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

Hey my name is XXXX XXXX I am writing to express my ongoing concerns regarding the credit bureaus ' compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts on my part to address these issues with the credit bureaus, they continue to disregard the provisions outlined in the FCRA, which is preventing me from getting a job. Ive been hung up on, and shut down on many occasions by the bureaus ' so now Im coming to you guys begging for your help. 

As per my simple understanding of the FCRA, I would like to draw your attention to the following relevant sections : 1. Section 15 USC 1681i ( 5 ) : This section states that the credit bureaus have a responsibility to modify or delete accounts that are reporting inaccurate information. However, despite presenting evidence of inaccuracies, the credit bureaus have failed to take appropriate action to rectify these discrepancies. 
2. Section 15 USC 1681b ( 1 ) : According to this provision, the credit bureaus are required to obtain written permission before disclosing consumer information. It has come to my attention that the credit bureaus have not obtained such permission in certain instances, thereby violating this crucial aspect of consumer privacy. 
3. Section 15 USC 1681 : This section establishes my right to privacy as a consumer. I believe that the credit bureaus ' actions, as described in my previous correspondences, have compromised this right by mishandling and disclosing inaccurate information without my consent. 
4. Section 15 USC 1681s-2 : This section outlines the obligations of individuals and entities providing information to consumer reporting agencies. It clearly states that information should not be furnished if it is known or reasonably believed to be inaccurate. Despite my notifications and confirmation of errors, the credit bureaus have continued to report inaccurate information, disregarding their obligations under the FCRA. 

I could continue providing additional examples that illustrate the credit bureaus ' consistent failure to comply with the FCRA. It is disheartening to witness their lack of respect for the laws put in place to protect consumers like myself. 
I kindly request that the Consumer Financial Protection Bureau takes appropriate action to hold the credit bureaus accountable for their non-compliance with the FCRA. It is crucial that steps are taken to ensure that they adhere to the provisions outlined in the act, rectify the inaccuracies in my credit report, and prevent such violations from occurring in the future. 
Attached to this complaint, you will find copies of the previous correspondence I have had with the credit bureaus, highlighting their lack of compliance, and highlighting the many issues on my report. I trust that this documentation will aid in your investigation and enforcement efforts. 

Thank you for your attention to this matter. I greatly appreciate your help. My life is put on hold as of right now.
Product: Checking or savings account

I moved from Florida to XXXX Georgia on XX/XX/XXXX. That was the closing date on the property. I had funds leftover from the closing and use that money to fund my SunTrust account. Today XX/XX/XXXX I am being advised that the account is closed but I do not have access to the over {$2000.00} that I have in the account. I don't know anyone here. I can't borrow any money this is all the money I have and I need it now.
Product: Credit card

Someone took out a credit card under my name without my knowledge and now Im in debt XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at I am Filing this CFPB to report separate fraudulent account appearing on my consumer fico credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal loan accounts and student loans opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dept. of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand that the aforementioned fraudulent items be removed from each of m consumer credit report and that all collection activity related to said items cease pursuant to my right within the FCRA and FDCPA laws.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 items : XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX & XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I used my American Express card to pay for a stay at the XXXX XXXX XXXX in XXXX, FL. XXXX XXXX XXXX claims to be pet friendly and mispresented their pet policy when I made the reservation. Specifically, I was advised when making the reservation that proper accommodations and safety practices were in place for pets. That was very untrue since there was no place to walk dogs on the premises and instead they suggested a county run park that was almost a mile walk. In the summer heat in Florida, that long walk can be unhealthy for a dog. Also, I had the Florida XXXX XXXX XXXX investigate the XXXX XXXX XXXX and they were found to have many violations, one in particular which was dangerous to pets was mislabeling and handling of chemicals. Unfortunately, my dog because violently ill during the stay and died. Cause of death was undetermined and thought to be heatstroke or poisoning. 

I filed a dispute with American Express for the two related charges, XXXX which was dispute number XXXX and XXXX which was dispute number XXXX. American Express closed the disputes in my favor and then reopened on XX/XX/21 and returned the charges to my account. Their reasoning seems to be because XXXX XXXX XXXX refunded the pet fees. To me, a refund of pet fees is an admission of guilt and is not a resolution at all. 

