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

I am filing this complaint due to M & T Banks failure to comply with the Fair Credit Reporting Act ( FCRA ) still, specifically under 15 U.S.C. 1681c-2, which mandates the blocking of fraudulent information on my credit report upon receipt of appropriate documentation. I have fully complied with the requirements outlined in this section by providing all necessary documentation to support my claim that the account in question was not opened by me and is a result of identity theft.

Despite my clear and repeated denial of ownership of this account, M & T Bank continues to insist that I am the owner without providing any substantial evidence to support their assertion. Their XX/XX/year>, response reiterates their stance without addressing the core issue : they have not provided any proof, such as signed agreements or verification of my personal information, that confirms I initiated or agreed to the terms of this account.

M & T Banks refusal to honor my request to block this fraudulent account from my credit file is in direct violation of FCRA 1681c-2. This account should be permanently blocked from my credit report due to its fraudulent nature, and M & T Bank has yet to comply with the law by either validating my identity as the account holder or by removing the erroneous information.

I request that the Consumer Financial Protection Bureau ( CFPB ) take action to enforce compliance with FCRA 1681c-2 and 1681s-2b and ensure M & T Bank fulfills their obligations under federal law. This fraudulent account is negatively impacting my credit, and M & T Banks failure to follow proper procedure only exacerbates the harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Transunion and XXXX because I received a credit alert that my score had dropped over XXXX points. In the dispute, I provided corporate documentation to show that they were reporting a XXXX corporate account ending in XXXX, on my personal credit file in which the usage caused me to lose two credit cards which were in good standing a XXXX XXXX  XXXX with a {$15000.00} credit limit, a XXXX XXXX XXXX with a {$12000.00}, denial for a mortgage loan, and the limit on other credit cards to be reduced because of the high usages. I informed them that the business 's high usage was killing my credit score, I went from XXXX to XXXX. 
In my dispute, I provided Corporate Documents ( Articles of Incorporation, an Ein letter, a Credit Card statement showing the Corporation name, and the letter from the creditor showing it was a business account ). I have called several times and they refuse to remove it from my credit file and changed it to an individual credit account which is inaccurate. This has cost my family financial hardship. I went from an excellent credit rating to a fair rating because of the business usage being reported on my personal file. XXXX removed it from my credit profile, but XXXX and Transunion refused to do so. I have submitted 4 disputes and they still refuse.
Product: Debt collection

In XX/XX/XXXX, XX/XX/XXXX referred an outstanding balance of {$450.00} to XXXX XXXX XXXX. In XX/XX/XXXX I set up and initiated a monthly automated payment of {$52.00} to settle the debt. In XX/XX/XXXX, I received notice from my credit reporting agency that there was a negative collection reported on my credit on XX/XX/XXXX and realized that the last payment made to XXXX XXXX XXXX was on XX/XX/XXXX. There were two remaining payments to be made which would have brought my account to a XX/XX/XXXXbalance. I called XXXX XXXX XXXX to ascertain why payments were stopped. I was informed that XX/XX/XXXX " took the account back ''. Upon further inquiry with XXXX, they reported that because the account was still outstanding, they referred the account to Diversified Consultants to collect the remaining balance of {$100.00}, despite on-time monthly payments being made. I had no knowledge nor received any notice, written letter or otherwise, that the account had been transferred. Diversified Consultants reported that phone calls were made to my home number, however, no written notice was mailed. After paying in good faith to the settle my debt, this failure to report the acquisition of the new account prevented me from being able to clear up the account in a timely manner so as not to have it negatively reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. 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.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$24000.00} ; US DEPT ED XXXX {$1300.00} ; US DEPT ED XXXX {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/scrub>XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

I have reviewed my recent credit report and noticed some accounts that appear to be inaccurate and unauthorized.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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

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. Regardless of the multiple written requests, the unverified Inquiries listed below are still reporting on my credit report in violation of federal law. The 3Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX : XXXX. XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX. XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX : XXXX. XXXX  Date of Inquiry XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX Date of Inquiry XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX  Date of Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX TRANSUNION : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX # XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX got leads for me, just prior to the XX/XX/XXXX workshop, our XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said he couldn't use the leads ( for potential life insurance ) because he'd be required to have a Certified Public Accountant ( " CPA '' ) license. The leads were from a tax course but I thought the company only did the marketing, didn't realize the tax company I wanted to use was " XXXX XXXXXXXX XXXX. '' I later talked to my regional sales leader, XXXX XXXX who said we could use the leads.Anyway, went forward ( {$11000.00} bill ) because didn't want to leave the nice woman in a lurch ( XXXX XXXX ). The people showed up but then I was liable for the bill. I was offered a payment plan by the staff then the owner calls and demands a large deposit ( I'd already paid {$500.00} and paid separately for the tax course ), which I didn't have. He sent me to collections, made a pay arrangement of about {$1100.00} @ month. Made two payments but now found out the leads may be used so am awaiting outcome of a decision regarding this via my Congressman XXXX XXXX. In the meantime, XXXX XXXXt ( Atty XXXX XXXX ) ( XXXX ) insists on calling me at work, then when I tell them to call me on my cell, and that I'm working on getting them paid ( and also keeping XXXX apprised via email ), they keep calling my work, talking to my boss, making demands, and sending the bill to my work email. They just called me at work twice today, last Friday, 2-3 times.I have a very reliable friend who was going to help me out with this back in late XXXX, early XXXX, but he got really sick and is just recovering. 

