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

In accordance with the Fair Credit Reporting act XXXX  Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX request Please see below a copy of the letter I sent to Belk XXXX. XXXX XXXX XXXX FL XXXX, regarding an account that is still reporting negatively on my credit reports. Belk XXXX. XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Belk, Please see attached a copy of the letter sent from XXXX. XXXX XXXX whom represents XXXX XXXX XXXX XXXX ( Office of General Counsel ), this is whom this Belk, account # XXXX, was sold to. Please see the highlighted areas on the letter that indicate that they have sent notification to have the account removed from my credit file. As of XX/XX/2019, Belk is still showing on my credit file. I am requesting for it to me removed immediately. XXXX XXXX XXXX ** I have attached a copy of the letter from the office of the general counsel**
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Their response is not relevant and it is misleading. 
Because they are showing a contract from XXXX. 
My lease was over. And I did not renew my contract. I did not sign it. 
I told them I was moving in writing and the basically ignore me. 
They are Fraudulent!!!! 
I have the documents
Product: Consumer Loan

We opened an account with Freedom Funiture in XXXX paid as agreed and refinanced in XXXX. We paid as agreed until we became unable to pay the full amount in XXXX. We made an agreement to pay a lesser amount per month and kept paying via allotment. Freedom got a judgement against us while I was training. I was not served with the judgement prior to court or after ... I was informed of it when my wages began to be garnished. They got the judgement in XXXX VA. XXXX # XXXX Filed XXXX. 
I did not sign a contract in VA I signed my contract in GA. They garnished my wages causing finacial distress. I was able to get that stopped through XXXX. However the judgement remains and has severely damaged our credit preventing us from buying a home and upgrading our vehicles. We have asked repeatedly to have this issue fixed based on the fact that the judgement was not served on me ever and the fact that they have caused so much financial distress and ruin. We were told we 'd have to go to VA to fix it. We have in total paid this company nearly {$25000.00} over the last 11 years. for a couch and loveseat, computer hutch, table and chairs. the furniture has not lasted however the payments and ruin continue the judgement says we still owe XXXX. We need assistance as we have tried every other step possible to fix this without aid.
Product: Debt collection

I made a previous complaint about this company, and they are continuing to engage in XXXX making it impossible for me to negotiate my settlement. Im represented by national debt relief and they emailed me that I needed to give them a power of attorney, and they will not tell me any instructions on how to do that or supply me with a form for such and our threatening to proceed with their harassing collections if I do not provide a power of attorney, which I do not know how to provide and dont have. further, I have emailed them numerous times asking that they advise me on this an email and they will not do it and they also lied and said someone called me yesterday and would call me at the same time today and that did not happen. They have not given me a number to look out for and nobody has left any voicemail saying the representing Balance credit.
Product: Credit card or prepaid card

Hi. 

I transferred my funds via the bank transfer option available on the Way2Go website. I provided the correct routing and bank account number. Ive waited and waited, and it has been more than enough time for the funds to show in my bank. Ive asked my bank, and they dont see anything either. 

However, on the card activity, it shows Transfer ( name of my bank ) /cleared. 

The money is literally missing. And there is not one single way to speak to a human being. Ive called and been going around in circles with people giving the same numbers, which either say they are not in the same department, OR its a complete automated line. 

Finally I found ONE customer service number that actually seemed I was going to be able to speak to a human. I called, and I stayed on hold for 20 minutes. A generic recording telling me all our representatives are busy, please continue to hold. I completely understand it takes time and have no problem waiting. However, it started to seem as though there was not even anybody on the other end at all. The same recording and horrible waiting music continued for 20 minutes and I hung up. 

I have no way to find where they put my money. The card balance is {$0.00}, so the funds went somewhere. But where? Its not possible to ask a human to look into the details to see if there was an error, if its gone into someone elses account, etc. I am not a difficult person, but this is just absolutely ridiculous. 

How does money disappear into cyberspace? Why is there not any possible way to get actual help when these things happen? At this point, I am more upset that there absolutely nothing I can do about the missing funds. This is child support money. I am living paycheck to paycheck. My power bill and car insurance is due. I need help. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX  months ago I order few items from this company call XXXX  the payment method was monthly instalment I provided my debit card so the can take the payment out Till XXXX month later I received notice from Experian was and updated on my credit report I log on and I see a XXXX points drop which I was shocked I call the company affirm and I ask what happened they said they could take the payment out of my card and I said why u don't call me or email me they don't answer me so I pay of the balance and they supposed to correct my report but the never did
Product: Credit reporting or other personal consumer reports

I told Experian, reinvestigate this accounts : Account name : XXXX XXXXXXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

I have sent Equifax several disputes on inquiries that are listed on my credit report that I did not authorize. I told them that is was a violation of the Fair Credit Reporting Act Section 168b ( c ) and that it was a serious breach of my privacy rights. Equifax keeps responding back saying that the inquires are factual records of file access. These inquiries are unauthorized and i want them deleted immediately. They are non account holding inquiries that the refuse to investigate and delete. I have wrote several of these companies and just within a weeks time I have received returned letters back because the mail is undeliverable and these are the addresses that I got from my Equifax report for these companies. How can they verify these inquiries if they are sending me undeliverable mail back. Equifax is not investigating my report correctly.
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. Account Name : XXXX XXXX  Account Number:XXXX  2.Account Name : XXXX XXXX Account Number:XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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.
Product: Debt collection

After checking my credit score I came across an inaccurate delinquent account under my name via XXXX. The account was made by fraud. I've disputed the account but nothing has been done to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter for the XXXX  XXXX XXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately. 
According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. 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. Also, the XXXX  XXXX XXXX account number is not reporting the same for all 3 credit bureaus. These violations have caused damages in my family 's life. I would like this account to remove. 
Here is my account information to us during the investigation into this matter. 

Transunion Account Name : XXXX  XXXX XXXX Account number : XXXX Reason : inaccurate information and failure to update XXXX Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same. 

XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit card is not my -THD/CBNA XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit card

I've consistently maintained prompt payments on this account, preventing any occurrences of overdue payments. I'm uncertain about the cause of the late payment remarks appearing on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

I have been a Bloomingdale 's credit customer for 10 years and have paid my bills IN FULL for ten years every month. Same with Macy 's ( even longer ). Bloomingdale 's de-enrolled me from online bill pay without my authorization on XX/XX/2021 causing the payment that I set up for {$130.00} on the same day to not go through. Then they somehow re-enrolled me BACK into online bill pay ( again without me doing anything on my end ) but not before using the " missed '' payment ( their mistake ) as an excuse to reduce my credit limit from {$1500.00} to {$200.00}. The payment that I schedule on XX/XX/2021 to clear on XX/XX/2021 was never processed due to their error. The subsequent payment that I made for {$160.00} on XX/XX/2021 went through ( even though they CLAIM that I de-enrolled from online bill pay on XX/XX/2021 ). My linked bank account still show on their account page and I still show as enrolled in online bill pay. Either my account was hacked or more likely, Bloomingdale 's had a glitch that they will not admit to. This is affecting my credit AND my ability to do business with the store. I have spent at least 5 hours over two days trying to straighten this out. If I didn't care about my account I would not be exerting such effort but I was wronged and this needs to be corrected and my credit limit needs to be reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove by the credit bureaus in my credit file right away : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 UCS1681 section 602 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 and XXXX and FICO are consumer reporting agencies and i am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC6801 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. Furnisher of information to credit agencies is a financial institution by definition under that title 15USC 1681 sec. 604 a sec 2 states that in general subject to subjection ( 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. Furnisher of information to credit agencies, the financial institution and the consumer reporting agencies Equifax, XXXX, and FICO do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and FICO, Furnisher of information to credit agencies whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15USC6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to consumer can exercise that non-disclosure option. Furnisher of information to credit agencies, never informed me of my right to exercise my non-discloser option. Not only that 15USC 1681c ( a ) ( 5 ) states Except as authorized under sec. ( b ) no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15USC 1681s-2 ( A ) ( 1 ) a states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec. 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under sec. 1681b of this title. Equifax XXXX and FICO
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX  XXXX Balanced Owed : {$2600.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Checking or savings account

XX/XX/2017, Bank of America had closed the company business checking account and the remaining balance of {$7500.00} was not returned to account holder.

I had called Bank of America Customer Services many times, long waiting on the phone, no specific reason given why account closed and finally hang up customer calls. Even sent to a couple written letters directly to Bank of America by U.S. Postal Certified Mail. Months had passed, Bank of America did not reply. Land line calling many times, customer service put me on hold for hours and later disconnect the line.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent charges on my credit card account back in XX/XX/2017. I reported it as fraud. It shows fraudulent on the bank statement, but the issue apparently wasnt resolved like I was lead to believe. Due to this still being on my account the bank which is Bank of America reported this account to the credit bureaus as a charge off. Ive contacted the bank regarding this as well as the credit bureaus. One of the credit bureaus fixed it in their system but experian is stating that Bank of America is telling them not to remove the wrong information. When I try to contact Bank of America regarding this I cant reach anyone about it instead Im transferred for 2 to 3 hours back and forth having to explain the whole situation every time to the different departments. This has happen multiple times. They refuse to make this right and keep giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.