I feel that American Express did not put effort in their decision and decided to rule in favor of the merchant which is not properly protecting their customer. It was also lazy in my opinion.
Product: Debt collection

Date Reported to XXXX & XXXX : XX/XX/XXXX Account Number : XXXX Action Taken : Opt Out Letter sent on XX/XX/XXXX Balance : {$1100.00} The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling my information fairly, impartially, and with respect for my privacy ( 15 U.S.C. 1681 ). As a consumer, I have the right to control my information, as outlined in the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 ). This act mandates that financial institutions, which may include XXXX under FCRA definitions ( 15 U.S.C. 1681a ( e ) ( 2 ) ), must protect my non-public personal information and obtain my written consent before sharing it with non-affiliated third parties ( 15 U.S.C. 6802 ( b ) ). 

Since XXXX never obtained my written consent to furnish my information, and I have revoked any prior consent ( verbal, non-verbal, written, implied ), their actions violate the FCRA and GLBA. I have the right to opt-out of information sharing at any time under GLBA regulations ( 12 CFR 1016.7 ). Their failure to inform me of this right further strengthens my argument. 

Furthermore, because the reported account XXXX is an adverse item and XXXX has continued reporting it without my permission, it is inaccurate ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). The FCRA requires consumer reporting agencies to maintain procedures to avoid such violations and limit report sharing to permissible purposes ( 15 U.S.C. 1681e ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. I have previously sent a request for debt validation for several items listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/year> We sent over a Termination Request to XXXX. We were told by them that this process could take XXXX to XXXX days. On the XXXX day. We sent and email asking for an update. No response was received so we called and we were told that no email was ever received which made no sense as we verified we had the correct email address. We were told to resend the email and that they would put a rush on it/basically expedite it. We were told XXXX to 4 days. today is day number XXXX and nothing has been done on the file, I was told today that it might be XXXX to 60 days that basically they were very busy and they have no idea when the Termination will be completed. This is the only thing that is holding up my refinance as it can not be process until the Termination is completed. I have asked to speak with a supervisor and i have been repeatedly told them there is no one else to talk to so i am finally this complaint to hopefully get this resolved.
Product: Debt collection

This company Ability Recovery Services is trying to collect a debt that isnt mines. I disputed this debt a million times. The first time they said it has been deleted since XX/XX/XXXX. Then its still on my credit report. They tried validated the debt to an old address that I havent lived since XXXX. The person took pictures and sent it to my mothers address. The debt has my name but not my correct address ( I never lived at that address ). A credit card ending with 4 digits that I dont own and some other things thats not affiliated with me. I dont have no email address associated with XXXX XXXX account. I have no email as XXXX. My phone number starts with XXXX. I never had one with a 404 area code. I never went to XXXX XXXX. I been at XXXX XXXX XXXX University school since XXXX getting my XXXX. This debt doesnt belong to me.
Product: Debt collection

I have received multiple letters from your company regarding a debt you claim to have acquired and are now attempting to collect from me. However, I have no prior knowledge of this debt or its validity. I have not been provided with any documentation of the original debt, including a signed agreement or proof that I owe this amount. 
Additionally, the only contact information you have provided is a po box , which raises concerns about transparency and legitimacy.
Product: Debt collection

I keep getting calls on my cell phone from the national service bureau from number XXXX trying to reach someone that does not live at my address about an accident from 2014. I have asked them repeatedly to stop harrassing me. They are located in the state of Washington. They say it is a forwarding number which is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to you in order to inform you that I have unknown account in one of the credit bureau. I do not recognize this account so please remove it as I guess I became a victim of Identity theft.
Product: Debt collection

The the credit bureau experian and XXXX. My bankruptcy was not verified and I have sent them both the letter from the company that they used to verified. The company letter said the bankruptcy couldnt be verified so they removed it. But experian and XXXX wouldnt removed the bankruptcy.
Product: Checking or savings account

