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

Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX in violation because they have been reporting to two third parties. XXXX and Transunion. Without my knowledge and consent. 
As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to two other parties.

15 Usc & 1692 C does state Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX and Transunion have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses, and inaccurate spellings of my name. The only thing that should be on my report are criminal convictions and anything I give consent to. These are violations of the FCRA. Also the account from XXXX XXXX on both of my reports. Thats another violation. 

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before.If I have given consent at any time. I still have the right to opt out. I am opting out their reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX a Texas company, at XXXX XXXX one night demanding that I provide banking information to pay for an unfamiliar debt before the account is added to my credit reports. The lady stated that she could see that the account is not on my credit files, and if I wanted to keep things that way, I would need to pay now, or the account that is not on my report would then be added. I said that I didn't owe anyone anything, maybe you have the wrong person, I am a victim of identity theft, and if she wants to communicate with me, she should do it by mail or email. I asked the lady to mail verifiable proof that the so-called debt is mine, but the lady just hung up in my face. Then, on XX/XX/XXXX, a collection account appeared on my three credit reports. I disputed the account across my credit files. I advised that I didn't have any business with any of the associated companies. I still have no verifiable proof that the debt belongs to me ; in fact, I'm certain that it doesn't. 
Additionally, I remember in XX/XX/XXXXa collection account appeared across my credit reports times before. The reporting collection agencies could not provide sufficient documentation that the debt belonged to me and each credit bureau removed that false collection account accordingly. AND This newly added collection appears to keep being sold from agency to agency because none can substantiate the debt. I'm tired of keep having to prove the same proof this debt does not belong to me. Additionally, XXXX XXXX XXXX  SHOULD NOT HAVE BEEN ABLE TO VIEW MY CREDIT FILES ; I have no business with them. They have several complaints with their areas XXXX  and other online complaints about fraud and stealing person money and not providing what they had promised to the consumer. I don't see myself paying for something that I do not owe and want this account REMOVED from my three credit files accordingly. What this company is doing to consumers is unlawful. The three credit bureaus should start considering the consumer ; I have Locks and freezes, I have even opted out of pre-screened offers, NO ONE should view my reports unless I do business with them. I want to sue them for financial damages
Product: Credit reporting or other personal consumer reports

Attempted to get free credit report through EquiFax, initially using annualcreditreport.com then tried directly creating an account at equifax.com. Even after sucessfully creating an account on equifax.com, both methods give me an error of " We are temporarily unable to complete this request ''. The other XXXX credit reporting agencies do not give me any issues. XXXX
Product: Debt collection

Receipt of email notifications hitting my outlook inbox regarding debt collection by Transworld Systems IncXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, PA XXXX on behalf of XXXX XXXX located in XXXX, California. TSI reference number is XXXX in the amount of {$210.00}. The XXXX XXXX listed in the email shows an address is located in XXXX XXXX, California. I have never resided at that location, nor have I ever had services provided by XXXX XXXX. This is the 2d email Ive received and I havent responded or attempted to contact them because XXXX suspicious of phishing emails from unknown/unrecognized senders.
Product: Debt collection

on XX/XX/2021 I settled a debt to Jefferson capital systems , LLC for {$2200.00} that XXXX SOLD to them on my behalf without my permission. Jefferson cap. then furnished my credit report without my consent to try to collect debt on behalf of XXXX. Before doing my own research on legalities and identity theft, fraud, and defamation of character I went ahead and paid this alleged debt.
Product: Credit card or prepaid card

On XX/XX/2020 Capital one deny me equal rights. One because my credit score The fact proves my credit worth.Two my credit report prove my pay ment history. They violated my rights under the consumer financial protection bureau law.
Product: Money transfer, virtual currency, or money service

I received a new mobile phone and had to create a new XXXX email. I no longer have access to my XXXX email that I used to initially set up Venmo. I have tried several times to chat with an agent to help log me in, however Venmo auto self help support which is all they offer only repeats itself and I can not log in. The Venmo support help is nonexistent. Please help me log in. 
However, my phone number remains the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 alleged fraud or extortion. 
XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$410.00} XXXX  XXXX XXXX XXXX : {$450.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$50.00} {$70.00} {$150.00} {$100.00} {$90.00} {$120.00} {$150.00} {$120.00} Grand total {$880.00} Tried to request these amounts back and was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams using my documents of XXXX county Indiana of XXXX   XXXX Indiana of XXXX XXXX Hospital of XX/XX/XXXX Frauding scams frauding my parents documents of XXXX XXXX XXXX XXXX XXXX XXXX ( who is decest ) Fraud scams frauding using XXXX Frauding death record of XXXX XXXX XXXX XXXX of XXXX county Indiana Frauding scams frauding using using XXXX XXXX XXXX XXXX documents of XXXX county Indiana Frauding scams frauding my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/XXXX Frauding scams using my immazation record of XXXX XXXX of XXXX county Indiana which ran through 10 States schools Frauding scams frauding my documents of Grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana. She was a XXXX XXXX  retiree Frauding scams frauding her 4th husband of XXXX XXXX of Michigan State he was a XXXX XXXX retiree Frauding scams frauding my great great grandparents death record 's of. XXXX XXXX married to XXXX XXXX of Sir name XXXX Frauding scams frauding her parents of my 3 time 's great grandma and grandfather who are decest. 

