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

Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have given you written unwritten verbal or non-Verbal, per 15 USC 6802. Effective immediately and indefenitly. 


Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Sir or Madam, I am writing to formally file a complaint against several credit reporting agencies that are violating federal laws concerning consumer privacy and credit reporting. 

1. **Violation of 15 USC 6802** : These agencies are unlawfully reporting transaction history. Section 6802 of the Gramm-Leach-Bliley Act mandates that financial institutions must provide notice to consumers and an opportunity to opt-out before disclosing non-public personal information. The unauthorized reporting of transaction history by these credit reporting agencies constitutes a clear violation of this statute.

2. **Violation of 15 USC 6805** : The credit reporting agencies are failing to comply with the enforcement provisions outlined in Section 6805 of the Gramm-Leach-Bliley Act. This section requires agencies to enforce the provisions of the Act to ensure consumer information is protected. The continuous reporting of transaction history without proper consent further exacerbates this non-compliance.

3. **Violation of 16 CFR 313** : The credit reporting agencies are also in violation of 16 CFR 313, which governs the privacy of consumer financial information. Specifically, this regulation requires financial institutions to provide privacy notices to customers and prohibits the disclosure of nonpublic personal information to nonaffiliated third parties without proper consent.

4. **Privacy Act of 1974** : Additionally, under the Privacy Act of 1974, the act of charging off a debt should be considered as issuing a certificate of indebtedness, which is classified as income. This reporting must be removed from the credit reports as it inaccurately portrays the consumer 's financial standing and violates their rights under the Privacy Act. 

Reporting the Following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the information contained within my credit profile, which I believe violates my rights under the Fair Credit Reporting Act. 
It has come to my attention that certain details within my credit report are inaccurate and have been reported in violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. Specifically, I am dismayed by the inclusion of the following information, which fails to adhere to the necessary standards of accuracy and notification as mandated by federal law. You must understand that you can and will be civilly liable for violating my rights as a consumer of the United States Corporation.

Under the provisions of the Fair Credit Reporting Act, it is abundantly clear that the handling of certain aspects of my credit account has not met the required standards. Specifically, according to 15 U.S. Code 1666 ( a ), creditors are obliged to inform consumers at least 21 days prior to considering a payment late. It is evident that such notification was not provided in my case.

Furthermore, it is imperative to recognize that the definition of a " credit card '' extends beyond traditional cards and encompasses various forms of credit instruments, including those essential to personal identification such as Social Security Cards and Driver 's licenses. You have failed to realize these mistakes on your behalf and IGNORED MY INITIAL STATEMENT, UNDERSTAND THAT YOU should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. I BELIEVE THAT YOU MUST LOVE WHEN PEOPLE SPEND THEIR PRECIOUS TIME LEARNING ABOUT THE NUMEROUS WAYS THEY ARE BEING VIOLATED BY A FINANCIAL INSTITUTION LIKE YOURSELF. You are also in violation of Under 15 usc 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.. You are required by law to exclude transactions [ any form of payments that are late ] from my credit report. This law is under the exclusion section and means that no transaction or information solely based on experiences between the consumer [ myself ] and the person making the report [ you, the COLLECTOR/CREDIT REPORTING AGENCY ] should be on my credit report. I must emphasize that this letter is not issued on behalf of any third-party entity but represents my personal grievance against your organization 's practices. The knowledge I possess regarding these matters has been acquired through painstaking research necessitated by the shortcomings of your operations.BE AWARE that you are civilly liable and this letter is not from a third-party source. This knowledge that I have acquired has been obtained through the long, suffering hours that you have caused AND WILL BECOME YOUR DEMISE IF YOU DO NOT COMPLY.
Product: Credit reporting or other personal consumer reports

The first company XXXXXXXX XXXX XXXXXXXX reporting XXXX. XXXX  account that is not mine. Second one is XXXX receivables. XXXX home health care account. Not mine, XXXX XXXX XXXX  are row property management. Those accounts are not mine and they are reading and collection. There are multiple accounts on all XXXX of my credit reports that are not my accounts. I have tried repeatedly to get these removed. And they will not do it. They keep verifying them as mine. I need your help. And I don't know how to go about it. But your help is greatly appreciated. All XXXX credit bureau 's are reporting these bad collections on my report and stopping me from getting a home.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the lack of progress in resolving the fraudulent items on my account, despite numerous attempts to address the issue. 

