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

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XX/XX/XXXX - XXXX {$6500.00} XX/XX/XXXXXXXX {$2400.00} XXXX - XXXX {$410.00} XX/XX/XXXX XXXX {$1300.00}XX/XX/XXXXXXXX {$2400.00} XX/XX/XXXXXXXX {$5600.00} XX/XX/XXXXXXXX - XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXX/XX/XXXXXXXX {$1100.00} XXXXXX/XX/XXXXXXXX {$6000.00} XXXX XX/XX/XXXXXXXX {$1400.00} XXXXXX/XX/XXXXXXXX {$38000.00} XX/XX/XXXXXXXX {$1600.00} XXXXXX/XX/XXXX XXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XX/XX/XXXXXXXX {$9300.00} XXXX - XXXX Accounts XX/XX/XXXXXXXX {$3900.00} XX/XX/XXXXXXXX {$5600.00} Accounts : XXXX - XXXX {$10000.00} XX/XX/XXXXXXXX {$1400.00} XX/XX/XXXX XXXX {$1100.00}XX/XX/XXXXXXXXXX/XX/XXXX XXXX - XXXX {$1500.00}XX/XX/XXXXXXXXXX/XX/XXXX XXXX {$1500.00}
Product: Debt collection

A XXXX XXXX called with the following message onXX/XX/XXXX17 and I called back and said do not call my number XXXX XXXX XXXX again Voice Mail to Text : This is XXXX XXXX. We have made several attempts to reach you in regards to a complaint filed in our office against you both verbal and written with no response. Please be advised you are at risk for further action. We need you to contact our office immediately. If we do not hear from you by the end of today 's business. Our client will have no other choice but to seek other remedies to protect their best interest to contact us at XXXX ext. XXXX or press one to be connected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts and inquiries that are inaccurate on my consumer report.

Pursuant to : 15 U.S C. 1681 ( a ) ( 3 ) Consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) Consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Company have infringed upon my rights. Pursuant to : 15 U.S.C 1681 section 602A. States I have the right to privacy.

Pursuant to : 15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Further more Company never asked for my permission to furnish or sell my information to a 3rd party debt collector. My right to privacy has been invaded damages have been done. The damages stopped me from traveling to and from work, my mental health causing stress by not being able to provide for my family. I have reached out to company multiple times. Company have removed accounts and put them back on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield interest savings accounts. Cap One misrepresented the 360 savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 XXXX XXXXXXXX  account. This deliberate obscurity trust has resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. I seek to redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been more then 30 days. in accordance wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXXXXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights according to the law. 15 u.s.c.1681i procedure in case of dispute accuracy. If the completeness of accuracy of any item of information contained in a consumers file at a consumer report agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is  XXXX   XXXX  and I had a concern regarding Macys placin g a thirty  day late on my account in  XXXX  of   XXXX  . I was not supposed to be reported for this late, according to a manager i spoke with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen t o Macys.  I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.
Product: Money transfer, virtual currency, or money service

My capital one is blocking for me to access my financial information
Product: Debt collection

I asked credit collection XXXX to explain this erroneous debt several times, they havent sent me any letters, my credit repair company or any of my representatives. They claim this was from a company called XXXX, however the times Ive used XXXX, I havent owed them any outstanding balance. I called XXXX  and they said I have no debt with them.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of XXXX XXXX  and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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: Checking or savings account

After calling PNC Bank, as well as speaking to them via their live chat online, they have refused to provide me with provisional credits to all the disputes I have filed. This has caused my bank account to get below {$1.00} total in it. Since I am not being paid until the XXXX of XXXX, I will have to no money for gas, to eat, or to pay bills due to PNC Bank not providing provisional credits.
Product: Checking or savings account

I bank with Usaa and they use XXXX for payment transfers. I sent money to XXXX to purchase a rifle I sent through the using send to business. I never received my rifle and Usaa and XXXX refuse to return my money. I have provided Usaa with the receipts and conversation transcripts with the company.
Product: Mortgage

Shellpoint and their foreclosure attorney  XXXX   XXXX  are in violation of CA law CAHBOR which prohibits dual tracking. CAHBOR specifically states a foreclosure process may not continue when a work out is being considered. This is an approved short sale and  Shellpoint shows a foreclosure sale date. This is illegal and this activity must CEASE and DESIST. Shellpoint tries to state that the sale date is on hold however that is not in compliance with CA law. The law specifically states the foreclosure process may  not continue. Putting something on hold means you are still continuing with the process. To be complaint there can be NO SALE DATE showing WHATSOEVER
Product: Credit card or prepaid card

I applied for and received a XXXX XXXX XXXX Credit Card from Banco Popular Puerto Rico with an established credit limit. I paid the annual membership fee for the card. I was able to utilize the card for approximately one month without a problem. I tried utilizing the card for the purchase of XXXX tickets ( It is after all an XXXX XXXX XXXX Credit Card ) and the transaction was denied, with all payments being current. As soon as I received the first statement, the account was paid in full. However, I was told the account was under investigation and asked to submit a copy of my drivers licence water bill AND electric bill. I have never had to submit water and utility and driver license to a card issuer after the plastic has been issued to any other credit card. This seems like a scam to utilize private information The account seems still locked and another payment ( not yet billed ) for all outstanding purchases was made. I have tried calling the issuer on repeated occasions and asked to understand what the issue was and why the account has been blocked. The drivers license water bill and electric bill were submitted to the issuer more than two weeks ago. When contacted the issuer once again, the representative told me that the account was being investigated for no reason and further told me that they could not furnish the information to me about my account. When asked to talk to a supervisor, the representative XXXX XXXX told me that was not possible and that there was no way the bank would tell me what the situation was. However, thee bank was efficient in collecting the annual fee for membership. Once again, since no information has been provided, I question the integrity of the bank, the co branded airline, and the intentions with consumers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding their handling of my credit report dispute. I believe Experian has failed to comply with the Fair Credit Reporting Act by conducting an inadequate investigation of my dispute and continuing to report unverifiable information. On XX/XX/XXXX, I submitted a dispute to Experian, online, regarding a debt reported by a Collection Agency ( XXXX XXXX XXXX ). I provided supporting documents, including a copy of the initial certified debt validation letter I sent to XXXX with Proof of delivery and a read receipt, showing the collection agency received it but did not respond. I also provided Experian with a copy of my follow-up certified letter to XXXX requesting them to remove this from my credit report, in-which they did not respond. 

