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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : XXXX  XXXX XXXX, BRSCLYSBANKDE, and XXXX XXXX XXXX.
Product: Mortgage

We submitted an offer on a house that is for sale, via short sale, through Wells Fargo on XXXX XXXX, 2015. Since then, we have had to update the contract 3 times, to which we still can get no response what-so-ever from anyone at Wells Fargo on the status of the contract. The listing agent has been through XXXX different people at Wells Fargo and not one has been able to give any of us an answer. One week, our contract is with the negotiator and they 're pushing for an answer by the end of day on Friday, which has now been a month ago. I have since sent an email to the board of directors at Wells Fargo and have spoken with a gentleman, but again, they have no answers as to where our contract stands.
Product: Prepaid card

On  XXXX   XXXX ,  XXXX , I contacted Rushcard via phone. I explained to customer service rep, I would like a copy of my transactions or statement for  XXXX   XXXX   XXXX ,  XXXX . He explained to me he was unable to provide the request. I was put me on hold fo r 5 m inutes. After being on hold, the rep informed me he would send a request to the  Corporate Office,  and I should receive documents requested in  1-3  business days via email. As of  XXXX   XXXX ,  XXXX  I have had any communication or received documents requested.
Product: Debt collection

A collection popped up on my credit reports about 6 months ago. I didnt know about this debt and when I figured out where it came from I disputed it three times because the debt came from a credit card company that I didnt apply for ( identity theft ). I requested validation of my debt and the original contract, and that was over 60 days ago and havent received any validity of the debt. XXXX  keeps saying its validated and I requested a copy of their investigation and it hasnt been sent yet. I dont owe this debt but they are reporting that I am.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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: Credit card

I placed a custom order with the company Excel XXXX billed on XXXX/XXXX/16 for {$260.00}. I received the items ( pins ) and they were darker than desired. I reached out to the company for a replacement/refund. I have an email/document signed from the company saying that a replacement would be sent. I opened a case with Capital One credit card to dispute the charge case XXXX. Excel XXXX sent documentation showing that I approved the order but failing to include the documentation where they agreed to process and send a replacement order.
Product: Debt collection

Aargon Collection agency is attempting to collect two debts that I do not owe. I've disputed both debts several times and the only reply I keep receiving is " verified. '' The original owner of the account is XXXX   hospital. I NEVER signed the financial agreement and both companies have refused to provide me with proof that I agreed to be financially responsible.
Product: Credit reporting or other personal consumer reports

Dear UNTD RES SYS, I am writing to formally address a serious violation concerning the unauthorized reporting of information to my credit report. This issue is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Texas Finance Code under Sections 392.301 and 392.305, and identity theft laws as outlined in the Texas Penal Code Section 32.51. 

It has come to my attention that UNTD RES SYS has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, consumer consent is a mandatory requirement for any credit reporting activities, as stated in Section 1681b ( a ) ( 2 ).

Moreover, Texas state law reinforces this requirement. Section 392.301 of the Texas Finance Code clearly states that consumer consent is necessary for credit reporting. Additionally, Section 392.305 provides guidelines for the fair reporting of consumer credit information. The identity theft laws, particularly Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information.

I unequivocally assert that I have not granted consent for UNTD RES SYS to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a blatant disregard for both federal and state laws. 

I demand that UNTD RES SYS immediately cease any further reporting of information to my credit report without my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should you fail to comply within the next 30 days, I will consider this willful noncompliance, which may result in penalties under applicable laws, including those related to identity theft. 

It is imperative to understand that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft laws. This is not a negotiation ; it is a demand for adherence to both federal and state regulations designed to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that UNTD RES SYS will rectify these violations promptly, respecting my rights under federal and state laws. 
Done in good faith.
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

This debt is from a third-party debt collector. I have no recollection of this account.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of XXXX data breach. I want these items deletedform my credit report immediatelyXXXX 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 I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. and XXXX has done nothing.Please help me deletes these illegal accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so new when it comes to credit i tried to pull my credit report and it would not allow me to so after providing all information i noticed someone was using my full identity to acquire credit cards and apartments and a auto loan Credit card Accounts : XXXXXXXX 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 I havent had enough CREDIT TO FILE bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the three credit bureau 's on the free government credit reports website, to get my yearly credit reports from all three, back the XX/XX/XXXX. I received one from  XXXX   with no trouble, When I got to trans union after I put in my info and the report came up, I tried to download the report and the system crashed. When I got the system back up it told me I had already got the report which I did not. I called trans union, and  the custom service representative told me the same thing. I continually tried to explain to him what happen with the crashed site, he told me I would have to buy the report so the phone call ended with no report, but I did tell them that I was going to get in touch with the commission that oversees their operation. I have only dealt with them once before and I did not have a issue, back in XXXX and got my report with no problem online, so I don't understand what happen this time. 
I went ahead and attempted to order my XXXX report, the reponse I got while on line was I had to send in information, IE ;  ID, social security card and the reason I wanted the report on a cover page which I did and mailed it on XX/XX/XXXX ; I do beleive i had this problem with XXXX  in the past some years back. When I called today ( XX/XX/XXXX ) they ask me about my loans and who it was with, I told them that the only one I had was a student loan and I didn't remember who it was with because it was over twenty years ago ( now that I writing this I realize I should have remembered, but I was upset that I had already done what they had asked in sending info via mail ) .Then I talked to a supervisor and told her the same thing and she ask me a additional question about a job that I had in the past, and I gave her three that I know was on the last transunion report, then she proceed to tell me I did not answer correctly. So I am at a loss to why these reporting agencies are not cooperating with giving me my credit reports
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Late Payment XXXX XXXX XXXX XXXX XXXX XXXX -Late Payment XXXX XXXX XXXX XXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXX -Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  - XXXX - {$18000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Debt collection

Pinnacle Credit Services , LLC has XXXX Open Collection accounts for a XXXX XXXX account that shows {$0.00} balance. I would like this removed from XXXX and therefore, my credit report.
Product: Debt collection

I have never had an account with Portfolio Recovery Associates , Inc . 

