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

XXXX, XXXX and Experian have violated my consumer rights and I demand these items be removed immediately from my consumer report. They have violated 15 USC 1681 ( a ) ( 4 ) Right to Privacy & 15 USC 1681b ( 2 ) Permissible purpose of Consumer Reports. These 3 companies have violated my privacy by displaying inaccurate and negative items on my report and then sharing it with others. I never gave either company written permission to report anything on my behalf let alone share it with 3rd party. By law it states they must have written permission from the consumer to report anything on their behalf. 

Also i am seeking {$2000.00} from Experian, {$1000.00} from XXXX and {$4000.00} from XXXX as they are in violation of 15 USC 1681n-Civil liability for willful noncompliance. I have reached out to all three companies to remove unauthorized inquiries from my reports. According to 15 USC 1681n ( a ) ( 1 ) ( b ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( b ) in the case of liability a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

I have suffered for to long and my livelihood has too. I tried to reach out to the three companies to resolve this matter before coming here. My next step is litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses that are listed do not belong to me and I have never worked for the following employers. 

Addresses : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 2. XXXX XXXX XXXX XXXX, TN XXXX 3. XXXX XXXX XXXX XXXX, TN XXXX 4. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 6. XXXX XXXX XXXX XXXX, TN XXXX 7. XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 XXXX hrs - This person called me and was looking for my father. They would not identify what company they were from nor would they state the nature of the call. I assumed they were debt collectors. 

She then rudely hung up on me once I explained I wasn't my father. I called back to tell them that I was reporting this call and that I was recording this call. 

I have never seen or heard of any debt collector behaving in this manner. I am on the do not call registry.
Product: Debt collection

Consumer Adjustment is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Consumer Adjustment can not provide any proof that I entered any legal contract with them to attempt to collect an alleged debt. Consumer Adjustment has directly violated my rights under FDCPA 15 USC 1692g, and 15 USC 1692f. I have sent Consumer Adjustment letters letting them know that I am requesting them to Cease and Desist from these collection attempts and that I am well within my rights to sue for all violations according to the FDCPA.
Product: Debt collection

I am submitting this complaint regarding a fraudulent debt reported by CREDIT ACCEPTANCE CORPORATION ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ).

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. CREDIT ACCEPTANCE CORPORATION failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights. 
2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA.

3. Failure to Validate the Debt ( FDCPA Violation ) : Even though CREDIT ACCEPTANCE CORPORATION is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision.

4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations.

5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 

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

I have sent in numerous request to the credit bureaus to remove these fraudulent and illegal accounts from my credit report. Please do so immediately as you all have not responded back to any of my request : Dept of education XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see items on my report that is not mine. Items are listed below. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX OF XXXX - XXXX XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXXXXXX ( Inquiry XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX  - XXXX ( Inquiry ) XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX - XXXX ( Inquiry XXXX XXXX - XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXX - XXXX ( Inquiry XXXX XXXX XXXX - XXXX ( Inquiry ) XXXX - XXXX ( Inquiry )
Product: Checking or savings account

On XX/XX/XXXX I started a dispute with Bank of America regarding a merchant by the name of XXXX XXXX XXXX XXXX. The merchant resolved the issue and I called Bank Of America and withdrew the dispute on XX/XX/XXXX! The bank had credit my account a temporary refund which the immediately took back. But the bank withdrew 2000 $ from the merchant which caused my vehicle to be repossessed! I called the bank numerous times asking where the money was, and have been giving different answers! The are blaming XXXX saying they have until 45 days to release the funds. Bank of America has been sued for unlawful business practices, yet they continue to practice these acts. I cant wait 45 days to get my vehicle back! Bank of America refuses to help me and even ignored me when I had to leave my job, to go to a local branch. I just want my money refunded so my vehicle will be returned.
Product: Credit reporting or other personal consumer reports

In accordance of 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. 

Acct Name : XXXX XXXX Acct Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Has violated my rights 15 U.S.C 1681 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 consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, My credit was ran at XXXX XXXX through multiple companies. I only authorized XXXX XXXX to getting pre approved prior to visiting the establishment. I did not authorize my credit to be ran through XXXX other companies and now my credit has taken a big hit. I will be seeking legal advise due to this issue of violating the FCRA.
Product: Debt collection

XX/XX/XXXX AAFES was paid in full through filing their credit card as a federal account and paid their debt through my tax return of XXXX. All debts were paid. A year later XX/XX/XXXX they report that i have an collection account with XXXX  balance starting in XX/XX/XXXX. When i called aafes numerous times and ask them if I had an open account and they confirmed it's been closed since XX/XX/XXXX and it's fully paid and no money owed. I have sent their collection company correspondence in regards to fixing this error they made on my credit report and they still have not fixed this issue and I need assistance into pushing this issue to getting resolve as I'm in the process of getting home for my family and this false information popped as a current collection and that isn't correct. it's affecting my health and my family sustainability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Equifax, I have frozen my credit in month of XX/XX/2023 and put fraud alert on file. why you release my information without my consent to XXXX XXXX XXXX on XX/XX/2023. 

I want you to remove all my information from report as under privacy act 15 US Code 6802 - Obligations with respect to disclosures of personal information. 

also show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other forms permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party. 

Attached is XXXX XXXX XXXX on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I did not authorize these accounts, please investigate credit report and remove these accounts. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. It is illegal to report duplicates of the same accounts, please remove these accounts from my credit report.
Product: Debt collection

My complaint is about XXXX XXXX which my XXXX credit card is through. I have not paid the bill because they have changed the late fee 3x with no explanation, when I call to discuss issue with account will not speak unless we only discuss payment. Have now started to call extended family and some people, I have nothing to do with. I know I owe part of the bill they are claiming and am more than happy to pay it off, but I am not paying false charges, and now I am being harassed as well as my extended family. I owe some of the bill, but I also have rights.
Product: Credit card or prepaid card

Applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/23 administered by First National Bank of OMAHA, aka FNBO. They implied they couldn't verify my income because the majority of my income was from Social Security and VA benefits, so I sent them current benefit certification letters for both plus copy of my XXXX XXXX account last statement. In a call from FNBO XXXX XXXX XXXX of FNBO today she said they refused to accept the documentation I provided and continue to turn my application. I have heard from other US Military veterans of such situations, but this is the first time I have experienced it myself.
Product: Debt collection

To whom it may concerns My name is XXXX XXXX resides at XXXX XXXX XXXX XXXX XXXX CA XXXX. I received several fraud alerts ( XXXX, XXXX XXXX ) and bills from several creditors ( XXXX, XXXX XXXX Barclays, ) regarding past due amounts in XX/XX/XXXX. That was I found out that my identity was stolen. I contacted 3 credit bureaus to freeze the checking and applying new credits and contacted all creditors. 
I own a residence home for XXXX years and several properties in rentals for more than 10 years, my income is $ XXXX. I would not do anything to jeopardize my credits. I live in the house with my wife XXXX XXXX, a XXXX old son and elderly parents ( XXXX and XXXX ). To find out who use my identity, you should follow these leads : XXXX ) To purchase the thieves must have the physical credit cards. Where did they get the cards from? Where were the cards sent to ( address )? 
I did some research and discovered : I live in XXXX CA, outside of XXXX, but on the attachment letter, I see the XXXX # XXXX located in XXXX Alaska, which you can easily obtain by calling any XXXX store and ask location of store number # XXXX ( I randomly called XXXX of the stores and asked for # XXXX ). I then called this tore to verify if it is # XXXX For XXXX, since this is a large amount, you should initial the joint investigation with XXXX by looking at the XXXX XXXX, or receipts etc. 

XXXX ) For XXXX stores # XXXX and # XXXX, they are actually XXXX gas XXXX ( XXXX bought XXXX XXXX  XXXX  in XXXX ). I called the XXXX corporate ( XXXX ) and obtained XXXX XXXX addresses as following : Store # XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX PA For XXXX XXXX XXXX, the stores mainly are concentrated in California, are the most are in XXXX XXXX XXXX XXXX I am not able to locate, because there is no location #. 
By doing some investigation, you easily find out some inconsistences here. I attached here XXXX solution after they found out that I am living in XXXX CA, but the purchase was in LA area by looking at the store number, and the phone number never been dialed in a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX XXXX Bankruptcy for a business in the XXXX XXXX XXXX OHIO Docket # XXXX. 
This bankruptcy was canceled and should be removed from my reports. Also, this was not a personal bankruptcy but a business and should not be reporting on my personal credit report.
Product: Credit card or prepaid card

I received a new American Express card. I needed to contact customer service. The customer service phone number is printed in 2.22pt. type. I measured it. Additionally, the first 3 digits are obscured by elements of graphic design. Also, the contrast is very low. I had to dial the number by trial and error. When I explained to the representative I could not read the phone number because of these conditions she suggested I get someone to help me. This would place me in a dependent position, creating a XXXX where there is none. My vision is within normal limits. 
I asked to speak with a supervisor. I asked what accomodations they have in place for people who could not read the number. She said there are none. 

I believe this places American Express out of compliance with the ADA. In addition, the consumer is placed in a position of vulnerability financially by requiring the assistance of a helper with financial management where no bonafide need exists for such help.
Product: Credit card

I setup my payment a head of time, got a letter date before it was due saying my banking info not working please update. I been on phone from XXXX to almost XXXX off and on still no help, even told me to call my bank who just said as always funds and account fine, suggested ask for someone who inputs payment and get confirmation which after time calls and even tried to contact corporate office said their system not able to process my checking account of ATM master card, no idea why and after all the calls and chats to them, my bank even XXXX  XXXX but it is their store card and process that the issue so more of a run around then helpful. XXXX XXXX XXXX XXXX XXXX  and do not need stress or XXXX  XXXX beat trying to fix something thats not my fault or in my ability to fix as if mail check same info on the check as they inputted or had computer input. Its expensive enough to use credit card without being ding for no payment when its their issue or machine holding issue up out of the blue after months or years of working. I am stressed, tired and confused by this mess please advice. Letter letting me know showed up today payment was to been processed today due tomorrow.
Product: Mortgage

I am opening up a second complaint against Chase because they corrected an error with an error. I have called, faxed and sent, via, USPS my dispute with no resolution. Attached is the communication I sent Chase.
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 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. The following Accounts : Original Creditor : XXXX Debt holder : XXXX XXXX XXXX XXXX : {$1300.00}
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and an other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' as you have previously, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste valuable time. The negative accounts have been placed in Collection/Charge-off/Late Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt . XXXX and the creditors reporting collections/Charge Offs, late payments, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved. Also, Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumers report. ( XXXX, XXXX, XXXX, and XXXX  ) is in violation of said section for furnishing this information on my consumer report, i which they obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from the electronic system know as XXXX. Per XXXXXXXX XXXX website, they do not give, sell, or transfer any personal information to ANY third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

We previously had Auto insurance with USAA and left them due to their discriminatory practices with taking advantage of XXXX XXXX Americans and U. S. Veterans. We are now being retaliated against regarding their falsified claims for Home Insurance claims they have been reporting to XXXX XXXX and impacting us negatively when attempting to shop around for new Home Owners Insurance. USAA never paid a claim out for the Home Insurance Claims which we did not file as a claim. We only called them during a major Torando or Wind occurence in GA to inquire and just only view our home. However, we did not file 4 Claims and one is also a duplicate on the same day! Also, when I spoke to XXXX XXXX on XX/XX/XXXX, I was informed that these were not Valid Claims because there were No Payouts on them. Therefore, the following Home Claims should not be reported on our XXXX XXXX Report to further Oppress and Suppress XXXX XXXX-Americans from obtaining lower and competitive Home Owners Insurance : 1. XXXX - Home Claim USSA Reported on XXXX XXXX, XXXX 2. XXXX - Home Claim USSA Reported on XXXX XXXX, XXXX 3. XXXX - Home Claim USSA Reported on XX/XX/XXXX 4. XXXX - DUPLICATE Home Claim USSA Reported on XX/XX/XXXX This is a direct form of Discriminatory Practices which USAA has exemplified against us by utilizing XXXX XXXX to report negative and False claims to retailiate and oppress us from obtaining Home Owners Insurance! They need to be reported to SEC and FTC for their illegal practices as well!