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

I am writing to follow up on my previous disputes regarding the negative items on my credit report, which have yet to be resolved. Despite my diligent efforts and multiple dispute submissions, the erroneous entries remain on my Equifax report, negatively impacting my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

i am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report persuant to the fair credit reporting act ( fcra ), 15 usc 1681/ ( 7 ) under section 15 usc 1681 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation whithin 15 days of receiving a consumer dispute ACOOUNT NUMBER ( XXXX ) NAME OF ACCOUNT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without a written instructions. 



In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without a written instructions. 


In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without a written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is on my credit report with arb recovery services that is in a derogatory status. I had paid this account off with another creditor in XX/XX/2014. I contacted ABR Recovery services and they advise that they have removed me from their files and they have contacted XXXX  and reported to them that the account has been removed. This is still showing on my credit report months later. I tried to file a dispute with XXXX  and they report that the account is correctly reported on my file. I have filed a complaint with ABR recovery services and they advise that the issue is resolved on their end ( see attached complaint form from your office. ) I tried a second dispute with XXXX and their system will not let me file a complaint online. I am in the middle of trying to purchase a new car and can not because this negatively effects my credit. I have not had any issues like this until the XXXX breech. 
XXXX AND ABR RECOVERY SERVICES SEEM TO HAVE INEFFECTIVE COMMUNICATION.
Product: Credit reporting or other personal consumer reports

i recently reviewed my XXXX XXXX XXXX and Equifax report and see their unauthorized accounts i did not benefit from are initiate they are merchants ' adjustment XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a checking account with Chase bank in XXXX XXXX, CA in about XX/XX/year>. I just wanted a checking account. A week ago or so my son/XXXX  was looking at my online profile and he told me I had a Chase freedom credit XXXX ending in XXXX. I told him I don't have a Chase credit card, so we contacted Chase and they informed us this credit card was opened around XX/XX/year>. I have a feeling this was opened when I opened my checking account that same month, but I did not need a credit card. I had no idea I had a credit card and I do not even have the card on me. When I talked to Chase they said there was never any activity ever in the 18 months or so the card has been open. I never even activated the card and never received it. I closed it, but I don't want it to affect my credit score or anything. I am glad my son saw this as I am XXXX and can not be always checking. I had a XXXX 4 months ago so I need to know what is going on. I do not know the full card number because the online banking only shows the last 4 digits and it has no statements because the card was never used.
Product: Credit reporting or other personal consumer reports

Furnisher of information : XXXX XXXX Account # XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not havemy written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account listed above is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. 
Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified Experian, XXXX and XXXX that my credit report is reporting incorrect information in regards to XXXX XXXX  account. All 3 stated initially that the information is verified and correct. Experian specifically stated that within 24b hrs. of receiving the complaint. I factually know it's impossible for Experian to determine the correctness of the information within that frame of time. 
On XXXX and in XXXX I again submitted information to dispute the information but again without an investigation they rejected it.
Product: Credit reporting or other personal consumer reports

On XXXX I sent Self Financial Inc a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise. Also, reporting certificate of indebtedness on my report. which is considered income which can not be reported!
Product: Debt collection

This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX   interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges XXXX or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB XXXX XXXX and State Bar associations for violations of the FDCPA, FCRA , and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of [ name of your State ] medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 

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

SoFi bank uses XXXX as a way to connect outside banks for transfers/withdrawals/etc. My other bank, XXXX, does not support XXXX. SoFi does not allow you to manually input account details to send an ACH unless you're using XXXX. I am not able to withdrawal my money to my XXXX account. I contacted customer service twice, once they told me I needed remove the app from my phone, wait XXXX minutes, reinstall and try again. This, of course, didn't fix the problem. The next agent told me that I need to let my account " age '' before I was able to manually add an account ... my account is XXXX XXXX XXXX. This is only my checking to checking transfer via XXXX and I can't do it.
Product: Checking or savings account

I deposited a check and afterwards i put in a stop payment request XXXX day later, my account was put in negative by {$25.00} for the Stop Payment Request. I planned on putting CASH in my account well now when i try to login it says " Account Locked for Suspicious Activity '' i called Chase and i was told my account would be unlocked within XXXX hours.. its been XXXX hours and my account is still locked and ive gotten charged an overdraft fee now because of this. 

Never had any issues with this bank before but this is insane
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX  XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

On XX/XX/XXXX I received an email from Ally letting me know that my accounts were being restricted and to call them. I did thinking this could be a scam. turns out that they were freezing all my accounts and I could not acces them at all. 
Back in XXXX a friend XXXX me {$620.00} to pay for an XXXX house for our vacation in XXXX. Later in XXXX that same friend realized that someone had hacked her zelle account and made some transaction. She called her bank, XXXX XXXX XXXX and reported the specific transactions as fraudulent. This transactions where all made in the month of XXXX. She specifically told XXXX that my transaction was ok. 
XXXX ignored that and called my bank, Ally Bank and reported the fraud case. 

At that point Ally Bank froze my accounts. I had to call twice since the first person would not give me any information at all. When I talked to their specialists on my second call I provided all the information on the transaction and confirmed the name of my friend and Ally Bank said that should do it and should take 1-3 business days to clear it. After that time I realized my accounts were still frozen so called ally again and this time they just said they could not do anything and that it could take 30 - 90 days for the investigation. 
I asked what they needed and if they had done any work on it, the answer was that they could not tell me anything. The next time I called a coupel of days later a representative pretty much said that when I open an account with them I agreed that they could freeze all of them if they deemed necessary and that they were not responsible for any impacts on my end. 
I again asked what they needed and he said that the burden fell on me to prove that I didn't do anything wrong. I had to provide them with a letter from XXXX and contacts and have XXXX call them and provide them a case number and that even then, they could still take all that time. 
I had my friend called XXXX and they provided a case number but they also were not helpful and didn't want to own up to their mistake. We have been playing this game for 2 weeks. 
I don't understand why they didn't just freeze the amount that was reported fraudulent instead of all my accounts. When i asked to speak to a manager, I was sent to a voicemail and nobody has called me back. 
They did not have a problem allowing my paycheck to come into the account, even thought they wont let me even look at my accounts. This doesnt feel like is in the best interest of the customer and they are not doing anything to help clear this up even after I provided a ton of information for them.
Product: Debt collection

delmarva collections of XXXX md - XXXX XXXX XXXX XXXX XXXX md XXXX - XXXX this company is trying to collect a debt i believe i do not owe. i am not aware of any debt i should owe to one of their clients - XXXX XXXX XXXX {$24.00}. delmarva 's internal collection account number is XXXX and the disputed date of the disputed service is XX/XX/2018. i sent a letter to delmarva collections requesting information on the debt they claim i owe. i asked for information not an investigation. i asked for information that the federal trade commission expects collectors to provide as per 1.5 u.s. c. 1681 fair practices for debt collectors. 

i received a letter dated XX/XX/2018 from delmarva stating reference to their internal collection account XXXX they claim that i did not provide enough information about my challenge to this disputed debt. when in fact - i provided everything they could possibly need - i disputed the debt as " service not received '' this is easy to understand - they also state that they are refusing to provide me the information -- they must provide based on the previous stated ftc rule. i expect either for them to provide me this information about the disputed debt or release the debt from my name. this is unfair debt collecting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}, BankruptcyXXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX Court : XXXXXXXX XXXX VA XXXX, Bankruptcy XXXX Discharged XXXX Filed on XX/XX/XXXX Referencenumber : XXXX Court : US DIST CT, XXXX  XXXX bankruptcy XXXX XXXX on XXXX XXXX Reference number : XXXX Court : U.S. Bankruptcy Court, XXXX XXXX  Inquired XXXX XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXX XXXX Educational Systems XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 


I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law.

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 


Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

My families personal information along with my own was stored on databases/servers through websites using XXXX XXXX XXXX XXXX XXXX XXXX and other developer software/programs that tamper with the firmware. My devices were tampered with through my XXXX XXXX  that was connected to a device that stored other devices, which revealed unknown IP addresses that I reported to the FBI XXXX website. There were multiple websites and IP addresses that were stored on my devices ( XXXX computers, XXXX cell phones ( XXXX XXXX, a XXXX and a XXXX ), a XXXX XXXX ( connected to a XXXX server ) and tampered XXXX that show an XXXX device and XXXX XXXX running in the background even though I don't have that installed ) and I also found the same websites on my grandmothers XXXX and my nephews XXXX. Whenever a new device connects to the WiFi certain apps are tampered with. I have XXXX XXXX, whenever I make a call, it either drops, redirects somewhere else and/or shows a different caller id. When I log into accounts that have my social security number, bank accounts, password, e-mails, cell phone numbers and other personal information the apps or website would reformat or alter itself entirely. I found recurring XXXX XXXX XXXX XXXX XXXX that were made for stealing personal information and storing the data on databases/servers and I'm still dealing with it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX and XXXX accounts are still tampered with and they're connected to other applications that are also being tampered with.
Product: Debt collection

As I am reviewing my credit report, I noticed several inaccuracy on this so called debt.