The last time I put on an event ( " XXXX 's Purple Purse '' domestic violence award XX/XX/XXXX ) for my boss it was so time consuming, that I was glad to see XXXX XXXX XXXX. They are very good and get the " butts in seats. '' I wanted to be fair and make sure they were paid, and keep their goodwill.
Product: Debt collection

Creditor/Collection contacted myself but failed to send required documents proving validation of debt within 5 days and now sent an email threatening numerous illegal procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute personal information update letters to all three credit bearues in the. The only address that is correct XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and phone number XXXX. I no longer work at XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

The dates and companies listed below have violated my rights on the dates listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

When I checked the account on the XXXX of XXXX my check was deposited {$930.00}. I made a withdrawal at an ATM withdrawal of {$500.00} and a few other transactions with my debit card and two days after on XX/XX/XXXX I had been charged an overdraft fee of XXXX and my account was down to {$16.00}. When I checked my wells Fargo mobile banking app it is stating that I got my check on the XXXX of XXXX when clearly there was money in my account because I wouldn't have been able to withdraw {$500.00} and make those other transactions. I have gotten my check on the XXXX several times before this and never had any problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is still reporting my delinquent XXXX account beyond the 7 years. The date of last payment as reported by Transunion is XX/XX/2013. So why havent this item been removed yet?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by TransUnion, XXXX, and XXXX on a XXXXXXXX XXXX XXXXXXXX account ( Account # XXXX XXXX ) that does not belong to me. 

Below are the specific details of the account as reported by each bureau : - **TransUnion** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$1000.00} - High Credit : {$1000.00} - Credit Limit : {$700.00} - Past Due : {$1000.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Canceled by credit grantor ; Account has been closed due to inactivity ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - **XXXX** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$1000.00} - High Credit : {$0.00} - Credit Limit : {$700.00} - Past Due : {$1000.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Canceled by credit grantor ; Account has been closed due to inactivity ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I have never opened or authorized this account. As such, the information reported is inaccurate and must be corrected or removed. 

I request that the CFPB investigate this matter and instruct TransUnion, XXXX, and XXXX to remove the incorrect account information from my credit reports. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I have multiple issues with National Credit Systems , Inc. including, but not limited to : -I have received multiple requests for funds, without an explanation of why the amount is what it is. The collection bill is not itemized and does not reflect what I was actually paying while I was a resident of the collection agency 's client- Piney Point Apartments. So I 'm not sure where this arbitrary lump sum amount of {$950.00} is coming from. -I never once received notification directly from XXXX XXXX XXXX saying that I owed money or that they would be forwarding a balance to a collection agency. They have all of my personal information on file, so there 's no reason why I should n't have been notified before being sent to collections. -Neither XXXX XXXX XXXX nor National Credit Systems , Inc. have informed me when this collection balance became delinquent or when the statute of limitations will expire. -National Credit Systems , Inc. did not disclose that they would be sending the collection balance to my credit bureau immediately, without allowing for resolution first. -National Credit Systems , Inc. never once identified themselves nor did they have any identifying information about me or the specifics of my residency at XXXX XXXX , when contacting me. They also have failed to identify themselves either by name or by licensing number. -I 'm getting random collections calls from every state in America , which seems a little bit shady if this is supposedly a legitimate business based in XXXX , GA. -Legally, the apartment complex had to notify me before forwarding my personal information to a collection agency, which they failed to do. I never once received correspondence directly from XXXX XXXX.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 reporting, credit repair services, or other personal consumer reports

I am a single mom and I want my credit report to be fair, I recently got out of the hospital due to stress upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

I have the right to privacy In accordance with the Fair Credit Reporting act : 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 XXXX my rights XXXX 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions Thank you very much
Product: Checking or savings account

Wells Fargo again did not address my questions when responding to complaint XXXX, and again provided the same pre-prepared explanation and self-referential evidence. Their is no difference in their response. They are not taking my concerns seriously. They have not clarified their actions and have not refunded what they stole from my account. I am dissatisfied with Wells Fargo and their representative, XXXX XXXX.