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

I am writing to dispute these inaccurate accounts listed below. These accounts listed on my credit report is within violation of my rights as a consumer. I took a further step to reach out to the federal trade commission and file a complaint and also an affidavit due to XXXX of the accounts listed is misleading. All XXXX credit bureaus is reporting different information on each account listed, when in reality and what the law states, the credit bureau must report XXXX XXXX accuracies on any accounts listed. If any accounts listed isnt XXXX XXXX  accurate, the account must be deleted. Please be advised that unverified accounts remain unverified on my credit report. I have yet to receive the original documents from the original creditors which by law is a requirement. XXXX asking that the accounts I listed below is deleted and removed immediately from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) 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.

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX - XXXX... 
XXXX  XXXX XXXX - XXXX... 


I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had unknown accounts as well as 2 unknown Bks appear on my credit. I was not even aware you could file for bankruptcy twice .... anyway, I disputed the information with the bureaus because I thought it was an error and they merged my file with someone else. However, they verified the information as belonging to me, but its not!!!! 
I went to my local police department and filed a police report and sent that information to TransUnion and they have ignored my dispute and the accounts remain on my credit. 

XXXX XXXX Police Department Case # XXXX FTC Complaint # XXXX XXXX XXXX XXXX XXXX XXXX Court XXXX XXXX XXXX XXXX
Product: Credit card

I have a XXXX credit card issued by Comenity / Bread Financial. I had a balance of about {$140.00} and repeatedly tried to log in to pay it ( over the last several weeks ). I was consistently locked out of the account. When I was finally able to access it, I showed a balance of {$0.00}. I thought perhaps I paid the bill and the email about an outstanding balance overlapped with my payment. I was charged these late fees : XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$40.00} Since I was seeing a {$0.00} balance I did not even realize I was accruing these late fees. I thought I had a {$0.00} balance. Then I started to get many phone calls from Comenity saying I was past due, etc. Again, I logged in and saw a {$0.00} balance. Curious, I chose the " easy pay '' option where you can log in with your credit card number only. That is the only place I saw a balance of {$140.00}. I didn't understand why it only showed up in this location, but - being a financially responsible person, I paid it in full on XX/XX/XXXX. This should have included all fees and charges. 

A couple of weeks later I received an email that said I was past due AGAIN. Knowing that I paid this in full, I further investigated. Comenity seemed to have added these additional charges : XX/XX/XXXX - {$3.00} interest charge on purchases XX/XX/XXXX - {$40.00} late fee ( I presume because I hadn't paid the interest charge? ) XX/XX/XXXX - {$1.00} interest charge on purchases I complained to Comenity and they refunded the {$40.00} late fee charged in XXXX. I was planning on paying the remaining balance of {$44.00} but I do not feel I owe this. 

Their system was not showing my balance whenever I was actually able to log in UNTIL I chose to log in to the " XXXX XXXX '' part of the website, which I did on a fluke. Then when I saw the balance, despite being confused, I paid it in full. Then incurred subsequent charges when I should have had a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  : ( XXXX ). 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

Macys/cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to run my credit
Product: Credit reporting, credit repair services, 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 Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX  Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) 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 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: Vehicle loan or lease

In XXXX my husband and I financed a boat, motor and trailer with XXXX XXXX. XXXX was then taken over by Capital One and our payments were then made to them. The loan was paid off in approx XXXX and since my husband died I went to sell the boat, motor and trailer and was told by Texas Parks and Wildlife that Capital One still had a lien on it. I have gone to the local branch in XXXX, Texas in person, faxed the information to the lien department at XXXX and then has spoken to 7 different people at Capital One and still can not get the lien released. I am being told that they no longer have any record of the loan and therefore can not release the lien. I sent them the registration from Texas Parks and Wildlife showing the liens and they tell me that they have to go by their records. I am unable to sell the boat, motor and trailer without the lien release.
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. Due to privacy and confidentiality under the law 15 U.S.C 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 ). 

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 ) - States A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c Section ( a ) ( 5 ) - 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 record of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 Section ( a ) ( 1 ) - States 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 reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I  request that all the information circled on my credit report be blocked from my consumer credit file with your company pending full investigation. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is done to remove these fraudulent accounts from my report.
Product: Bank account or service

As of the end of XXXX 2015, I was no longer on direct deposit through my employer. This was due to some questionable charges through my checking account ; in addition, I am also trying to consolidate debt so my plan had been to close the account and open a new XXXX. I am paid bi-monthly ( the XXXX and last day of the month ) and on XXXX XXXX, XXXX cancelled the deposit from my account at PNC Bank, as planned. Several days later, around XXXX XXXX, the accounting department from my company called me to let me know that PNC had reversed the XXXX transaction so essentially I was paid twice. PNC never contacted me to inquire about the transaction ; any number of scenarios were possible, i.e. what if I was n't working with the same company anymore, or had been fired, etc. I admit that I had not noticed things going awry because my husband was in the hospital at that time and my focus was elsewhere. I contacted PNC customer support immediately to find out the procedure for unraveling this error. My case was sent to their escalation department and I was contacted by a member of that team named XXXX. She left me a voicemail message ( around XXXX XXXX ) and gave me the number to call, along with instructions that I did n't need to speak directly to her, that I could talk to anyone in that department. I returned the call the same day and spoke with XXXX XXXX. I explained what had happened and she was going to look into it and get back to me ; I made sure she had my cell number and work number. I told her to please leave me a message if I did n't pick up that I would call back. That is the last I have ever heard from PNCs escalation department. I have tried calling again but to no avail. In short, there has been no effort by PNC to fix the problem that they created. Compounding things is that I had also opted out of overdraft protection but PNC has continued to let things through the account while collecting outrageous fees. When I questioned them about it I was told that overdraft protection was only for my debit card, which I have not used for a month. I asked that a hold be put on the account so that I could try and unravel the mess but was told I would have to physically go into a branch and ask. This is not convenient for me since they closed the branch that was near my home and I can not just pick up and leave work anytime I would like. 
My employer, while understanding, does n't appreciate these inconveniences and if this is n't resolved soon I fear my job could be in jeopardy which I can ill afford. I feel that contacting the Consumer Financial Protection Bureau is my last hope to ever get resolution.
Product: Debt collection

date- XX/XX/year>XXXX  amount - {$3900.00} disputed negative debt from Complete Credit Solution that appears on my credit report with all credit bureaus, proof was never sent to me regarding the debt. 
Advised XXXX, XXXX, and XXXX that this debt is not valid and I never had business with this company. Negative debt is still on my credit report.
Product: Credit reporting or other personal consumer reports

I did not authorize these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXX XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX  XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX EXPERIAN Date of request ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX EXPERIAN Date of request ( s ) XX/XX/XXXX EXPERIAN Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX EXPERIAN Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of request ( XXXX ) XX/XX/XXXX XXXX XXXX I Date of request ( s ) XX/XX/XXXXXXXX XXXX XXXXXXXX Date of request ( s ) XX/XX/XXXX
Product: Debt collection

15USC1692C ( C ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  pulled my credit report on XX/XX/year> without my permission I didn't authorize them to do so. And also on XX/XX/year> truist bank also pulled my credit report without my permission and didn't authorize them to. so someone stoled my identity and I already tried talking to them both to have it removed from my credit report and they said that they couldn't do it and that I had to contact the credit buereas so I did and they said that they couldn't remove them. And I told them that it was a fraudulent inquiry. So I need to have them removed thank you
Product: Credit reporting or other personal consumer reports

I made dispute on XXXX for 5 claims, one being a duplicate , LN rep stated they had 30 days to do an investigation by law, if anything were to come back unverifiable, they would be removed from my report. I received 2 letters in the mail XXXX -- 5 claims were unverifiable ; does not show they are removed from the report on the letters. After the 30 days, I received a letter that 2 out of the 5 claims are accurate. LN rep did state the duplicate was removed, 4 claims are showing still -- -by law they had 30 days, information stated all 5 were unverifiable -- I've requested several times that those be removed from my report and they state they will have to open up another investigation, I don't want to do that, they had 30 days by law to do the investigation and they came back unverifiable not accurate. 

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

I did not give concent to any company nor reporting agency to report any payment or transactions on my credit file. 

Written Notice Per the FCRA as a federally Protected Consumer I am now opting out of any and all authorizations I the Consumer may have given you written unwritten verbal and nonverbal per 15 usc 6802.

The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. It also protects individuals by ensuring that federal agencies only collect personal information that is LEGALLY AUTHORIZED and necessary. 

Some examples of privacy violations include : *Sharing data with third parties WITHOUT AUTHORIZATION *Using customer information for purposes other than its intended use Some exceptions to the Privacy Act include : *Information FOR a CIVIL ACTION proceeding *Material reporting for INVESTIGATIVE EFFORTS related to CRIMINAL LAW enforcement. 

All listed below who are in violation * XXXX XXXX XXXX Acct # XXXX * XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX * XXXX XXXX  XXXX Acct # XXXX * XXXX XXXX Acct XXXX XXXX * XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX * XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX /Acct # XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered that multiple unauthorized accounts were opened in my name and numerous credit inquiries were made on my report without my knowledge or consent, indicating I have been a victim of identity theft. These fraudulent accounts include XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 's, XXXX XXXX XXXX, XXXX XXXX, and more. Additionally, unauthorized inquiries were made by companies like XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and others, which I did not approve. 

To address this, I have filed an identity theft report with the FTC, submitted a police report, and disputed these fraudulent activities with the credit bureaus and creditors involved. Despite these actions, the fraudulent accounts and inquiries remain on my credit report, causing significant damage to my credit standing. I am requesting a thorough investigation and removal of all fraudulent items from my credit report to resolve this matter.
Product: Credit card

I HAVE RECEIVED STATEMENTS FOR TWO YEARS UNTILL XX/XX/2023 WHICH I HAD TO LOOK UP ON LINE BECAUSE I HAD NOT RECEIVED A STATEMENT BY XX/XX/2023 AND I CALLED CREDIT CARD COMPANY ON XX/XX/2023 AND TOLD THEM SAME INFO AND I PAID BILL IN FULL, AND AGAIN ASKED THEM TO SEND ME A STATEMENT TO ADDRESS ON FILE AND AGAIN THEY SAID THEY WOULD AND MY ADDRESS WAS AGAIN VARIFIED BY THEM. I ASK FOR PREVIOUS COPIES OF STATEMENTS AND 5 DAYS LATER RECEIVED IN MAIL TO MY ADDRESS. 
AGAIN IN XX/XX/2023 I HAD NOT RECEIVED A STATEMENT AND CALLED AGAIN AND PAID OFF ACCOUNT BALANCE AND CLOSED ACCOUNT AS I AM XXXX XXXX  OF AGE AND PAY MY BILLS BY STATEMENT AND NOT TO FAMILIAR WITH THE COMPUTERS. THERE IS A BALANCE XXXX INTEREST WHICH I WILL NOT PAY. 
CAPITAL ONE SAID THEY MAILED MY STATEMENT 4 TIMES AND SHOW DELIVERED AT XXXX XXXX  OR CLOSE EACH TIME. MY MAIL IS PUT IN A COMMUNITY MAIL BOX AT XXXX OR LATER EACH DAY BY POSTMAN. I CAN SEE MAYBE A POSTMAN MAKING 1 OR 2 MISTAKES BUT 4 ( FOUR ) IS BULL. I THINK THIS IS A SCAM BY CAPITAL ONE TO GET INTEREST FROM PEOPLE THAT PAY ON TIME AND DONT PAY THEM INTEREST. I HAVE A CREDIT SCORE BETWEEN XXXX AND ALWAYS FOR XXXX  YEARS PAID ON TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$120000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX denied an auto loan due to information from Sagestream. Says score is XXXX, when its actually over 830. received a letter in mail stating denial. who is XXXX? why do they supply scores?