2 ) Portfolio Recovery Associates XXXX Inc. and I have never entered into any type of written agreement. 

3 ) Portfolio Recovery Associates, Inc. has never presented me with any goods or services. 

4 ) The account referenced by Portfolio Recovery Associates XXXX Inc. is long past my State statutes. ( If this applies ). 

5 ) I have never done business with Portfolio Recovery Associates , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been diligently working to improve my credit. I have started by paying down my credit cards. One of which I paid down is first premier. I have been anxiously awaiting my score to improve from the payments I have been making and I woke up this morning to see that TransUnion has dropped my score XXXX points because of the payment?!!! Please I need to be explained to how can making more payments drop my score?!!!! I swear this credit bureaus make money from keeping people with poor credit scores low. This is disgusting and needs to be stopped. I have been paying off collections and reporting inaccuracies and its getting me no where. I want them to explain why paying off my card has caused my credit score to decrease!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/2020 Mortgage Companies - Finance : XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX  Acco XXXX # : Account Type : XXXX Account # : XXXX Collection 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 2 : It also states a consumer reporting Agency Can not Furnish An Acct without my written instructions.
Product: Checking or savings account

I filed a dispute with netspend on behalf of my checking account that had XXXX $ stolen from it over a period of two weeks while I was in the XXXX They took XXXX XXXX days to investigate and then allegedly found no fraud in not one of the charges I disputed. This was most definitely fraud. What netspend doesnt know is that I was in a medically induced coma at the time the charges were made so how could a woman unable to wake up or function manage to spend XXXX $ all over California XXXX They denied my claim the day before they were to issue me a provisional credit.
Product: Mortgage

I have a mortgage with US BANK. I have come to find out that the bank has deleted all of my Credit Reporting trade lines on all major cbrs. I had a tennant since 2013. They were aware it was a rental property. My Renter filed a chapter XXXX bankruptcy. not myself. The bank used her address and considered my loan bankrupt. This has been going on since 2013. I have not received credit for payments made for over 6 years.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) .

The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Product: Debt collection

Upon reviewing my recent credit report, I noticed that I had a collection account outstanding with Portfolio recovery and XXXX XXXX, both for {$490.00}. I 've contacted both company 's on 2 separate occasions trying to verify the accuracy of the information provided by them as being owed by me. XXXX XXXX responded by saying that the debt was sold to Portfolio Recovery. I 've since sent a letter to XXXX XXXX asking them to remove the debt as they were unable to verify the account as being owned by me as well as it being sold to Portfolio Recovery. No action has been taken by XXXX XXXX to resolve the issue. Portfolio Recovery has also failed to provide proof to validate the account as being owned by me in accordance with the FCRA. The first goodwill letter was sent out and received by Portfolio Recovery on XX/XX/XXXX, the second was sent out and received XX/XX/XXXX. Portfolio Recovery has provided me with account statements from the original creditor, XXXX XXXX, stating that the accounts are mine however no such document bares my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019, I tried to access my EquiFax account to un-freeze my account for a short period. I spent 2 hours trying by both logging into my account, updating passwords and information and calling direct for help but .... In order to speak with a customer support person I had to 1. ) give them a cell phone number 2. ) my social security number. 3. ) answer two security questions and 4. ) answer questions from information generated from my personal credit report. After successfully answering the questions the recorded voice came back and said the customer service rep could not help me and to send my requests in writing to them. 
I have never had to give any personal info to any company in order to just talk with a customer service person. 
They advertise you can freeze and then unfreeze an account online but after several attempts to do so it seems like they don't want to talk with me. Try it yourself. 
I could get into my account and update my personal info but could not unfreeze my account for an hour to let a car dealer check my credit. 
Please do something about Equifax as they seem to be saying one thing and in reality their software, phone access is not as they say.

If one does not have a cell phone then you can not access customer service help. Their unfreeze software does not work even though I can access my account, update personal formation etc ... It seems they don't allow access to freeze and unfreeze actions. 
Help us with these credit reporting agencies ... ..especially EquiFax ... 
Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

In am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed XXXX account that are XXXX XXXX accounts that was deleted on XX/XX/20 XXXX by TransUnion # XXXX XXXX XXXX -Account Number # XXXXCurrent Balance XXXX XXXX XXXX XXXX XXXX XXXX  -Account Number # XXXX Current Balance {$25000.00}, and XXXX XXXX XXXX  Account Number # XXXX  Current Balance {$440.00} this inaccurate information is still reporting on my TransUnion Report. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have attached Evidence in this complaint, please see attached document.