal tactics to deny you your rights by law to obtain bank accounts and credit. I have not been able to obtain credit for anything, not even secured due to their unlawful and discriminatory practices. 

15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. XXXX is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

XXXX XXXX XXXX I have become homeless and not able to obtain a new home for me and my children as a result of consumer information bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the consumer information bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my credit report doesnt belong to me. Ive never did business or sign a contract with National Credit System or XXXX XXXX. I was a college student who live on campus. I never lived in an apartment or signed a lease. Someone stole my identity. XXXX XXXX XXXX is also a result of identity theft!! Ive reached out to bout companies. I wasnt even old enough to get an appointment and Ive never had XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When  Costco  made the change fro m Amex to Visa,      Citibank issued me a new credit card. I am also a citibank banking customer. I never used my new credit card, except as a costco membership card, I have other visas that I prefer using. T he card was also never added to my online account.     After roughly 9 month s, Citi close d the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX  's  credit score m onitoring service, if it had not been for this  Citi would still never have informed me of the charge. I started calling Citi to figure out which account had a notice of delinquency, and when they identified the Costco account, I did n't understand, never having spent money on it. It turned out that I was charged the Costco membership fee ( automatically )  on that card, and was never told about it. By that point my payment was about 6 months late and had an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that citi dealt with this situation poorly.     However, this event has turned out to have a profound impact on my  credit score.  The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  Citi has been impossible and they say nothing can be done now. They actually made the claim that since Citi has NEVER misreported credit data, they do n't have a way t o rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX ha

s violat ed my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a acco unt without my wr
itten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, MACYS/DSNB add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.