As I have previously communicated through multiple channels, including phone calls, emails, and in-person visits to your branch, there are unauthorized transactions appearing on my account statement that I strongly believe to be the result of fraudulent activity. Despite providing all necessary documentation and information to support my claim, the fraudulent items have not been removed from my account. 

This prolonged delay in addressing the issue is unacceptable and has caused undue stress and inconvenience on my part. Not only do these fraudulent transactions compromise the security of my account, but they also undermine my trust in your institution 's ability to protect my financial interests. 

I urge you to prioritize this matter and expedite the process of removing the fraudulent items from my account. Additionally, I request regular updates on the status of the investigation and the actions being taken to rectify the situation. 

Furthermore, I expect your institution to implement stronger measures to prevent similar incidents from occurring in the future and to provide better support and assistance to customers who are victims of fraud. 

Failure to take immediate action to resolve this matter will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX /XXXX, XXXX XXXX , XXXX XXXX. I also am a victim of the XXXX  and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.
Product: Debt collection

Account Name : PERSONIFY Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Checking or savings account

On XX/XX/XXXX I deposited {$77000.00} to my TD bank checking account from coinbase ( a crypto currency exchange ) & it instantly cleared. The next day my account was put into a no check status & for the past two weeks I have had XXXX access to my funds. I have called them countlessly every single day & visited a few of the branches. I get the same outcome everytime : " We can not help you with this issue, the front office is reviewing the account ''. This was a life changing ammount of money that I deposited & the hold is now becoming detrimental to my life. My account was restricted 3 days before the XXXX of the month & I have not been able to pay my rent or my bills. If this issue isn't solved immediately I will get evicted. I have also informed them that I may be evicted soon & they have not escalated the issue. I beg you for your help.
Product: Debt collection

I had a phone bill with XXXX {$400.00} which was created by error because XXXX refunded my payments in XX/XX/XXXX. Upon realizing the mistake, XXXX reached out to me through a collections company called Amsher Collections. The account was opened with Amsher as record # XXXX Opened XX/XX/XXXX, reported to credit agencies XX/XX/XXXX. Soon after I was informed about the bill, i immediately paid it off. Amsher collections agreed to delete this from my credit through the credit agencies. Today, account is still showing on my credit report and Amsher is now refusing to owner their commitment. They are sying, they never said that they will delete from my record. I am reaching out to you to help me get this deleted from my credit record because Amsher Collection agreed to do so and I honored my part and paid them immediately. Please assist so Amsher can get this record deleted from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand. I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.
Product: Debt collection

I pulled my credit report and found accounts in my name that do not belong to me. I am trying to conduct personal business and these accounts are affecting my credit score : CAPITAL ONE AUTO FINANCE # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX.
Product: Vehicle loan or lease

I didnt finalize a used car loan never got the car yet the loan shows on my report as a closed XXXX XXXX old account.
Product: Debt collection

On XX/XX/year> an address in the state of Michigan belonging to a family member attempted to be served papers in my name. I am not a resident of Michigan, have not been a resident of Michigan in several years. XXXX has filed a lawsuit against me in an entirely wrong jurisdiction which violates the FDCPA. The law firm acting on behalf of XXXX also partaking in the FDCPA violation is Shermeta Law Group PLLC. Lawyer name on lawsuit is XXXX XXXX who is also violating FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE WRITTEN THE CREDIT BUREAUS 3 TIMES AND THEY HAVENT FIXED THIS ERROR XXXX, XXXX, EQUIFAX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Product: Debt collection

XXXX contacted me XX/XX/XXXX for a debt to CitiBank. I made payment arrangements to pay off the balance from XX/XX/XXXX to XX/XX/XXXX ... completed the payments and paid off the balance. XX/XX/XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XX/XX/XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.
Product: Prepaid card

I have been a customer of unirush ( rushcard ) for about a year and a half. I have my paycheck direct deposited to this card. I had a direct deposit sent on XXXX/XXXX/15 scheduled to be posted to me on XXXX/XXXX/15 which rush card has never applied. Confirmed metabanks receipt of my direct deposit yesterday yet I do not have my money
Product: Credit reporting or other personal consumer reports

I have asked the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with the Fair Credit Reporting act XXXXXXXX  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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On the date of XXXX I filed a Police Report stating that I had been a victim of identity theft. I sent this report to XXXX, Equifax XXXX XXXX XXXX XXXX. Along with dispute letters requesting that they show proof of the negative accounts being mine. However neither Bureau responded by showing proof.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute I submitted regarding an unauthorized account with XXXX XXXX, which is currently listed on my consumer report with ChexSystems. Despite my request for its removal, you have failed to comply within the laws within consumer rights.

Per 15 U.S.C. 1681s-2, you are obligated under the Fair Credit Reporting Act ( FCRA ) to ensure that all information on my consumer report is accurate and free of errors. Failure to correct or remove inaccurate information violates my consumer rights!!! If this issue is not resolved and the XXXX XXXX XXXX XXXX XXXX isnt removed from my report, I will have no choice but to pursue legal action! Ive submitted all documentation on this matter as its been over 2 years and this info shouldve been removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my credit report and noticed that Midwest Service Bureau is reporting and trying to collect on an account which they state was opened on XX/XX/XXXX, for {$400.00}. Please note that I have never entered into a contract with Midwest Service Bureau. In addtion, pursuant to Kansas Statutes,  more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account. 

On XX/XX/XXXX, I wrote to Midwest Service Bureau indicating that I disputed the alleged account and that the Statue of Limitation had run. They received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format formate ignoring to report. 

Please see attached documents as a proof of me sending the letter. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is injurious to my character and is obstructing my capability to obtain mortgage.
Product: Debt collection

This information that is listed on my chexsystem report and reported from XXXX XXXX is inaccurate and fraudulent. My information was exposed in the XXXX data breach twice, dark web and also in the fema data breach.Supported documents of my information being compromised is attached in this dispute below. My email address was hacked, social security, current and prior addresses, banking information, employer information, passwords and etc. My drivers license was also replaced/ reissued ( states at the bottom ) due to being loss and identity theft. My name was also used and spelled in different ways to obtain bank accounts online and other goods and is documented on file with the credit bureaus. A identity theft report was was submitted when this information was observed by the me the consumer. Disputes were submitted to the consumer bureaus and to chex system and related information was deleted from the credit bureaus from investigation. Monthly security alerts were also placed on all credit files and a freeze is currently on my chexsystem report.I am currently in the pending status of a settlement with XXXX  in reference of both data breaches. My information was compromised during a FEMA breach as well. I am requesting for the deletion immediately of all derogatory information and accounts that are associated with XXXX XXXX, on my chexsystem report. This is and was not done by my consent nor did I authorize it this fraudulent activity. The derogatory remarks and information has prevented me from opening any account in Florida due to this matter with Chex System. I have received numerous of harassing calls from XXXX XXXX stating I will be prosecuted and also a collection agency attempting contact via phone to collect funds not owed to them. I am in process of legal action. 1 ) Please provide physical in person debit/ credit card obtainment and proof of physical in person signatures. My information was compromised from a unknown individual and obtained from a family members mailbox.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, the account did not appear on my credit report. However, it unexpectedly reappeared on XX/XX/XXXX, indicating a delinquent balance. This is inaccurate and a violation of the Metro 2 compliance standards. Specifically, there are apparent discrepancies related to the " date of last activity, '' " past due amount, '' and " date of last payment. '' I am writing to formally lodge a complaint against " XXXX XXXX  XXXX '' and the Credit Reporting Agencies ( CRAs ) Experian and XXXX regarding their unacceptable credit reporting practices. Despite my account with XXXX  XXXX XXXX being closed in XX/XX/XXXX due to fraud, these entities continue to report the account as active. Furthermore, XXXX refuses to address the issue, asserting that the account complies with the Fair Credit Reporting Act ( FCRA ). 

I believe this conduct constitutes a breach of the Fair Credit Reporting Act ( FCRA ), particularly sections 623 ( a ) ( 2 ) and 623 ( a ) ( 5 ). According to Section 623 ( a ) ( 2 ), furnishers must provide accurate information, which they have failed to do in this case. Section 623 ( a ) ( 5 ) mandates that furnishers report the delinquency date to the CRAs, which has been incorrectly handled here. 

Furthermore, this erroneous reporting violates the Consumer Financial Protection Bureaus ( CFPB ) Regulation V, which implements the FCRA and has been disregarded in this instance. Under Regulation V, furnishers must rectify and update inaccurate information, a responsibility they have neglected. 

The inaccurate reporting by these entities has had a detrimental impact on my credit history and score. Consequently, it unfairly hampers my ability to access credit and other financial services. XXXX XXXX XXXXXXXX and the CRAs ' ongoing negligence and failure to comply with consumer protection laws and Metro 2 compliance standards are causing significant harm to me.

I am asking for an immediate investigation into this matter by the CFPB. Also, I demand that the CRAs correct my credit report to delete the erroneous information, accurately reflect the status of my account, and ensure future compliance with the FCRA and Metro 2 standards.