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

Ive been trying for months to remove this account off of my report. This account was not authorized by me. i have recently been informed of being a victim of identity theft. i have also been notified that by reporting these accounts, the companies are in violation of the fait credit reporting act. Equifax, XXXX and XXXX are governed by the FCRA, an according to 15 USC 1681 b ( a ) ( 2 ) clearly states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. It isnt possible for me to give written consent on a account that wasnt open by me. 

They are also violating the Gramm Leach Bliley Act. Which states that a consumer must be given the right to opt out of their information being reported. No lender ever gives that option. With that being said i demand that the following accounts be removed from my credit report. 

XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX  {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ONLY NAME THAT SHOULD APPEAR : XXXX XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information : Most Recent Employer Employer Name XXXX XXXX XXXX Previous Employer Employer Name XXXX XXXX XXXXIn addition : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights -15 U.S. Code 1681s602a-Section 1- I have the right to privacy -15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Product: Checking or savings account

PNC won't allow linking of checking account to XXXX XXXX app
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2021, I contacted Trans Union & submitted legal documentation regarding the 5 public records ( bankruptcies ) they have listed on my consumer report which Trans Union obtained from XXXX  XXXX. I informed Trans Union & provided documents stating that these 5 public records needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, Trans Union has refused to remove those accounts. At the same time that I contacted Trans Union, I also contacted XXXX XXXX directly and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX on XX/XX/2021 via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the 5 public records referenced on my Trans Union consumer report have now been removed from their database. Additionally, XXXX XXXX also responded via hard copy through the US Postal Service via mail dated XX/XX/2021, again stating that the 5 public records have been deleted / removed from their database. Therefore Trans Union immediately needs to delete / remove these now fraudulent public records from my consumer report within their database.
Product: Debt collection

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) 15 U>S>C> 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau CFPB have brought to light significant concerns regarding XXXX  failure to conduct proper investigations. Specifically, in a lawsuit filed XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request XXXX : 1. Conduct a thorough investigation of the following disputed accounts or items : 2. Provide me with all documentation used to verify the accuracy of the disputed information 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Debt collection

I woke up this morning on XX/XX/2020 to a notification from XXXX, a company I use to monitor my credit score, that my score had changed and that a new debt had been added to my credit report. I have no knowledge of what this debt is. The number on my report doesn't match any money that I owe any company right now. I also have not received a letter or phone call by any company requesting this amount of money, nor have I received any letters or phone calls from this company ( Commonwealth Financial Systems ). I tried to call them numerous times today, and despite them being open, I was met with the same response every time saying that no one was available to take my phone call, and I was automatically hung up on each time. I had no opportunity to leave a voice mail or any other way of leaving them a message to reach back out to me to clear this up. It's completely unacceptable that I haven't received any written notice of this debt nor do I have any details as to what it could possibly be, which leads me to think that this is a fraudulent attempt to collect money I do not owe. I am especially concerned because when I googled the company, the XXXX reviews and XXXX XXXX XXXX  reviews all report of the same thing happening to them finding a debt that they don't recognize on their account or that they know to not be theirs from this same company. I just want to clear this from my credit report or at the very least have clear details as to what this debt is from and why I was not reached out to about this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from 2017 is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the US District Court in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions XXXX of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given LExis Nexis or any of their business affiliated permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.
Product: Debt collection

i have never had XXXX. i was victim of identity debt i have told them that serval times.
Product: Debt collection

I received a notice from Commonwealth Financial about a Medical Bill. I disputed it in XXXX & they sent a Itemized Bill. That is a Direct HIPPA Violation because it does not bare my Signature. I have sent them my Insurance Card & Policy with XXXX XXXX XXXX XXXX XXXX XXXX, as well as XXXX XXXX being I had Health Insurance with my Employer XXXX XXXX at the time. Be mindful I spoke with XXXX with CWF on XXXX/XXXX/XXXX who stated the Account was Closed & it would be deleted within 30 Days & is now going into 60 Days. Please resolve this issue my next step is to file a Lawsuit. I am keeping track of when you receive this & who I spoke to.
Product: Money transfer, virtual currency, or money service

l am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft I have not authorized no one to open a Bank XXXX XXXX credit card with my name or my personal information this account was open on XX/XX/XXXX fraudulent amount {$2500.00}. 

this fraudulent account XXXX XXXXXXXX XXXX XXXX  bank XX/XX/XXXX {$640.00} this account are fraud open by open by someone who stolen my identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Letter to Equifax Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax XXXX XXXX am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. I request that you investigate and resolve the following discrepancies : XXXX XXXX Account Reported Amount : {$XXXX} Date of Opening : ( Details unavailable in provided report ) XXXX XXXX Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX 

Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX payments reported Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX late payments reported Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX late payment XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Additional Accounts from Equifax Report XXXX Bank XXXX Account XXXX XXXX XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX {$XXXX} Date Opened : XX/XX/XXXX XXXX Auto Finance Account Number : XXXX XXXX XXXX {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX  Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX Bank Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX Card Services Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX Card Services Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX Mortgage Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX  Credit Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX I have attached supporting documentation to assist with your investigation. 

I request that Equifax : XXXX a thorough investigation into these matters. 

Correct or delete the inaccurate information as appropriate. 

Provide me with a copy of the updated credit report reflecting these changes. 

Please note that FCRA requires you to resolve this dispute within 30 days. If additional documentation is needed, please contact me immediately at the address above. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your actions to resolve these issues. 

Sincerely, XXXX All Rights Reserved XXXX Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported inaccurate damaging accounts on my credit profile since XXXX. I have wrote in to XXXX on several occasions dating back to XXXX, XXXX, XXXX XXXX and XXXX, asking them to remove unverifiable information. The company has never sent proof of an original contract bearing my signature for the alleged open account with credit acpt. Under federal laws the company has not complied as it is illegal to report information that they can not validate or verify. This account claims I am late and the balance is {$13000.00}. A convergent outsourcing is also reporting and has never been validated n0r verified. This information is detriment to my financial wellbeing.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX  hire some igornat colloection agency to keep harassingme over a debt that is not pwed. Please make XXXX XXXX call off this colloection company. I demand that this debt I do not owe be removed from all of my credit reports
Product: Debt collection

I noticed this company is reporting a collection from XXXX XXXX, however Ive been in contact with XXXX XXXX and Im currently paying them directly. 
Also this account balance is incorrect and is reporting differently to each bureau. How can this account be reported by a collection agency if Im paying XXXX XXXX? 
No one notified me of who this company is and I never received any communication from them. 
All information must be 100 % accurate when being reported. This is false, I do not owe this company anything as I dont even know who they are.
Product: Credit card

In XXXX. I joined XXXX others for a trip to XXXX, XXXX. We had prearranged transportation but for the return trip to the airport the transfer did not show up so we asked the doorman at XXXX XXXX XXXX to call a cab. He asked would it be cash or credit. WE said credit. 
Once we got in the taxi, I gave the driver my XXXXXXXX XXXX He swiped it several times and said the card reader was not working. I gave him my Citi card and he said the same thing. So, we gave him cash, which was between {$25.00} and {$45.00}. Rushing to get to the airport I did not get a receipt for the cash. While at the airport I got a call from XXXX that they noticed suspicious activity on the card. I explained what happened they was told they would back me when I filed a dispute. I never heard from Citi. 
When I returned home, some days later i discovered that the drive had indeed charged {$450.00} to XXXX and more than {$500.00} to Citi! I disputed both. I have not any acceptable resolution. XXXX accepted an XXXX for my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) so I would never use an XXXX Citi never produced any proof but unbelievably is taking the side of the taxi co. A luxury XXXX XXXX might be {$96.00} or so dollars to how can I get charged on two different cards for more than {$1000.00} for a ride to the airport? That's is fraudulent use of my card and theft by deception. I had always believed and was told that in such cases a credit card company would back you. they don't. A Citi rep even told me it was on me because " you did give him the card and you did get a ride to the airport. '' which makes no sense and is insulting at best. ( listen to the calls, they're recorded. ) I have explained what happened over and over ( you never get the same person twice. ) In both cases I was told it would be turned over to fraud and it never is. When I call the check I find out that the person never did what they said they were going to do in elevating this to fraud and deception. Citi has been especially bad. They never called to even report suspicious activity. nothing stood out for a {$500.00} plus taxi ride?? Seriously? I have even suggested they credit companies talk to each other and see where it clearly does not make sense. Citi said they don't do that and one rep even said nothing could be done basically because it was in XXXX, but Cit is a global firm, so that doesn't make sense. I have a Citi Costco Executive Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Description of complaint : I have reach out numerous times to transunion XXXX XXXX they have failed to remove fraudulent items from my credit ( Fraudulent ADDRESSES ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, ant attorney 'S fees. 15U.S.C. 1681o. A CRA that willfull fails to comply with the FCRA can be held liable for actual damages ( or statutor damages of un to {$10000.00}. punitive damages.costs, and attorney 15 U.S.C. 1681n The FCRA seeks to ensure the " [ a ] ccuracy and fairness of credit reporting. '' 15 U.S.C. 1681 ( a ). Toward that end, the FCRA mandates that end, the FCRA mandates that consumer reporting agencies ( " CRAs '' ) " follow reasonable procedures to assure maximum possible accuracy '' of the credit reports that they create. 15 U.S.C. 1681e ( b ). The FCRA also provides that, if a consumer disputes " the completeness or accuracy of any item of information contained in [ his ] file, '' the CRA must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

" 15 U.S.C. 1681 ( a ) ( A CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, and attorney 's fees. 15 U.S.C. 1681o. A CRA that willfully fails to comply with the FCRA can be held liable for actual damages ( or statutory damages of up to {$1000.00} ), punitive damages, costs, and attorney 's fees. 15 U.S.C. 1681n. You have a right to disputed anything
Product: Credit reporting, credit repair services, or other personal consumer reports

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX BALANCE : {$7600.00} According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. This is a time-barred debt. Please remove this account from all three credit bureaus. 

Pursuant to the attached documents, page 4, the highlighted section, the date of commencement to collect this debt was XX/XX/XXXX. Last payment made was XX/XX/XXXX. Once again, according to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt.