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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX ... Account # XXXX XXXX XXXX Account # XXXX 
XXXX... Account # XXXX XXXX.. Account # XXXX XXXX XXXXXXXX ... Account # XXXX .... XXXX XXXX XXXX # XXXX ... XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX ... .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 instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Checking or savings account

I have had two free checking accounts with First Citizens Bank for several years. In XXXX, they began charging a {$18.00} fee to the two accounts. I am requesting a refund of the XXXX {$18.00} fees and no additional fees for free checking accounts.
Product: Credit card or prepaid card

i sent to many time by the credit bureaus a FTC report and they just verified my account, and this account isn't mine, this is fraud.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( s ).
Product: Credit card

I am disputing the fraudulent activities.I was told to provide information that i XXXX XXXX XXXX have and I was also told because it is over 60 days that I am responsible. You are absolutely correct, I opened a secured credit card at the branch. However, there was fraudulent activities into my account because I was notified by your fraudulent department Tel # XXXX. Due to so much XXXX  tape. While I was recovering. I offered to pay off the fraudulent balance in order to protect my credit. Your fraud department -- still has an ongoing investigation. Again and again, I am disputing it and also requesting my signature, and the complete itemizes bills. Your fraud department is an asset to your company. Thanks!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account XXXX XXXX NUMBER:XXXX  [ Account XXXX XXXX XXXX  NUMBER : XXXX [ Account XXXX XXXX XXXX NUMBER : XXXX [ Account XXXX XXXXXXXX XXXX NUMBER : XXXX { Account XXXX : XXXX : NUMBER : XXXX { Account XXXX : XXXX XXXX NUMBER : XXXX { Account XXXX : XXXX  XXXX, NUMBER : XXXX [ Account XXXX : XXXX  XXXX, NUMBER : XXXX { XXXX XXXX  XXXX, NUMBER : XXXX [ XXXX XXXX XXXX, NUMBER : XXXX [ Account:XXXX XXXX XXXX, NUMBER : XXXX [ AccountXXXX XXXX XXXX, NUMBER : XXXX [ Account : XXXX XXXX XXXX, NUMBER : XXXX { Account:XXXX XXXX, NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). 
Notification of the correction to any person who has received my credit report in the past XXXX months. 
I expect a written response within the next XXXX  days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) ( XXXX  XXXX XXXX, XXXX ) ( XXXX XXXX XXXXXXXX, XXXX, XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring service with Experian. The member # is XXXX. I have no lates since my Chapter XXXX filing XX/XX/XXXX. All lates according to Experian 's XXXX XXXX show pre filing. The monitoring service on XX/XX/XXXX modified the time since negative from XXXX years to .1 years. this caused my score to drop XXXX points from XXXX to XXXX. Saturday XX/XX/XXXX XXXX. This is negatively affecting my credit worthiness and is in violation of FCRA. THe time since negative used in their scoring model of .1 years is wrong as is the 6 lates that is related to 1 account and is almost XXXX years old and they refuse to correct the only 1 account late. THey feed the creditors time late 6 in last 2 years which is also incorrect. This is negatively affecting me and Experian refuses to correct these errors with the scoring and monitoring service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are numbers of inaccuracies and inquiries on my consumer report that still remain. 

1. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX 2. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX 3. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but Experian and XXXX are reporting I paid on time. 
XXXX  XXXX Account Number : XXXX 4. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but Experian and XXXX are reporting I paid on time. 
XXXX XXXX XXXX  Account Number : XXXX 5. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account XXXX : XXXX 6. This charge-off is past the statute of limitations in my state of Florida for them to legally collect from me. Since they can not legally collect from me, having a past due balance is inaccurate and illegally reporting since charge-offs can not have a past due balance. 
XXXX XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Product: Debt collection

A recent overview of my credit report revealed that Diversified Consultant, is appearing on my credit file. So I sent notice to this company that they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Diversified Consultant is continuing to report negative information on my credit report, even after they have failed to provide validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to dispute something on my credit report and when I went to my account it said I had to call Equifax. I have called several times and got to a human being once who, after verifying myself and gave the correct code, refused to help and then sent me back to the main menu where I spent 20 minutes trying to get past the automated system that kept saying it did not understand me and kept looping me back to insert your social security number. By the time I got through they were closed. I am tired of dealing with all the credit bureaus because all they do is leak peoples ' personal information and have XXXX security and are on the news constantly about this being hacked and that being leaked. They all need to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$6600.00}
Product: Credit reporting or other personal consumer reports

Yes I filled a complaint on this company for violating FCRA laws and they let me know they would remove the account from my credit report. However they have not remove it from XXXX.
Product: Credit card or prepaid card

On or about Monday, XX/XX/2018, I submitted a XXXX orders from XXXX 's to be shipped to my granddaughter, to XXXX, NY. I put the wrong billing address for the bill to be paid on my charge card. I have called on several occasions to correct the problem. I am told it is to late. The problem is I don't want my credit card number going to this address. I have spoken to several workers, XXXX, XXXX XXXX and XXXX XXXX. 
I am told they have fixed it and I should be getting an email since Monday. ( XXXX ). The order number is XXXX. When I called today it is the same problem.
Product: Debt collection

I have received a letter on XX/XX/XXXX from Wilber and Associates, P.C regarding a claim dated XX/XX/XXXX. This claim was settled and paid in full in XX/XX/XXXX. 

First payment was made on XX/XX/XXXX in the amount of {$2700.00} Last payment was made on XX/XX/XXXX in the amount of XXXX I called the company and ask them why were they sending to letters to my son and my husband for the same claim. I ask the manager to please stop sending me letters since the debt was paid in full last year. 

The manager said I still owes the money and i will continue to receive letters until i pay the rest of the money. 

This is fraud, since we had settled, i don't understand why after a year they are asking for more money
Product: Credit card

Hi, I have XXXX XXXX XXXX XXXX issued by Barclays bank. I tried booking flight tickets through XXXX website today at XX/XX/year> at around XXXX for USD XXXX. 
My transaction was declined XXXX times. I called Barclays to solve this issue as thats the issuer bank and their customer service number is provided on the back of the card. 

The customer service rep told me that everything looks on their end and I should contact merchant, which is XXXX in this case, and mastercard. I contacted merchant and they told me its your card issuer bank, which is Barclays, who you need to contact. I tried mastercard but i reached a deadend as they are not recognizing my card number and asking to contact card issue bank. I am in a loop now without any help. I have attached XXXX chat, barclays call happened over a recorded line. 

As an card issuer bank isnt this Barclays responsibility to fix this? Even if the issue is with mastercard why should I contact mastercard? No other bank which includes XXXX, XXXX, XXXX  has asked to contact the network directly. 

This is the second time I am filing a complaint with this card. It sounds like a complete incompetence on this card and I am sorry to say but a fraud ring going on where they charge me XXXX as a card fee to provide bad service and not fulfilling the promises that were advertised to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

please be advised that experian, and XXXX and equifax has the following collection account : ( XXXX ) absolute resolutions i is reporting this unknown collection account on my credit report- balance of XXXX i never had any account with this company and requested the credit reporting agencies to delete the account from my credit reporting file. it should be noted that this inaccurate reporting has affected me greatly. please delete account immediately. 
( XXXX ) XXXX XXXX XXXX also incorrect data being reported by the same credit reporting agencies. they has not reported XXXX  account history as 100 % accurate, please delete account from my credit file because it has stopped me from getting credit from a potential creditor.
Product: Credit reporting

To whom it may concern, My wife and I owned a condo that was foreclosed on. The deed was taken over in XXXX of XXXX. The property/deed sold to a new party on XXXX XXXX, XXXX. At that point we should have no ties to the property/asset. Experian reports property was foreclosed XXXX XXXX. 
The latest information on our credit report shows that the credit union that we had the mortgage under has been reporting a " failed to pay '' from XXXX XXXX up to the present date. Our understanding through loan officers is that the said credit union should have discontinued any reporting after the foreclosure date occurred. 
Our correspondence from the credit unions Senior Recovery Specialist was as follows : Based on this investigation, ( Credit Union ) response is that the information you have disputed is both true and correct according to all available documentation. As such, no corrections will be submitted to the credit reporting agencies and any electronic disputes would be resolved as 'Correct as reported. '' Can this issue be resolved through the credit union or does it have to be resolved through each credit reporting agency? 
I 'm not sure if this affects the credit reporting. However, I did find out that our condo was recorded in the XXXX XXXX Department of Assessments with an OLD address. I was able to have them change their records to match up the parcel number with the newer updated address. The parcel number now matches the address listed at the credit union. 
We appreciate your assistance.
Product: Credit card

To whom it may concern Im a XXXX person who a victim of identity theft.Ive been trying to get this account off of my credit profile through XXXX disputes because this account was opened without my knowledge and I called the fraud department about the issue and they keep telling me they have no record of the account but it is still on my credit profile and my disputes keep coming back verified Ive never received any mail or notices from this creditor so it should have never been opened or reported to my credit. The date it says was open XXXX XXXX status closed. It had a credit limit of XXXX dollars. The contact info is po box XXXX XXXX, OR XXXX Phone number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was completely shocked to discover inaccurate accounts on my credit report this afternoon, and I have no idea how this happened. I check my credit report regularly, and this time, there were discrepancies that just appeared out of nowhere. I even refreshed the browser, thinking it was a mistake, but the errors were still there. Because of this situation, Im asking for a thorough review of the documents Ive sent to ensure this issue is resolved once and for all.