I am a woman owned automotive repair company. I am here by myself. I hire people to work per day. For some reason, TD bank will not give my financial partner snd I separate usernames for online and we keep getting locked out of our account. One month i see a charge from XXXX XXXX. Knowing ive only uses that like once a long time ago, I call to inquire. Turns out there are many small transactions in total of 1300 dollars. I am sick to my stomach but td says they will look into it and as long as it wasnt me, everything would be fine. Fast forward a few weeks I am attempting to make a business purchase and my card is declined. They reversed the credit with no reason or letter or warning. Then the overdrafts start. i tried to call them snd go to the branch they do nothing but argue with me. Ive heard TD does not have their customers backs when they get scammed. I dont have time to chase a huge corporation like this, it isnt fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4.

I need them delete this unauthorized inquiries off my credit report.

You can't go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers " Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX XXXX XXXX XXXX ) and others who furnish third party disputes free of charge, etc.
Product: Checking or savings account

On XX/XX/2020. Ally bank ( XXXX. XXXX XXXX XXXX XXXX, PA XXXX ) became aware of a human error that caused my information to appear on another customer 's B Notice, a backup withholding document. The XXXX  requires that Ally bank validate my name and Social Security number if their records vary from theirs. 

The information that was involved included my full name and Social Security number. 

Ally Bank claimed that a corrected B Notice was sent on XX/XX/2020. They said they contacted the customer who received my information and requested that he destroy the Notice sent in error. 

Ally Bank states that they engaged XXXX to provide me with its XXXX XXXX XXXX for two years, at no charge. 

I called the bank many times in the past month asking for a valid explanation and a feasible solution to prevent being a victim of identity theft. They will not investigate o take other actions regarding this problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies.

It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Mortgage

I got into XXXX XXXX last year and missed a a couple of payments on my mortgage. I talked to a rep with a plan in catching up my payments while also seeking out mortgage help through XXXX XXXX. During the process of applying through XXXX XXXX, I was still making payments on my mortgage with the intent of catching up by paying more than the monthly payment. The last payment that was accepted was on XX/XX/2023 and I've sent 2 more payments since then to attempt to honor my obligation. I was sent a letter stated that per my mortgage loan that my payments are being sent back. I emailed the debt collector from the bank and asked where in my paperwork was that stated. She refused to tell me or respond through email. I want to communicate through email for XXXX XXXX purposes on my end. In my contract with them, there is no such wording from what I read that gives them the right to deny my payments. I asked a legitimate question and they failed to respond with an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding existing disputes filed with CFPB : # XXXX - XXXX # XXXX - Experian Both companies have suggested I contact them via their toll-free numbers. 
This is a joke. 

I have searched the internet for any number that will allow me to speak to a person. I only get an automated voice that verifies my identity 100,000 times and wants to help me, by stating " is this a general question about credit, if yes, press 1 '' if you do they give you a list of items that have nothing to do with your issue. If you do not choose one, they end the call. If you do, you answer no to the questions and say representative, over and over, it says " I can only connect you with a representative under certain specific circumstances '' then back to zero, start again. 

My files on this fraudulent bankruptcy include deletions from XXXX the third-party provider of information to the CRAs on Public Records , a statement from the Bankruptcy Court that they do not verify anything to the CRAs, and that I should look at the information on credit repair contained in the FCRA. 

My file is over 400 pages, including a recent letter from XXXX to verify my identity! 
They have received copies of my license, ss card, leases, etc. dozens of times. If they can not identify me, why are they publishing damaging fraudulent credit information? Especially since this all occurred from their data breach which the settlement administrator is preparing to pay me the maximin cash amount of a paltry {$20000.00}, which I feel I should decline and am inclined to allow my law firm to open a class action suit on the class action suit and settlement, but that would hurt many people who have already paid over and over. Then I said, " why not let the CFPB help me, as they have many times before, and they are getting a significant amount of money from the XXXX breach. '' So here is my complaint. 
I want a phone number where I can reach a human at XXXX and Experian and I would like to know how I can opt out, as I have done with XXXX XXXX, permanently from the CRAs, I do not need them. 
Thank you XXXX XXXX Oh, I am vision impaired, making it a chore, one I gladly do, to read the pointless letters I receive from the CRAs.