23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting or other personal consumer reports

Inaccurate in my credit report I put in a dispute with XXXX and a without any evidence of an investigation they left it on my credit report with no correct to my credit report. The dispute was for 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 sent an Identity Dispute letter to XXXX and it was received on XX/XX/2022 for my address and personal information to corrected and removed. It is still there. I sent the letter certified and the tracking number and letter is included in this complaint.
Product: Credit card or prepaid card

Prepaidgiftbalance.com is a scam. For XXXX my elderly mother purchased over {$1600.00} worth of cards - XXXX cards total - from XXXX ( XXXX ) in XXXX, UT. When we went to use them EVERYONE had already been spend at a XXXX in California ( we all live in Utah ). 

The XXXX web site does not assist with this issue online. They make you call XXXX. It took almost an hour to reach the first customer rep who " cancels '' the cards ( which is pointless, they've all been fraudently used and have a XXXX dollar balance ) and then transferred me to a " senior Fraud Specialist '' - well that's a joke. I stayed on hold for almost XXXX hours. 

There is no way to get help. My brother in law held for over XXXX hours and did get someone on the phone. She said it would take at least 90 days to resolve and she would be sending paper work out to him to fill out. But when you look online there are THOUSANDS of people that were not able to get help. 

This is outright theft.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the item, or inaccurate information, from my file immediately & send me the results to the address .XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax about me being a victim of identity theft and have ask them to remove the fraudulent accounts from my credit report along with the hard and soft inquiries that were made. Equifax has yet to remove/block all fraudulent accounts as stated in the FCRA they must do within 4 business days of receiving and identity theft report and dispute.
Product: Debt collection

Medical Data Systems has placed XXXX separate collection accounts on my credit report without sending any notification of a bill due. Medical services were provided by XXXX Hospital and upon discharge I was informed that any balance due would be forwarded to my address. I received XXXX statements from XXXX XXXX which stated that they were not a bill but an itemized statement of the cost of services provided. XXXX Hospital never sent another statement regarding any co-pay amounts or balances due. The account was forwarded to Medical Data Systems after 30 days of nonpayment. XXXX XXXX XXXX was contacted and they stated that we had XXXX separate accounts for payment of {$200.00}. We requested verification of the debt and tried to dispute. Instead customer ser/ice representative blamed us for not paying stating that ', " the hospital has no responsibility to send you a bill for any copays or balance due, you need to check with your insurance provider for any balances ''. We again attempted to dispute but they just requested payment. When then called XXXX who claims that the bills were sent to the insurance provider for payment and a balance due should have been forwarded to us for payment. As of XXXX/XXXX/2016 neither XXXX nor has Medical Data Systems provided a copy of the orginal statements to validate the debt. We have requested a copy approximately three times but can not get any docuemnts.
Product: Credit reporting or other personal consumer reports

The information on my report is clearly fraudulent and inaccurate ( please see attached ) By not removing these item ( s ) Transunion is in violation of my rights as a consumer as well as the FCRA
Product: Debt collection

Under FCRA Guidelines Southwest Credit System Violated My rights according to : 15 USC 1681 Section 602 : Right to Privacy 15 USC 1681 Section 604A Section 2 : Consumer Reporting Agencies Can not Furnish Account Info Without Written Instructions.
Product: Mortgage

XXXX XXXX XXXX, stated they would assist me in saving my home from foreclosure, when the mortgage services fail my several loan modification requests. Dual tracking has continued practice in case, I have submitted this claim with the courts. XXXX XXXX XXXX requested XXXX down payment, however no documentation was submitted by XXXX XXXX XXXX that they were action on my behalf. Never return any of my calls. I requested XXXX XXXX XXXX XXXX due to dual tracking practices by XXXX XXXX, Bayview loan, XXXX XXXX XXXX XXXX. I been dealing with dual tracking since 2010. Would really appreciate some real help!
Product: Checking or savings account

