23daVinci/CFPB_Complaints huggingface dataset:
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.

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. 

XXXXXXXX XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXXt # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights unknown Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights
Product: Money transfer, virtual currency, or money service

Twice I attempted to cash a Texas XXXX XXXX check at XXXX XXXX and XXXX, both declined for reason XXXX : The transaction did not meet acceptance guidelines. When I requested and received my file disclosure report to explain why the check cashing was declined, it states : NO INFORMATION ON FILE. I am filing a complaint because whatever is hindering my check cashing needs to be removed and because this has caused tremendous inconveniences and costs regarding the cashing of this check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # A XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The term Credit transaction as defined under 12 CFR 1002.2 means every aspect of an applicant 's dealings with a creditor regarding an application for credit or an existing extension of credit ( including, but not limited to, information requirements ; investigation procedures ; standards of creditworthiness ; terms of credit ; furnishing of credit information ; revocation, alteration, or termination of credit ; and collection procedures ).

Under 15 U.S. Code 1681a - Definitions ; rules of construction, more specifically section ( d ) ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The account with XXXX XXXX  contains information, that I have highlighted in the attachments, that by law need not be furnished. Please remove all information that would be classified as a credit transaction from the XXXX account and permanently update it to paid as agreed. 

Let it be noted. I am not asking for a verification of the account. I am directing equifax to remove all information from the account that would be classified as a credit transaction information.
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

And 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 whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

Subject : Assistance Needed with Identity Verification and Credit File Access Dear Consumer Financial Protection Agency, I hope this letter finds you well. I am writing to bring to your attention a pressing issue regarding my access to my credit files with XXXX and Equifax. Despite multiple attempts to verify my identity as requested by both companies, I find myself continuously locked out of my credit files, which is causing significant inconvenience and distress. 

Since XX/XX/2023, I have diligently submitted the required documents including a letter stating my full name, social security number, date of birth, along with supporting documents such as my utility bills, driver 's license, and social security cardon XXXX separate occasions to each company via both their online upload portals and traditional mail services. 

Regrettably, despite my efforts, I have been informed by representatives that they are unable to locate the documents submitted. This lack of acknowledgement or confirmation from the companies is deeply concerning, especially considering the sensitive nature of the information being provided. 

Moreover, the automated phone systems implemented by these companies exacerbate the issue. When attempting to reach a human representative, the system fails to verify my identity, leading to disconnection before I can speak with a live agent. This automated process leaves me in a frustrating loop, unable to resolve my issue or seek assistance. 

Being locked out of my Equifax credit file due to unverified information further compounds the problem, hindering my ability to manage my financial affairs effectively and potentially causing harm to my creditworthiness. 

Therefore, I kindly request your intervention in this matter. I urgently need assistance in resolving the identity verification issue with XXXX and Equifax and gaining access to my credit files. Additionally, I seek guidance on how to navigate the automated phone systems to reach a human representative who can provide the necessary support. 

Your prompt attention to this matter would be greatly appreciated. I am hopeful that with your assistance, I can swiftly resolve these challenges and regain access to my credit information. 

Thank you for your time and consideration.
Product: Bank account or service

I submitted a CFPB complaint previously ( XXXX ) with Citibank alleging that they had failed to uphold the terms of their promotion by not paying out XXXX ThankYou points for the checking account bonus. They responded by telling me they would honor the promotion but that I needed to send in a XXXX form so they could verify my identity ( despite them already having done this when I opened the account ), and to call a number in their XXXX XXXX office after I 've sent it in. I sent it in immediately and have called several times but have always gotten a voicemail ( I 've left voicemails twice ), and have never heard anything back, which makes me think that they are once again trying to avoid paying out the bonus.
Product: Money transfer, virtual currency, or money service

We had a credit card that was originally with XXXXXXXX XXXX and then in XXXX it was sold to Comenity. When we got a bill to pay our credit card in XXXX. We paid it using our online bill pay to XXXXXXXX XXXX ( we had until XXXX to continue to pay to XXXXXXXX XXXX and they would transfer to Comenity ). In XXXX I noticed we had late fees and interest charges so I called XXXX and they said the money would get transferred to Comenity and to give it 1 or 2 billing cycles to resolve itself. XXXX payment also got paid to XXXXXXXX XXXX  and we had the same issue. We got our online billing system fixed to the new address, new company and new credit card number for the XXXX payment. So, our XXXX and XXXX payments from 2022 have still NOT BEEN APPLIED. We have been fighting with XXXX XXXX and XXXXXXXX XXXX to find someone who would help. We received NO help until I reported XXXX XXXX and XXXXXXXX XXXX to the CFPB. XXXX XXXX still would not cooperate and after much frustration they FINALLY sent out the " trace number '' so we could prove we sent the payment in XXXX and XXXX. XXXX from the XXXX 's office at XXXX has finally confirmed that XXXX XXXX did indeed receive the payment. They are saying they sent to Comenity but we are back to square one and Comenity is saying they didn't receive and need a " tracing number '' to track the funds. It has been several weeks and to this day I have not received the " tracing number '' nor has Comenity received the tracing number and Comenity will not credit our account and they continue to charge late fees, interest charges and have been affecting my credit report ( which was XXXX before this event ). It has been 7 months now since we made our first payment. This is insane and frustrating. I proved we made our payment to XXXXXXXX XXXX and they have yet to get Comenity to credit our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
-Bankruptcy XXXX XXXX, XXXX XXXX XXXX, has violated my rights.

-Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  ; US Sm Bus Admin ODA XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A states that 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, credit repair services, or other personal consumer reports

I have contacted Sagestream several times and no one answers, voicemails do not get returned, and its pretty annoying i submitted a simple request so not sure whats taking so long to receive confirmation. Maybe submitting it this way will get the result. Hopefully this is the last complaint I have to make because i DEFINITELY sent my ID with my request last time when they are claiming I didnt just so they dont have to do it.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX, Bankruptcy XXXX has violated my rights. 15 U.S.C 1681 section 602 A. Section 1 States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish a account without my my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five hard inquiries that I would like removed from my report that still seems to appear on my credit report that inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amex card, XX/XX/XXXX Also I have misspelling in my name in my personal information settings, and misspelling in my address also along with additional wording on to my name or address areas of the information provided for me that are incorrect. 
Also I had a card that recently closed that I am unaware of why it closed, XXXX XXXX card which impact my credit report as well as far as my credit age. 

Also it seems to me that most institutions such as XXXX XXXX and XXXX XXXX  have late updates as far as payment history and other reported updates and I've been having problems with my XXXX XXXX cards not being up to date with the payments as well so the reports are being updated pretty much late.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the company about them saying i was 18 months behind. 
I said i have been paying every month at the agreed amount, it has been taken out of my account every month they said the only way to take off my report was to pay in fool. Which is not what they agreed to. I gave the dates that we paid and they have records of all payments. Is says on the statement that we are on a payment plan.On their statement they have all our payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent Honda Financial Services a debt Validation letter. I received and unsigned response stating a Debt amount of {$0.00} dollars. Since this letter Honda Finacial Service have added negative and inaccurate information on my credit report. In addition to I was never provided full disclosure on any documents at the original of this so called " Loan ''. Pursuant to Chapter 15 USC 1681 ( a ) ( 2 ) ( i ) ( 2 ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition to pursuant to 15 USCa ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15 USC 1681 is the same as it is under 15 usc 1602 ( I ) which is the term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining, money, property, labor or credit '' Notice Congress said ANY card. This is the credit card I used to originate this consumer transaction. This should be removed from my consumer report pursuant to 15USC 1681a ( 2 ) ( B ).
Product: Debt collection

Spoke with someone named XXXX at XXXX. XXXX. When I told him that I don't agree with the debt, he told me I could either pay now or wait until judgment to dispute it in court. His exact words were, " I don't think the bank would make this up. '' When I referred to him as a customer service representative, he stated that he is a part of a litigation firm, inferring that he was an attorney, which I don't believe to be true. I was never offered a letter outlining the dispute and was given the impression that my only option was court or a payment plan. Additionally, the debt has passed the Ohio statute of limitations, therefore, suit can not be filed although he claims that such was happening. He was extremely rude and nasty, to make matters worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to properly secure my personally identifiable information, leading to a breach which exposed the information of myself and nearly half of all Americans. The public was not notified promptly, and Equifax executives used this opportunity to sell stock to protect themselves rather than the public whose information they abused. I did not receive any information directly on this and instead learned about it through news reports. Equifax is only offering one year of credit monitoring, which is completely inadequate since this breach will cause security issues forever for anyone whose information was leaked.
Product: Mortgage

I requested my mortgage payoff amount on XXXX/XXXX/XXXX and was told that I should receive payoff amount in 3-5 days. I called again on XXXX/XXXX/XXXX and was told that the payoff quote has not been generated and that a request was put in on XXXX/XXXX/XXXX. I called the bank again on XXXX XXXX, XXXX. They told me that my payoff quote was mailed out on XXXX XXXX, XXXX, and I should receive payoff quote on XXXX XXXX or XXXX XXXX. As of today 's date, XXXX XXXX, XXXX, it has not been received. I asked for payoff quote to be verbally given over the phone and was denied the request.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

My identity was stolen and many accounts was opened in my name without my Authorization. 
Ive been trying to take care of this issue for a long time and Im getting the same results
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. 
Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report : Account : XXXX XXXX ( XXXX XXXX ) Account # XXXX Account : XXXX XXXX XXXX  XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE