23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting an account on my consumer report without my expressed written consent. I am a consumer who is not in contract with EQUIFAX and I do no consent to the reporting of XXXX XXXX on my consumer report. 

This is a violation of my privacy rights and a violation of 15 USC 1681b Permissible purpose of consumer reports. Under 15 USC 1681b ( 2 ), EQUIFAX can only furnish this account with my expressed WRITTEN consent. No consent is identity theft under Federal Law.

I initially notified EQUIFAX on XX/XX/XXXX, and followed up with that notification on XX/XX/XXXX. EQUIFAX sent me an automated e-oscar response dated XX/XX/XXXX stating " We verified that this item belongs to you. This account has been updated... '' In my initial notice I state that " An automated response or e-Oscar verification is unacceptable. '' I notified EQUIFAX of their violation of 15 USC 1681b Permissible purpose of consumer reports because they do not have my expressed written consent. And they have failed to comply with the law. EQUIFAX now has reasonable cause to know that the mentioned account is being reported without my consent.
Product: Credit reporting or other personal consumer reports

From XX/XX/year> to XX/XX/year> XXXX  allowed fraudulent inquiries to obtain credit under my name and social. 
XXXX XXXX  and net credit are the other ones that I did not authorize. I am trying to build my credit and once I got it to around XXXX  someone without my permission started trying to open accounts daily, weekly, and monthly. I am trying to get them removed and the company will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting and XXXX, the following account numbers listed violated my privacy. 
Account Public record ( Bankruptcy ) Reference number : XXXX, Collection accounts : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Inquiries : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX 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 instructions.
Product: Debt collection

We have sent two separate letters by Certified Mail asking GreenSky requesting to Cease Further Communication. The first letter was sent XX/XX/20 and the second was sent XX/XX/20. They call my husband every single day. They call myself, they call my daughter 's boyfriend, they call my brother in law. It's gotten ridiculous.
Product: Credit reporting or other personal consumer reports

This is a DEMAND TO COMPLY LETTER with written instruction as it relates to me, the consumer, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act, it has been established by Congress that your agency 's role is to adopt reasonable procedures to ensure fairness, impartiality, and a respect for my right to privacy for maximum possible accuracy. 
Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because, as I have shown within my attachments, there has been inaccurate and unverifiable information removed from another consumer reporting agency but has not been removed from your system. 
You should be aware that your failure to maintain reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to the Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. 
Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. 
However, this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. 
I demand this account to be removed from my consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). 

Account name : XXXXXXXX XXXX opened on XXXX with a balance of {$3000.00} Remove this account UNDER PENALTY OF PERJURY. Delete this account for violation of 15 U.S. Code 1681e, failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S.

Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241.

I am demanding my remedy for your willful noncompliance for each violation of law.
Product: Debt collection

Capio Partners LLCXXXX XXXX XXXX XXXX XXXX XXXX is illegally operating in the state of Ohio XXXX 
They are not licensed with the XXXX in the State of Ohio. 
I have never had contact with them and all of a sudden I am being harassed at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

received credit report from experience and they would not remove the fraudulent XXXX account and two others
Product: Credit reporting

XXXX, has Fail to validate at my request on XX/XX/XXXX there is no date of last payment, the last payment made was XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

on the XXXX of XX/XX/2018 i sold my bitcoin using coinbase and since them i have not been able to withdraw my funds. i have been lied to over the phone when i asked how to withdraw my money. i tried to link my account using XXXX payment where i uncured charges from my own bank account on the XXXX XXXX. i have still been unable to withdraw my funds,
Product: Credit card or prepaid card

I took out a cash advance for {$17000.00} on XX/XX/XXXX. This transaction had a 4 % fee cash transaction fee of {$680.00} and came with a promotional rate of 0 % that had an expiration date of XX/XX/XXXX. I have been making payments towards this cash advance periodically and made the last three payments as follows : {$1900.00} on XX/XX/XXXX {$2000.00} on XX/XX/XXXX {$39.00} on XX/XX/XXXX I also took out a new cash advance for {$8000.00} on XX/XX/XXXX with a 0 % promotional rate that expires in nine months. 

From my XX/XX/XXXX statement, I see that my payments have not been applied correctly. I have been charged an interest of {$56.00} calculated at an exorbitant rate of 22.99 % on a balance of {$2800.00}. 

Again, in the XX/XX/XXXX statement, I have been charged an interest of {$160.00} calculated at an exorbitant rate of 22.99 % on a balance of {$8400.00}. 

I have asked the bank to review my account and refund me the {$56.00} plus {$160.00} in interest charges that are not legitimate. Also, I want the bank to confirm I will not be charged any interest on the {$8000.00} cash advance until the expiry of the promotional period. 

I have written a letter to the bank on XX/XX/XXXX and have not had a reply yet. 

I have sent them another complaint as detailed above.
Product: Credit card or prepaid card

Tried making a payment to my credit card and the payment returned due to financial institution information being entered incorrect. In the result of my account being 60 days pass due Wells Fargo Closed my account. As of XX/XX/2018. spoke with a representative that same month around. XX/XX/2018 in the executive office confirmed account was closed and my collteral would be relsease from the clos our date of. XX/XX/XXXX. Wells Fargo opened my card in XXXX I was not notified and incurred fees on the account. card reckoned again in a XXXX and now Wells Fargo is stating I owe a XXXX balance but reported to my report different amounts and is not trying to resolve my issue.
Product: Debt collection

I graduated from XXXX XXXX XXXX  XXXX in XXXX. All of my tution and book was covered by a student loans that I took out with XXXX. I never took out any personal loans with XXXX XXXX XXXX  XXXX. In XXXX I was notified through XXXX that a collection was placed on my account. The collection agency name is receivable colletions located at XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX. I contacted the collection agency and notified them that I do not owe this debt. I never took a loan out directly with my XXXX XXXX XXXX. I was given a document showing that I defaulted on payments in XXXX. Which I dont agree with because as I stated earlier all my tution and books were covered under the student loan that I took out with Navient XXXX I notified Receivable Collections in XXXX that the debt should be remove the default date is XX/XX/XXXX it is now XXXX and they refused to remove the debt. It has been over 8 years from the default date. Receivable Collections is reporting a different date to the XXXX so the collection account can stay on my credit longer. I have lost several opportunities because of this collection being on my credit report.
Product: Checking or savings account

XX/XX/XXXX 1 year CD in amount of {$50000.00} matured. They were contacted by phone by myself at that time and told to issue a check for the balance which was {$50000.00}. I was told that I should receive the payment by mail in 10-15 days. No payment was received. 
XX/XX/XXXX ( approximately ) I contacted them again and told them I have not received the check. I confirmed my address and they said they would stop payment on check and issue another one and I would receive it in another 10-15 days. 
XX/XX/XXXX after not receiving anything I called again. They said they had the wrong address and they would start an investigation. They would not divulge what that address was only that it was wrong. It is impossible to believe as I have received monthly interest checks for this account for the last 12 months with no problem. Additionally all mail correspondences from Citibank have come to my correct address. They said they would stop payment and issue me another check. 
XX/XX/XXXX after not receiving anything I called and they said they would send out a third payment via XXXX expedited service and would get the check in 24-48 hours. 
XX/XX/XXXX I called again after not receiving anything and they said that they did not send out the payment with expedited service because they were dealing with the cancelled first two payments. Now they say they will again send out payment with expedited service and I would receive my check in 24-48 hours once again. 
XX/XX/XXXX after not receiving anything I called again. They said they had to check with the back-office to see where the check was. Once that was done, they would expedite 24-28 hrs. No check received. 
XX/XX/XXXX Called again. No check sent, still checking with back-office. Indicated it would take another 10-15 days from XX/XX/XXXX. 

Even though, they state they take " notes '' as to each phone call I make to them, they have not knowledge of previous service reps claiming any type of expedited service. Although they claim that each phone call is recorded, they never have the ability to go back and listen to what was said by the previous reps that I have spoken with. I have lost 2 months of interest on this money and I do not know if, when or at all I will ever receive my money from them. They repeatedly tell me to visit my local bank branch. I keep informing them that there are no local branches for Citibank here in AZ. In attempting to contact a manager at a local branch in New York I have called twice and left messages with no one ever getting back to me.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must remove the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to block information on my credit report I disputed, I was a victim of identity theft and provided my identity theft report via the financial trade commission and a police report
Product: Checking or savings account

I have a joint checking account with my girlfriend with Simple. She also has another personal account with Simple. She requested paper checks on her personal account. 
The checks were sent. The checks were not received. She reported that they were not received. Simple sent a notice that she must contact them within a week ( I think ). She responded to this message online. She did not respond ( via phone ) to this message within the time frame. They did not call her about this. They closed here personal account. They also closed our joint account. They are going to mail the funds in the form of a check, once the interest due is calculated and paid out. This won't happen until XX/XX/XXXX. Her money, and our joint money, is locked up for nearly a month! They refused to open another account to prevent the joint account from being closed. They refused to send a check for the current balance now, and with the interest later. They refused to let either of us talk to a manager. We are in the middle of a refinance our our home mortgage, and we were going to use these funds for this, so the refinance will not be able to proceed. They way all of this was handled by Simple is absolutely unacceptable.
Product: Debt collection

I looked at my credit report on XX/XX/year> and noticed something is incomplete and inaccurate According to the. Fair Credit Report Act. A consumer reporting agency reasonably procedures these accounts whenever it prepares a consumer. 
please reinvestigate again the flowing account reporting experience. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting 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 Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  ) XXXX Balance : {$1400.00} CXXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX  A ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX XXXX ) XXXX-XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX CREDIT CARD ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This follow-up complaint aims to resolve the issue of remaining items on my credit reports. Again, it was observed that previous items remained unaddressed. The following details are the items identified for removal : -- -- -- -EXPERIAN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I request the removal of these items in accordance with the Fair Credit Reporting Act. Should any other items not listed here exist, I ask for their prompt removal as well. According to Section 605B ( a ) of the Fair Credit Reporting Act, any data initiated without my consent, knowledge, or authority is required to be deleted within four business days, given the submission of ( 1 ) proof of my identity, ( 2 ) an FTC report copy, ( 3 ) my identification of such information, and ( 4 ) my statement disputing any transactions related to me. My latest FTC report, # XXXX, is attached for your reference.
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. 

XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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: Mortgage

I contacted a real estate agent at XXXX XXXX XXXX in XXXX, OK about a HUD property. XXXX weeks after signing contracts the agent ( XXXX XXXX ) " quit '', said I was reassigned to another agent ( XXXX XXXX ) and they referred me to US Mortgage. I had a preapproval from another lender who required utilities on during inspection so we could n't move forward. Other concerns followed but concern now I escrowed monies to pay for plumbing as part of the FHA loan. This was financed in my FHA loan ( XXXX XXXX, 2015 ). Almost XXXX months after loan closed the plumber called me to report he had not received his payment. I contacted XXXX by phone and email to find out why this amount was not paid and for documentation where all monies I escrowed in were applied. She said she would follow up, contact me next day but she has not called me, nor the plumber back. This was typical ( not calling back - ever ) throughout the loan process. I 'd call agent at XXXX XXXX with question, agent would say for me to call the XXXX at the mortgage company. I just waited until I closed not to lose the property or my earnest money. This time however the plumber is calling me about payment I paid at closing. I would like to know who else to contact so I can file a complaint. I 'm not sure if US Mortgage is local ( XXXX ) I never went there nor could find an address online or correspondence. Faxed and Email everything. No one showed up at closing - the agent nor mortgage company. XXXX 's name then reappeared on the closing documents ( XXXX months later ).
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below on my Discover Account # XXXX XX/XX/XXXX - 30 Day Late : XX/XX/XXXX - 30 Day Late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ ssn ] | DOB : [ dob ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account date : [ XX/XX/2022 Reason : [ NEED IT REMOVE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiries and view my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$5500.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX will note disclose closed date to Equifax. Account was closed XXXX XXXX XXXX  to my knowledge. Equifax has not updated information. Sent multiple disputes to have this account deleted from my credit file. Equifax has failed to delete and remove after several attempts. Most resent date was XX/XX/XXXX. Seems like they are not communicating what I am requesting to other party. I am asking for immediate help to dissolve this matter. Thank you.