A couple months ago, I noticed an additional savings and checking account appeared on my online banking app from Wells Fargo. I never opened them. When I called them they refused to close them and said they'd deactivate them and monitor them. After several more phone calls they finally agreed to close them- they didn't, they sent me emails and letters saying the accounts were closed but when I went into a branch office today to close my actual accounts, they advised me that those fraudulent accounts were still opened, just deactivated. 
I told them to close all of my accounts as I no longer want anything to do with them. They said they couldn't close them all and I should call an 800 number tomorrow ... Saturday? 
This is fraud at its core! Wells Fargo- you're fired! This is the same behavior that you were sued for previously. The only reason you don't want to close those accounts is it was YOU that opened them without my permission! It wasn't a hacker like you claim... it was you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER  : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I contacted IC Systems Inc. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MN XXXX. Regarding a negative collection account for medical Bill 's that was reported to my credit report. This account was paid in full by my Insurance provider, and the amount owed was XXXX out. I was told by IC Systems that they could not remove the negative collection account from my credit report since the balance was recalled by the original creditor. I demanded that they remove this negative information from my credit report and they refused to do so. I attempted to dispute the information on my credit report but was unsuccessful. I have a letter stating that the debt will be returned to the original creditor but they will not remove it from my credit report.
Product: Debt collection

Last week I received a letter from Credit Control , LLC stating that they are a debt collector trying to collect a debt that I allegedly owe XXXX XXXX XXXX. 

I do not owe XXXX XXXX XXXX anything. I have never had any contract with or obligation to them. I dispute the entirety of the alleged debt. This is my formal notice to them to cease and desist all contact with me ( including spouse and family members ) from all sources other than the US Postal Services and that is if and only if, it is : 1 ) To provide documentation that validates the alleged debt, which should include all official, certified, unredacted documents, including all forward flow agreements, as well as the alleged original creditor information 2 ) To provide proof that I have any legal obligation to pay you or XXXX XXXX ) To inform me that you have zeroed this alleged debt and disassociated it from me 4 ) To inform me that you have removed all references to the alleged debts account number from all credit reporting agencies and that you have informed them to delete the same 5 ) To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector and/or 6 ) To inform me that you have issued settlement funds for violations for actual, civil, and/or statutory damages in an amount that is to be determined.
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. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a card account under an open consumer plan as late for any purpose.
Product: Debt collection

I payed off a debt years ago and yet I continue to get harassing calls claimed that I owe a debt and that I'm going to go to court. The latest calls have been from Phoenix Group XXXX According to the representative is ran by XXXX XXXX XXXX XXXX XXXX Not only am I getting calls but they are calling my work, my friends and family. I really need help in getting this to stop. It is adding tremendous stress to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted to the recent attack on Equifax resulting in the potential compromise of 143 million people 's private information, and used their tool ( equifaxsecurity2017.com ) to see if I was affected. According to the tool, they think that my information may have been compromised, and offered to enroll me in their XXXX XXXX program, but that would waive my right to participate in a class action lawsuit against them, so I did n't enroll. I checked my credit report, and everything seems fine, but I 'm still putting a 90 day fraud alert on my credit.
Product: Mortgage

I submitted all of my documents in a timely manner in order to close on my home in XX/XX/XXXX to XXXX XXXX XXXXXXXX. Although, XXXX XXXX XXXXXXXX was not on time with the deliverables to the closing agency ( XXXX XXXX XXXX XXXX I still ensure I responded and returned all of the required documents to them in a timely manner. XXXX XXXX XXXXXXXX is supposed to issued me {$75.00}. I e-mailed them and the closing agency XXXX XXXXXXXX XXXX  e-mailed them on XX/XX/XXXX to follow up with the refund of {$75.00}. I e-mailed them again on XX/XX/XXXXto follow up and they said they sent the check out the day before, but I still have not received it. I am requesting that they refund the remainder of the funds that is warrant to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times, I notified XXXX XXXX about this account. I emailed the President/CEO of the company and VP to request to have this account removed from my credit report. I've showed more than enough information explaining that this company stole my vehicle by having it towed instead of returned to me per previous correspondence saved on this site. This company has not only reported late payments, but also tried filing a repossession against me. How can you file a repossession when their XXXX XXXX, La branch manager had my vehicle towed and the company refused to locate it and return it to me as promised ( again in previous correspondence ) on this site.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : PAID OFF I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Today is XX/XX/XXXX. I have a bill due for housing, I thought it would be an easy transfer of funds. I called Keybank at XXXX and asked for the ABA number and my account number to make the transfer. After a 20 minute hold the man who answered said it I wasn't entitled to transfer money unless I signed up for bill pay and gave me the number for a separate bill pay department within Keybank.From XXXX to XXXX I was transferred twice within the bill pay department and told to call the bank I wanted to transfer the money to and see if they could help. Without the ABA number they could not. That call took 5 min ( XXXX XXXX ). At XXXX after trying to sign up online for bill pay and receiving a message to try customer service I tried that number. 
XXXX transferred twice within the department and then given the number I initially called which was on the back of the card, XXXX I was on hold and then told there is a separate department that handles unemployment benefits and that was the key2 benefits department again a number I had tried many times. This time the person offered to walk me through the online system with the same results. The automated system would not let me set up an account. 
He suggested I call the number on the back of my card again but this time chose the option for a lost card as that would get me faster service. I did that, again the agent walked me through the service this time telling me I could not use my name as the user name, nor could I use social security number, birthday -none of this is on the website. It just comes back as a red screen, it does not tell you how to correct the problem. When I told the agent that, I had been using my name, she said ( of course ) this happens all the time. Even with her instructions I was not able to create an account, this time a new message came up INVALID and to call another number. She could not transfer me so I called now an Online Banking department who suggested a take a cash advance, but I can not send cash to my landlord. He redirected me to customer service, the agent there again walked through the key2benefits website and after it did not work she said she would put in a ticket, which would take 48 hours to process and I could try again then. I asked for a ticket number or something I could reference if it did not work after 48 hours. She could not give me a reference number. I asked if I had to call back in 2 days, would the representative have any notes from the last 4 hours I have spent on the phone and she said no they would not. I tried to call a local branch, as did the XXXX XXXX banker but bc of cover they are not answering the phones, it says you can set up an appointment online. When I went online to set up an appointment there were no available times for through XXXX. It is now XXXX, and I have tried for 5 hours to transfer my unemployment funds to secure housing.
Product: Debt collection

My sister got a call on XX/XX/XXXX from a a company claiming to be XXXX XXXX XXXX XXXX XXXX  and gave her a file number and told her to relay the message to me and call them at ( XXXX ). I called them back and they told me they were trying to collect on a debt I settled with XXXX XXXX XXXX in XXXX. They told me I had 24 hours to fax them the info to ( XXXX ). And if I had any other questions to call XXXX XXXX at ( XXXX ). I called XXXX the next day and asked if could get the address to their location. He refused to give me the address stating they work from home due to covid. To settle it I faxed them my papers that I had paid it off in XXXX. When I originally spoke to them the first time they had all my information ss number and all
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We have been struggling with our mortgage company and its servicers for 8 years. We have attempted numerous loan modifications, settlements, and uncovered improper loan securitizations on their part. We are hoping for a resolution. On XXXX XXXX, 2016, I received a certified letter from XXXX XXXX XXXX with a notice of foreclosure. The first newspaper publication is scheduled for XXXX XXXX, 2016. The same letter lists the information that the statute requires a 10 day notice before the first publication. As you can see, we 've only been given an 8 day notice before the first newspaper publication. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute an inaccurately report on my credit file. As a responsible consumer, I have always diligently managed my financial obligations, and I firmly believe that this account entry is not valid and should be removed from my credit report. I have thoroughly reviewed my records, and I can confidently state that I have never had any financial dealings or accounts with the aforementioned creditor. The entry appears to be a result of a reporting error, and I urge Equifax and XXXX to investigate this matter promptly. 
I have rights under 15USC 1681. XXXX and Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand this account listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give Equifax and XXXX any written permission to furnish this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX