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

Yes Equifax has beening sharing my information with ut my consent and they also is reporting information on my credit report that dont supposed to be reporting. 
These are the laws they have violated 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.

Furthermore, my address, employment data, name and credit history were compromised during the breach that acquired back in 2017. I am demanding that all the accounts that are listed be remove from my credit report per the FCRA, Privacy Act and the Gramm-Leach-Bliley Act that protects Consumer Rights and the information.
Product: Debt collection

Collection company has been calling to collect a debt that we never owed. The loan was in my maiden name, years after I was married, to an account that had been closed 4 years prior. I contacted them back and requested information of where the loan originated. After being hung up on multiple times, we find out it was from a payday loan service XXXX We verified the email address hadn't been used since XXXX, and contacted the bank that the loan amount was deposited into. The account itself had been paid in full and closed since XXXX. This company is saying the loan was deposited into an account that had been closed 4 years on XX/XX/XXXX. We contacted back the collection company and explained how these dates didn't make sense, and that the birthday was in XXXX, I am XXXX. After raising these concerns that this was obviously fraud, the company said they would " investigate it. '' After several more calls and being hung up on multiple times, I was told they had already closed the account due to fraud. They are unwilling to help find where the loan originated from, and seem hellbent on protecting people who defraud the system and other people. Without being able to verify anything with TheNorthTrust.com, as the address is a home in Delaware, this almost seems like an internal phishing scheme, possibly on this debt collector 's behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  # XXXX -XXXX XXXX XXXX # XXXX -15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made this same complaint regarding Equifax. Equifax keeps deleting my mortgage with XXXX XXXX XXXX ( XXXX ) off of my credit report. Equifax recently added my mortgage back to my credit report, but as of XX/XX/XXXX, it is reporting that my account is closed and has a {$0.00} balance. This messes up my credit age, the amount of my revolving accounts, and the mix of my accounts. This is affecting my credit score and my ability to refinance my home. This is incorrect as my mortgage should be reported as open as I am still paying on it. 

My credit card with XXXX XXXX was recently removed from my account, and I don't know why as this is my account and it is open. Please add back to my credit report. 

I do not see XXXX XXXX XXXX on my credit report. Although this account was paid in full and closed in XXXX of XXXX, it should still be reporting on my credit report. 

Also, please note that XXXX XXXX is not my employer. I have been employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since XX/XX/XXXX. 

My XXXX account limit is {$6300.00}, the limit needs to be updated. 

Again the two collection accounts with XXXX XXXX  XXXX do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX andstill nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATEOR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have already filed a dispute with XXXX about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter and there response to just update instead of delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday XXXX XXXX, 2020. At XXXX XXXXXXXXXXXX. my mom had tried to pay her loan at Lendmark financial services LLC. They asked her a couple of questions, and proceeded to run a hard inquiry on my credit. Once I was notified that something had happened to my credit I checked and it had said my XXXX  score had dropped XXXX points. I called them and they were trying to say that it isnt going to matter. They also tried to blame a different credit union for the mishap.
Product: Vehicle loan or lease

On XX/XX/2023, a repossession company came to my house to repossess a car. They broke my glass on my house door from banging and ringing the bell. They also broke my fence on the outside of my private property, destroyed my kids property as well. Then drag the car out backwards. I called the company to complain about the situation. They did nothing Im still without a car. They told me to get back to me never did. It is now XX/XX/XXXX have not heard back from them yet about paying for the things that was destroyed by the repossession company or how to retrieve my vehicle.
Product: Credit reporting or other personal consumer reports

After Speaking with the courthouse asking do the report bankruptcies to the credit bureaus and they respond was NO " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 
XXXX XXXX XXXX section XXXX ( XXXX ) ( XXXX ) XXXX ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under XXXX XXXX XXXX. 
According to : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
According to : XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : XXXX U.S.C. XXXX ( A ) ( XXXX ) 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: Debt collection

In XXXX. XXXX  I removed my truck from XXXX XXXX XXXX, I was a lease operator under a XXXX XXXX XXXX. I removed all company decals and permits from truck XXXX and returned the licence plate. I also assisted their mecanic in removing the XXXX, witch took XXXX minutes. I have been wrongfully charged XXXX $ for XXXX removal, and would like this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( I have attached a copy from my credit report showing the inquiries from the XXXX XXXX XXXX days. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same type of lender and therefore should only be reporting as ( XXXX ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( XXXX ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

Goldman Sachs bank has locked me out of my on line access for over a week and they advise that it will take another week for them to correct their technical issues. 

The alternative is calling them which is a nightmare of trying to convince a robot to allow you to talk to a human that can help.

I can understand an occasional outage of minutes or hours, but two weeks? I have reduced confidence in their risk management abilities if they can not keep their systems up and running.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank of my called XXXX XXXX XXXX XXXX XXXX Acct # XXXX did not send electronically as I wanted when I set up the payee online. They sent to the Bank of America late! The Bank of America refused to change or correct the information. However, they did AFTER receiving the check from the XXXX XXXX XXXX XXXX XXXX. On my first attempt, I tried to fix but they did not believe me. I have a several pictures attached to prove you. The Bank of America charged me on late fee and even charged me for {$13.00} dollars for interest rate. Why would they charge me twice??! The Bank of America is a rip off! I asked them to credit both and the bank refused. I did pay the payment on time which was XX/XX/XXXX ... .before the deadline date. I pay on time always, but the bank and credit cards keep messing up my credit record. THIS IS WHY I am frustrated with them. They always ruin my record. I ask you to please investigate this thoroughly. How did I know I did not have a good record? XXXX  was the one that shows me the problem and it started with Bank of America. In fact, I called them today about why they changed the APR, they said they did not. So I don't know why XXXX   has that information about the APR and it pulled ten points off from my record. I deposited my whole {$8000.00} cash into a secured card I requested. But XXXX  is harming my record even though it was MY MONEY and I made it as a secured card ( last digit as # XXXX ) within Bank of America. XXXX  needs to fix this record and do not blame me for the APR because the man at the Bank of America never told me about the APR. I would not want a secured card with a high APR, the Bank of America never told me about the APR. However, the Bank of America and XXXX  both have different information on APR. Can you please have them fix the problem?! And keep my credit record clean as it was! Also, I check XXXX XXXX  XXXX XXXX, it has a proper status as + for a credit. However, the Bank of America has - as a symbol for a credit. I do not like the Bank of America XXXX symbol. It is not friendly. They need to change to + as a credit. It is more proper status.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account and hard inquiry currently listed and showing on my Experian, XXXX, and XXXX XXXX credit report is fraudulent, not my account and is the result of identity theft : XXXX XXXX XXXX, XX/XX/XXXX, {$4200.00}, and XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Ive been a member of Navy Federal for maybe 10 years and have been enrolled in XXXX. And up until this current day Im charged a XXXX dollar overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion show 2 items on my Credit Report that should have fallen off 7 years after the first delinquency ( ie right now ). They have not, and I have submited disputes, however XXXX will not allow me to view the progress of the dispute online. The 2 delinquent errors are not consistent across reports, and XXXX actually removed both of them already! This is confusing to creditors, say when I go to refinance my student loans, that they see different reports across all 3 bureaus, XXXX showing me in perfect credit, Transunion, showing me an issue or two, and XXXX showing me with two delinquencies. I have a credit rating of XXXX, but these items hold me back. I work hard to keep a good credit score, just look at my past 7 YEARS of activity. This is not fair to hold on to items, inconsistently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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
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 XXXX. 

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

15 U.S.C XXXX Section 604 XXXX Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurately reporting on the credit bureau. Was inaccurately reported on other credit bureaus and has been deleted but still remains on Transunion
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  XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX XXXX 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

OPENED XX/XX/2021 {$1200.00} Collection agency ( XXXX ) I've reached out to the companies XXXX, XXXX, and Experian XXXX XXXX. I've also reached out to XXXX XXXX XXXX regarding the misunderstanding of this account. I've never had XXXX XXXX XXXX. Also I reached out to XXXX, Experian and XXXX stating that It is illegal to sell an account to a collection agency but they still Went forth what the XXXX selling the account to the agency.
Product: Debt collection

Today I received a phone call from a place called Cherrington Firm based in XXXX, Utah. The woman ( XXXX XXXX on the phone claimed that my mother owes a debt and that written notice was sent and they didn't receive a reply. 

1. My mother is XXXX XXXX XXXX and suffers from XXXX XXXX demntia. She is under conservatorship and guardianship of my father, XXXX XXXX. She can not legally handle her own affairs. 

2. I receive the family 's mail. We have never received any notification of debt at all. Of course when I asked XXXX about the debt she refused to answer any of my questions. 

3. Cherrington is cruel, trying to harass a XXXX XXXX XXXX woman with XXXX XXXX 4. My phone number is not my mother 's.
Product: Checking or savings account

On XX/XX/2023 at around XXXX my boyfriend tried to deposit over XXXX into my account using my bank card because I was going to buy XXXX presents the next day on XXXX. After he put the cash into the ATM there was a service error saying for security reasons we can not authorize this transaction. The screen became grey, withheld the card for XXXX mins before spitting it back out but never returned the cash. There is no record of this attempted deposit. The ATM gave no receipt of this attempted transaction. All we have for evidence is the camera on the ATM and the time that this occurred. On Friday XX/XX/2023 I filed a claim immediately once the customer service desk opened. They said they will review and " if '' they find the money in the atm they will reimburse. I then stopped at the physical bank and let them know what had happened. They informed me they had no control over the atm, or the atm cameras and that I would have to wait until a service technician came and looked. I am going to be filing a police report and will proceed to small claims if this is not resolved. This is my money and the bank is acting like it's no big deal. What if that was all the money I had and couldn't feed my kids while " they tried to see if the money was in the atm ''.
Product: Debt collection

On XX/XX/22 I paid {$340.00} to XXXX XXXX, they where the collection company used by XXXX XXXX, almost a year later after I paid the money XXXX XXXX sold the debt to a different collection company and they want me to pay the same debt again, I have proof that I paid that debt in full.
Product: Credit reporting or other personal consumer reports

this account is still on my report and being wrongfully updated by experian equifax and transuioin the reinvestagation was just a standard reply with no facts i asked how was this being reinvestagated i got nothing i asked for the 1099 from the charge off it was never given to make it worst the lost was covered on a XXXX claim and i submitted cert mail identy fraud and police report all cert mail all notarized also requested to have my personal information corrected nothing was corrected i call cant get through to anyone hours on the phone being lied to i pay for my membership account i get no help just more lies this is hurting my loan and living situation i send information that this company is not allowed to collect on debt in florida it gets ignored what are the laws for???? if u do not follow them? 
. all with diffrent information XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XXXXXX/XX/XXXX Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XXXX XXXX