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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

My complaint is to inform you of the grave violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 that have been committed by Experian. These violations have caused substantial harm to my privacy and have infringed upon my consumer rights. I am seeking a remedy as prescribed by 15 USC 1681n to address the damages incurred.

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information It has come to my attention that Experian has unlawfully shared my personal information from XXXX XXXX XXXX without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805 and the Privacy Act of 1974. This unauthorized sharing of my personal information has resulted in a breach of my privacy, causing distress and concern. I strongly urge Experian to immediately cease any further sharing of my personal information and take appropriate measures to prevent such unauthorized disclosures in the future.

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions In addition to the aforementioned violations, I have discovered that Experian has improperly disclosed my experiences and transactions from XXXX XXXX XXXX in XX/XX/XXXX. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I demand that XXXX XXXX XXXX and Experian take immediate action to rectify this violation and ensures that my experiences and transactions are not further disclosed without lawful justification. Attached below is a screen shot of the violation as well as proof that all three consumer reporting agencies are reporting the same account differently which is an additional violation under 15 USC 1681.
Product: Credit card or prepaid card

I paid my capital one credit card off in full on XX/XX/19 in the amount of {$490.00} with the intention of not using the card again. On XX/XX/XXXX I got charged an interest charge of {$11.00} and it was the only balance on the card. I called and very nicely requested they remove the fee since it was/is the only balance on the account and I have never had any fees waived. The representative said no so I asked to speak with a manager and got XXXX  ( id XXXX ) and she said no as well. It is my understanding that they are in violation of regulations placed with credit card companies to charge fees on a {$0.00} balance. Please get this corrected since capital one was so unwilling to help.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I worked for XXXX XXXX XXXX XXXX located in XXXX XXXXXXXX XXXX from XXXX. They had ordered pest control services for on of their offices. Apparently they did not pay XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX sold the debt to Universal Recovery Corporation. Universal Recovery Corporation could not recover the debt from the original owner which is XXXX XXXX who is the owner of XXXX XXXX XXXX XXXX XXXX Universal then searched up other contacts from XXXX XXXX and listed me on the account for collections. I had no idea about XXXX XXXX  requesting pest control services nor do I own or make decisions for services like that since I was the XXXX XXXX I found out about this debt from my credit report in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> Universal Recovery Corporation and XXXX XXXX XXXX XXXX  acknowledged that I did not own the debt and they sent the confirmation via email. Please see the attachment. 


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

In my credit report it shows XXXX. This account belongs to my ex wife. I never signed any paperwork to have that credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my Current personal info XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX see attachment thank you
Product: Checking or savings account

, fees, that were not accurate, thinking a depsoit may have been fraud, IT WASNT but I couldnt depsoit, filed claims, and got denied.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

HAD A CHIME BANK CARD ABOUT 2 YEARS AGO. LATELY HAVE BEEN GETTING EMAIL - AD TO APPLY FOR A CARD. WHEN I DID HAVE ONE I HAD PROBLEMS GETTING THE RIGHT FUNDS ON THE CARD AND THE CARD WOULD BE USEABLE AND THEN NOT USEABLE. I APPLIED AGAIN RECENTLY ( ABOUT XXXX DAYS AGO ), AND IT WAS DENIED. I APPLIED A FEW MONTHS AGO WITH A DIFFERENT EMAIL AND THAT ONE WAS DECLINED AS WELL. XXXX 'S A PERSISTENT AD THAT IS IN MY INBOX EVEN AFTER I CHECK THAT I *DO N'T WANT* TO SEE THE AD. 
ANOTHER POINT, I MAY HAVE USED IT BEFORE TO GET DIRECT DEPOSIT FOR TAX REFUND, THIS WOULD HAVE BEEN XXXX TAX YEAR. MY INFORMATION COULD POSSIBLY BE STORED WITH THE COMPANY WHO I LAST GAVE THIS INFORMATION TO. WITH DATA SELLERS, DATA BROKERS AND HACKERS- IM CONCERNED THAT SOMEBODY MIGHT HAVE ACCESS TO MORE INFORMATION THAN THEY NEED OR THAT I WOULD HAVE GIVEN ACCESS TO. I USE PRE-PAID ACCOUNT CARDS OVER TRADITIONAL BANK ACCOUNT.
Product: Debt collection

I am emailing you in regards to money that is owed to me I closed my account XX/XX/XXXX. I have a paper trail on every transaction as it pertains to communication and emails sent. Every time I call I'm told that an Email will be sent in correlation with me to getting my funds ( {$1500.00} ), But I never here anything back about me getting my funds. I need to speak to upper management about my money. I was told that I should receive my funds within 60 to 90 days of closing my account its been 5 months. I need my money as soon as possible. 
Companies Name Philip Sellers P.C., Attorneys at Law XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a loyal Kohl 's cardholder since XX/XX/XXXX and I have always paid my bill on time. I was given an option to get an additional % off coupon if I signed up for paperless billing. This was my biggest and most costly mistake. I had let my son use my Kohl 's charge card to make an online purchase on XX/XX/XXXX. I take responsibility for not remembering he had made this purchase but I never received an email letting me know I had a bill due, let alone a delinquent bill due. On XX/XX/XXXX I received my first text message from Kohl 's card stating I should visit the XXXX website or I should call a XXXX number. I also received a phone call later that evening letting me know I should contact Kohl 's regarding my account. I called the number back and was informed that I had a delinquent payment. At the time, I thought it was for a purchase I had made on XX/XX/XXXX. Without any questions I made a complete payment for what I owed and the representative from Kohl 's removed the late fee from my account once I explained I had signed up for paperless billing and I hadn't received any email communication regarding a payment due. Two days later I received an alert from my credit monitoring report letting me know Kohl 's had submitted a delinquent alert on my account. I was confused about this but upon further investigation I realized I had been delinquent on my payment from XXXX because of my son 's forgotten about online purchase. Again, I never received any email communication or any message on my Kohl 's app that I had a payment due or an overdue payment. When I talked to a supervisor today I was told that they wouldn't rescind my delinquent alert on my account because I admitted some responsibility for forgetting my son had made a purchase on my account. My issue is that I didn't receive any email communication regarding my payment due or that my payment was overdue. Had I received this communication my bill would have been paid in full immediately. I think it is unfair I only received a text alert about my account after I was two months delinquent and after Kohl 's had reported a delinquent alert to the credit bureau. Is this a method Kohl 's is using to collect late fees on their customer 's charge accounts? I am strongly considering not ever using my Kohl 's charge again based upon how my situation has been handled and how my credit score has been negatively impacted. I have always had an excellent credit score. Currently, my credit score is still considered good but I'm disappointed Kohl 's took no responsibility in correcting their poor communication process with my account.
Product: Payday loan, title loan, personal loan, or advance loan

I took a personal loan of {$1000.00} plus a 29.26 % finance charge with a company called XXXX, in XX/XX/2023 and paid off my loan in XX/XX/2023, after the loan was sold to a new company without my knowledge - SST. 
The new company continued to collect payments via electronic withdrawal from my bank account, stating I owed additional money. I have overpaid the {$1000.00} loan I initially took. I had to block SST from taking additional money. SST reported me to three different credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed and creditor and credit bureau failed to respond to my compliant. Also they have failed to provide any documentation in regards to this account. This account is problematic and i need it to be removed>>>>
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX, $ XXXX and XXXX XXXX, {$290.00}, XX/XX/2016. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for XXXX cable and internet services in XXXX 2016. I called and cancelled before they could come and install anything because I found a better deal at XXXX. I check my credit report and XXXX sent me to collections for installment equipment they supposedly sent to my house which I never received. I called them. They told me to file a claim with XXXX which I did. Claim was issued and approved. XXXX still wo n't take their hit off my credit report
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX5 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, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX Account # XXXX, XXXXXXXX XXXX Opened on XX/XX/2022, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrongful systemic institutional XXXX has, and continues to rear it's ulgy head, again!!! XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reasons : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 or more days late making my monthly payment. 2 ). Due to the current pandemic I have  been under a forbearance agreement which has been extended a additional 2 months. Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payment/s, nor late fee assessments reported to the credit reporting agencies! In addition I have NEVER been contacted, or communicated, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed some accounts that are the result of fraud I also noticed some inquiries from hat are a result of the fraudulent account please block the following accounts and inquiries Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

This is a continuation of my last complaint against Allied Mortgage Group. This mortgage company continues to have difficulty with properly calculating our appropriate payment at a 2.8 % interest rate, which is alarming. When I have notified them in the past of errors in their calculations, they were rude and dismissive. We have always paid on time. Last month 's statement said no payment was due. This month 's statement says we have paid $ XXXX YTD and that {$17000.00} remains unapplied. While I would like to accelerate the payment process, it is uncomfortable to send principal only payments since all calculations have been incorrect since the inception of the loan, per their last explanation on this site. There are no pre-payment penalties, but it feels like we are being penalized with this incorrect accounting. I request that all overage be returned to us so that we can either shop for a competent lender or send it in as a principal payment once the current errors have been corrected. When I explained to Allied today what my statement shows, I was asked to provide proof ; another alarming issue, because how do they not see the statement they sent out? Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts as they are not mines due to identity fraud. 1. XXXX XXXX account # XXXX 2. XXXXXXXX XXXX  account # XXXX 3. XXXXXXXX XXXX  account # XXXX 4. XXXXXXXX XXXX  account # XXXX 5. XXXX XXXX XXXX account # XXXX 6. Account # XXXX 7. XXXX XXXX XXXX account # XXXX 8. XXXX XXXX XXXX Account # XXXX 9. XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block information from my credit report within four business days, pursuant to section605C of the Fair Credit Reporting Act. I am A victim of XXXXXXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

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

I was offered a business credit card from AMEX and told that I would not have a hard inquiry on my report unless I accepted the card they offered. On the application I put my EIN as the offer was in my business name. They ran a hard inquiry on my ssn and refused to remove it.
Product: Checking or savings account

I have used XXXX  for over a year and now PNC has blocked it and I can no longer access my account with the XXXX  app.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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  have violated my rights. 

In 15 U.S.C 1681 Section 602 A it states : I have the right to privacy. 
In 15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Servicing issue. My PITI monthly payment is $ XXXX/mo I routinely pay {$2500.00} or {$150.00} extra which I intend to be used towards princiipal. This is not applied ( I assume it would allow me to avaoid a little ineterst. Servicer is un willing to make this change except on a month by month basis- they want me to provide a letter each month that I over pay. Ditech For some reason this does not feel right
Product: Checking or savings account

While I was XXXX  in XXXX ( XXXX XXXX ) my debit card was stolen & used XXXX  times, XX/XX/XXXX- {$400.00} & {$990.00}, XX/XX/XXXX - {$60.00}. I submitted a fraud claim to Wells Fargo. On XX/XX/XXXX, they temporarily credited my bank acct for {$1300.00}. Then on XX/XX/XXXX, Wells Fargo took the money back out of my acct & refuse to reimburse me for it. Wells Fargo insists, even though I was XXXX, that I left the XXXX  XXXX, used my debit card ( which I did not have ) at the stores, then I returned to my XXXX  XXXX  room. This I was told by Wells Fargo yesterday, XX/XX/XXXX. None of what Wells Fargo stated makes any sense. I gave Wells Fargo a letter from my doctor verifying my XXXX. I'm finding out that Wells Fargo does very little investigations at all. On XX/XX/1923 Wells Fargo sent me, by email, a male customer 's claim decision. They had denied his claim exactly the way they denied mine. I now have this man 's name & am trying to find him. I feel this is violation of this man 's confidentiality by Wells Fargo & very sloppy work by Wells Fargo Claims dept, sending me another person 's claim resolution. I don't know if you can do anything, but I would simply like my y {$1300.00} reinstated to my bank acct. Otherwise I must file for Arbitration & file a case in small claims court. Thank you very much. XXXX XXXX