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

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I would like to know why I have a collection on my report cause I dont buy nothing from nobody just let me know what types of debt I have or I need a lawyer, so you see my credit report Im never miss any payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third bank has charged me on a credit card that I closed XX/XX/XXXX. I closed all of my accounts with them XX/XX/XXXX and switched banks. There was never an issue until XX/XX/XXXX when I noticed a late fee and outstanding balance of {$35.00} dollars affected my credit score negatively. I called fifth third and that said the issue was resolved and that it was a mistake and would not happen again. On XX/XX/XXXX they again charged me {$35.00} dollars for an outstanding late fee. On XX/XX/XXXX I submitted a dispute to XXXX and got the results on XX/XX/XXXX stating that Fifththird bank confirmed the charges to the credit bureau this negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN XXXX AND TRASUNION, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

XXXX : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXXXXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

6. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a jointnotification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.

7. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXXXXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed. 

TRANSUNION : 1. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX XXXX Account Number : XXXX This information on my consumer report does not match other consumer reporting agencies shown in Exhibit ( -- ), which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). This account must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed paid off account with XXXX XXXX XXXX XXXX from XXXX that is inaccurately reporting a late payment on Experian, XXXX and XXXX. I was never late with this account and was never notified of a late payment. It is also reporting inaccurately which is a consumer violation pursuant to 15 USC 1681e ( b ) which states credit accounts must report maximum possible accuracy at all times. This account is in clear violation of that. I have attached a screenshot of the payment history showing the inaccuracy.
Product: Credit reporting or other personal consumer reports

Accounts are reported incorrectly on my credit report. 
This is an authorized inquiry. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. This is an authorized inquiry. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. This is an authorized inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. This is an authorized inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. This is an authorized inquiry. 
XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer, XXXX XXXX checked my credit report recently to find that a bill related to my medical visit was reporting on my credit. I did not give XXXX XXXX XXXX XXXX XXXX written consent to share my medical information, nor did I sign a HIPAA. Which they failed to comply with HIPAA regulations detailed in 45 CFR Parts 160, 162, and 164. They illegally sold my information to XXXX XXXX XXXX. According to 15 usc 1692g XXXX XXXX XXXX were to reach out 5 days before in writing to notify me of this alleged " debt '', and they did not. As a consumer only I can validate this debt and I XXXX XXXX do not validate this debt.
Product: Debt collection

15 USC 1692e any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and 15 USC 1692f any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. 15 USC 1692a 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 15 USC 1692B ( 4 ) ) The advertisement for sale of any debt to coerce payment of the debt.
Product: Money transfer, virtual currency, or money service

Has no way to close accounts. Makes it very difficult to close- have to go thru customer service which one they know its an account closure, wont respond. Finally got thru and they refuse to refund the prorated account fees that I paid in advance. This is a disgrace, they are stealing from kids and low income people
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, This company has not provided any factual proof or validation pertaining to my factual consumer complaints. not only that but has been reporting inaccurate information ALL WITHOUT MY CONSENT. They have not provided the correct title instead has fraudulently obtained by creating 2 attaching my name to a false debt.. At this time NFCU has an open court case with the CEO. In response to the credit reporting it must cease and desist. They are reporting an address they had no consent to report and is wrong, They did NOT HAVE PERMISSIBLE PURPOSE and NO VALIDATION FOR THAT FACT ALONE. Overall it is a question of why TWO CA TITLES were made. All contracts on my end have been canceled and rescinded and by certified mail, fax, and thought the e portal. It is clear of the fraud and deceptive practices this company continues to injury my life with. A federal claim is pending. The CA TITLE this company is trying to attach a debt to is not for the correct title. They tried to cover their fraud.
Product: Checking or savings account

OnXX/XX/XXXX I initiated a bank to bank transfer from my Fifth Third Checking to my checking account with another bank. I initiated this transfer for the full amount in my 5/3 checking, as I needed the funds to cover a bill in the other account. It allowed me to initiated the transfer, and at no part in the process did a detect a disclosure of any fee associated with the transfer. Additionally, I did not even suspect there would be a fee, as there is not a fee for this same service at my other bank. None the less, I reviewed my account on the morning of XX/XX/XXXX and detected that they had withdrawn {$3.00} more than my requested transfer amount, causing my account to become overdrawn. I contacted customer service, explained that nowhere did I detect a clear fee disclosure, that I could have simply made the transfer from the other bank if I had known there was a fee, and/or I could have made my transfer for {$3.00} less in order to cover the fee. I requested Fifth Third to reverse the fee. They said they can not. I requested proof of the fee disclosure during the transfer initiation process. They could not. They provided a PDF copy of the main account disclosures, but could not, or would not provide proof that the fee is disclosed during transfer initiation. This seems deceptive to me, by not clearly and boldly displaying the fee at the time of transfer, in addition to even allowing the overdraft to occur by allowing a transfer which exceeds the total sum of the balance plus the fee. This is not even to mention the poor customer service not to just take care of a {$3.00} misunderstanding.
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. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Experian and XXXX preform a independent investigation with dispute on XXXX account XXXX. This account is being inconsistent reporting first date of delinquent by both credit bureaus and has been re-aged. Re-aged account is a violation of the FCRA. XXXX report XXXX is XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX report XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX report XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX. There are different years, months and dates of first Delinquency on all three reports for each month This is inconsistent reporting by XXXX and Experian. This account account has been illegally re-aged which is a violation of the FCRA requirements. 

I have attached a copy of my credit reports as proof for the months showing the inconsistent reporting by the credit bureaus.
Product: Checking or savings account

On XX/XX/2019 Suntrust Bank placed an hold on my business account for no reason and my {$7200.00} has been held until today. I tried to contact Suntrust several times but they keep telling me that my account is under review. This issue really affected my business, it has been 2 weeks now and I can't do any business transaction while my capital is held
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated them and sent several request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2024, I had an alarm system installed in my home by a company named XXXX. The maintenance fee came out to approximately $ XXXX. 
As time passed, I noticed more than usual solicitations from a company called Citizens Pay. I thought these were credit card solicitations that I believe I was shredding until I opened one up. I found that these were statements/invoices for a {$6000.00} line of credit with Citizens Pay. There was one charge for {$4000.00} ( line item ) but no detail or explanation for the charge although there was in the upper righthand corner of the statement written, " XXXX XXXX ''. The installment payments set by Citizens Pay totaled approximately between $ XXXX $ XXXX monthly on top of the {$85.00} maintenance fee from XXXX XXXX 
On or about XX/XX/year>, I sent a letter to Citizens Pay regarding this {$6000.00} line of credit that I never authorized, wanted or asked for. I asked for a detailed itemized statement of charges including contracts or agreements that supposedly support the credit line per the Fair Credit Reporting Act. To date, I have received no correspondence from Citizens Pay other than attempted telephone collections, emails for payment and continued invoices. 
My once above-excellent credit is in ruins and now rated as " fair ''..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for the XXXX XXXX credit card, after receiving a pre-approved offer. 

On the XXXX they pull my transunion credit report. 

I was denied application. 

However on XX/XX/2020, XXXX days later they pull my credit again! 

I now have 2 hard inquiries on my credit report. 

I never authorized to pull my credit the second time. 

Provisions are requested!
Product: Credit reporting or other personal consumer reports

I was reviewing my Credit report and noticed some inquiries that i didn't recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Accounts - XXXX. ) XXXX XXXX XXXX XXXX. - ACCT # XXXX - AMOUNT- {$1300.00} XXXX. ) XXXX XXXX XXXX - ACCT # XXXX - AMOUNT - {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$300.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$14000.00} XXXX Accounts XXXX XXXX XXXX XXXX POSSIBLE FINANCIAL - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$11000.00} Equifax Accounts XXXX XXXX. ) XXXX XXXX XXXX XXXX AMOUNT - {$200.00} XXXX. ) XXXX ACCOUNT XXXX XXXX - XXXXXXXX XXXX  - AMOUNT - {$300.00} In accordance with the Fair Credit Reporting act, The listed accounts above have 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.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX} ATTORNEY GENERAL - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ORIG FILING DATE XX/XX/XXXX I looked at my EQUIFAX credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act 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 who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of 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 the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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.