Despite this, Experian initially responded to my dispute on the same day ( XX/XX/year>, stating that the debt was verified, with no changes made to my credit report. Concerned about the validity of this response, I contacted Experian on XX/XX/year>. During this call, I was informed that my supporting documents had been " overlooked '' and that my dispute would be reopened. The dispute was reopened and on XX/XX/year>, I received the results that the debt was again verified, with no changes. 

The Sequence of events raises significant concerns about Experian investigation process. By failing to review the supporting documents I submitted and initially verifying the debt without conducting a thorough investigation, I believe Experian has violated the FRCA 's requirement to perform a reasonable investigation into disputes. 

In addition, the continued reporting of this unverifiable debt has caused harm to my credit score, significantly limiting my access to credit and financial opportunities, like purchasing a house. I request the following actions to resolve this matter : 1. Immediate removal of the
inaccurate and unverifiable debt from my credit report.

2. A detailed explanation of the methods used by Experian to verify the debt.

3. Assurance that Experian will take corrective steps to ensure compliance with FCRA investigation standards in the future
Product: Credit reporting, credit repair services, or other personal consumer reports

this was never submitted to insurance to be paid, the company needs to call the insurance company and have them investigate this. I have contacted the company several times, no one has contacted me back. We never received a bill either. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2018 ( 4 mos ) Original Creditor Name BACK XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Mortgage

COMPLAINT : I submitted the required {$990.00} prior to the XXXX of the month each month since inception as well as an additional {$350.00} per week to expediently repay the loan. I attach all statements commencing XXXX to XXXX indicating that all payments stated were made and received. Despite paying over double the requires monthly payments, Rocket Mortgage failed to timely apply the funds, misapplied the money received, sent statements requesting payment in excess of the amount due, levied improper late charges and sent statements with loan activity details so complicated that even a CPA could not understand how the money received is actually being applied.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00}
Product: Credit card or prepaid card

I was updated through the credit karma app and it said i had great approval odds for credit cards, but none went through and came up in my credit report ast hard inquirys.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED XXXX XXXX XXXX Department XXXX XXXX XXXX, XXXX, GA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX This correspondence is to inform you, There is information that is on my consumer report that is a result of Identity Theft. I did NOT provide written permission or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block and delete this is not being made in error, nor is my request to block and delete being made on the material of misrepresentation of fact by me relevant to the request to block and delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 You are required to do what I am asking and advising, and block these transactions from being reported to my consumer report within 4 days ( XXXX hrs ) from the date and time of receipt of this notice. I look forward to your prompt correction of my consumer report and your response. 

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

XXXX XXXX XXXX by Comenity Capital Bank has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted Comenity and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated information.
Product: Money transfer, virtual currency, or money service

I am unable to make a transaction on XXXX because my bank, PNC, would not allow me to connect my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX CO ( Original Creditor : XXXX XXXX VA XXXX XXXX ) XXXX Balance : {$8500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance : {$90.00}
Product: Mortgage

I have two houses House-A and House-B. I lived in A until XX/XX/XXXX and moved to B. Now, house B is my current primary residence and will stay here for long period. 

We bought this house ( B ) in XX/XX/XXXX when my children were born ( XXXX ) and we lived here until XX/XX/XXXX, they grown here until they become XXXX XXXX XXXX. In XX/XX/XXXX when we moved back to this house we felt like we are back to our true home. Also, one important thing to note is my kids go to the school right in front of the house B. 

I told the lender that I will be subdividing the property A as the market went up and it is good time to make some money by selling these lots. 

I applied cash-out refinance in XX/XX/XXXX under primary residence category. The lender " quicken loans '' accepted the loan application under primary residence plan and verified that I am actually living in B. But at the final stages the lender backed off and he converted the loan as investment property loan. This changed the whole equation. I had to bring in additional money and had to pay for an appraisal, had to pay more APR and had to shrink LTV to 75 %. This is a violation of Equal Credit Opportunity Act ( ECOA - XXXX XXXX XXXX ). Due to this change, the whole process delayed as well.
Product: Credit reporting or other personal consumer reports

I have asked for contract that I signed from them proof that the debt is my debt nothing I sent hours on the the phone and didnt get a response just more confusion and the run around now I want to take legal action with XXXX and Berlin- wheeler, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian to dispute several accounts due to identity theft. The first attempt at solving this issues was in XX/XX/2020. I received a letter stating the accounts were verified without any proof of verification nor my actual signature signing for the authorization of these accounts. Since Experian didn't take my concerns seriously I have since received an erroneous amount of inquiries have shown up my report as well. Based on the last letter received from Experian a human did not even bother to investigate my complaints. The letter was very generic and nothing was done to correct the problem. Experian has violated Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & section 605B of the Fair Credit Reporting Act ( FCRA ).

I have attached all supporting documents for this claim.