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

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Listed below are the Accounts that are being challenged : XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXXXXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX  ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX  ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX major credit bureaus : XXXX XXXX, Equifax, and XXXX. 
My legal name is XXXX XXXX, XXXX. I have submitted requests for confirming name from State Driver License, and Social Security Card confirming number. 
They are still refusing to carry my report as XXXX XXXX, XXXX. 
Most of the accounts on the reports, totals are incorrect as I have paid recent debts credit cards or personal loans over XXXX, and several account balances are wrong. 
The XXXX scoring methods are based on incorrect data and negatively affecting my ability to rent or Rent to Own, or Purchase a home or to get moved. 
I sold my home on XX/XX/2022 and immediately began paying off debt, yet most accounts are not being reported correctly. This is negatively affecting my Debt to Income Ratio which is extremely important to underwriters in the loan process. 
I am still living in the home sold, but paying market rent, which is currently exorbitant compared to my income as a Retired Single man. 
All XXXX are currently FROZEN until I can begin the process to correct all XXXX reports. 
When should I begin to remove these Freezes so, the corrections can be completed??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing thsi complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. 

I I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account opened XX/XX/XXXX and XX/XX/XXXX, has violated My rights 15 USC 1681 Failure to report complete and accurate information. In XXXX XXXX Equifax XXXX all reported that I had a past due balance on a charged off account which is incomplete and in accurate and in violation of 15 usc 1681. Both. XXXX and Equifax show payment history mean while XXXX shows no history which is also inaccurate and complete which is in violation of 15 usc 1681
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning XXXX XXXX will be liable to me for statutory damages for XXXX XXXX misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) )
Product: Debt collection

I ( XXXX XXXX XXXX enter into a consumer credit transaction with CNAC-XXXX on XXXX XXXX XXXX. A consumer credit transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is a sum of all charges. A consumer credit transaction because I know the finance charge the sum of all charges I was not expecting a bill. XXXX-MD102 sent a bill which is a violation 15 USC 1692b. I have attached a copy of License. I have sent you by mail my affidavit and invoice.
Product: Credit reporting or other personal consumer reports

I pulled my credit profile and there is incorrect personal information being reported. Please remove these names and addresses that do not belong to me and names that are not me. 
I have tried to get this information corrected but the Experian will not remove them and by law only accurate information should be listed on my credit profile. These are errors and need to be corrected and removed immediately. 
There should only be XXXX name being reported on my credit profile XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I have been harassed by NCR to pay a debt I dispute. They continually call me to tell me that I will be served for this debt. I finally convinced them to follow the protocols and get a copy of the debt from XXXX XXXX. 

In the contract, there is a arbitration clause if there are issues with the debt. That clause was never enacted and the debt was sent to NCR. I want to dispute the debt and even when I received the requested documentation today, I am receiving calls from their representative XXXX XXXX XXXX ) to resolve the matter or be threatened again with service at my job or home.
Product: Credit reporting or other personal consumer reports

They are still showing delinquent reportings for XXXX, XXXX  XXXX, and XXXX XXXX, and all of these delinquencies were related to fraud claims that I was actually cleared on. I have also approached the companies. Also there are several inquiries that are unauthorized that I've also mentioned in previous reports that show up under TransUnion. All of the inquiries that are not related to existing credit cards or accounts or unauthorized. Okay
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX  Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

I have been working with Bank of New York for mortgage assistance and have been getting the run around. I have been supplying all the documents they request and once I supply those documents they keep asking for more and more and more. My single point of contact XXXX XXXX has been on vacation since the XXXX of XXXX and not returning until the XXXX of XXXX and when I leave messages for her manager I never get any returned calls. No one is properly reviewing my file nor concerned about my upcoming foreclosure in 2 days. I feel I have no one to talk to regarding my case and am being transferred around the loop and not being review properly nor fairly.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXI wrote discover bank the following letter Dear discover bank I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose. 
I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented. You may send this confirmation to the address listed above. To which they disregarded my rights and are continuing to share and report my non nonpublic information. 
Furthermore 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a 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 transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # : XXXX XXXX  : Account # : XXXX XXXX XXXX  XXXX : Account # XXXX XXXX : Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : Account # XXXX In accordance with the Fair Credit Repair act Convergent Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about XXXX failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within XXXX  days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : XXXX - XXXX - {$760.00} XXXX OF XXXX - XXXX - {$3400.00} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Debt collection

I have already reported it on several occasions to credit companies. Even with the times that I have submitted it, the company insists on collecting a debt that is not mine, I do not recognize it. I can not submit any evidence because I never had any document to accept that it is mine. That is why I request that it be canceled since it is affecting my credit report. Thanks
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account on my record, despite my fifth attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX is reporting to all 3 agencies that in XX/XX/XXXX & in XX/XX/XXXX there is " no data available '' although I paid both months on-time and in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation offederal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissons experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. ( FCRA ), 15 U.S.C 1681i The accounts are as followed Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$430.00} written off. 

Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$430.00} past due as of XX/XX/XXXX. 

Account name XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$730.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$680.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed a few inaccurate discrepancies. These are showing late payments and delinquencies that I believe are inaccurate, incomplete, or unverifiable. ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XX/XX/XXXX shows late payments ) ( XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX shows late payment ) ( XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX shows late payment ) These accounts showing negative information on my credit report reflexes inaccurate information,
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct and update.
Product: Checking or savings account

On XXXX  company responded. They did not address how/who/why the account was locked. 
They also said they needed a document of which we furnished them a copy ( email ) for the 3rd time. 
Since XX/XX/XXXX we have made NUMEROUS attempts to contact the person we were directed to contact. She was NEVER available and they would not address the status of release of funds. 
As of now it appears they have blocked our phones or simply will not accept our calls.. 
This situation has been ingot for 18 months with NO response.
Product: Checking or savings account

A XXXX  Account was opened in my name and hacked for my pay checks to go into that account this is a fraudulent account