Frauding scams using XXXX XXXX who was married to XXXX XXXX serial numbers death record 's. 

Frauding scams using using XXXX frauding XXXX XXXX Hospital of of XXXX XXXX Indiana who was the head of XXXXXXXX XXXX Hospital  as an XXXX XXXX.. 

Fraud scams using XXXX Frauding scams using business permits Frauding scams using my XXXX school documents of XXXX XXXX high school of XXXX   county Indiana Fraud scams using my grade school documents of XXXX elementary School of XXXX XXXX Indiana as others States land development Frauding scams using XXXX Indiana and XXXX XXXX Frauding scams using XXXX Indiana XXXX School as XXXX XXXX   Frauding scams using my documents of XXXX XXXX XXXX as XXXX XXXX   Frauding scams using XXXX XXXX  and XXXX XXXX   Frauding scams using scams using auto stores and medical fraud scams using construction crews Frauding scams frauding 50 states wide Frauding scams using fashion related Frauding scams subdivision sinage Frauding scams frauding my documents and shopping malls Frauding scams using XXXX XXXX Frauding scams frauding my documents as lawyers and judges and attorneys and law partners Frauding scams frauding my documents as adult entertainment scams Frauding scams using my documents as semi truck and send trucks companies 50 states groceries stores retailers store 's products and diner resterant franchises tore in to many documents Federal not interested in 65 percent of USA federal date block over land development areas talking in my documents. 

Frauding scams using many XXXX frauding XXXX XXXX and using business Others also frauded using XXXX XXXX  school using XXXX Frauding scams using using streets and hwys sinage  Frauding scams using dictionary companies and encyclopedia XXXX Frauding scams frauding XXXX Indiana Frauding scams using XXXX Frauding scams using dump trucks
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NEW AND UPDATED INFORMATION : I XXXX XXXX never gave gave Equifax permissible purpose, Pursuant to 15 usc 1681b to REPORT ANY THING ON MY REPORT. Im stating what the law says. They have violated my rights and I demand deletion or well seek remedy.I already contacted XXXX, XXXX, and this complaint at CFPB, According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. 
Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Equifax provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these accounts.
Product: Mortgage

In XXXX of 2019 we funded on a construction loan and refinance of our house through First National Bank. The builder, XXXX XXXX XXXX XXXX, was vetted by First National Bank. We were told that the bank would be in charge of releasing funds to the builder as work was completed and after inspection. The builder was able to collect 90 percent ( {$67000.00} ) of the funds allotted from the loan without passing the necessary inspections. XXXX XXXX XXXX XXXX attempted to collect the final balance ( {$6000.00} XXXX and only was rejected when the appraiser came and declined to approve the final inspection due to shoddy workmanship and an incomplete project. It was after this that we discovered that the builder had failed multiple inspections by the county and continued to build, leaving us without access for the inspectors and possibly resulting in an entire tear down and rebuild.

The bank approved the release of funds without considering important documents and without properly performing inspections to ensure that the builder was building to code. The builder abandoned the project leaving us without a certificate of occupancy and with over {$30000.00} in repairs. 

We are working with attorney XXXX XXXX of XXXX XXXX XXXX, XXXX, and have paid out thousands of dollars to try and recover the money necessary to fix the failed inspections and shoddy workmanship. We have contacted First National Bank several times to ask for support, but have been informed that they will not assist with our legal challenges. They confirmed that they approved the release of funds, but that they did not take inspections vital to completion into consideration. 

If we are unable to recoup these funds we will be unable to fix XXXX XXXX XXXX XXXX 's mistakes and be left without a certificate of occupancy and remain shorted at least {$40000.00} in equity. The bank should bare responsibility for legal fees and court costs as they were responsible for inspecting and approving funds. We may lose our home if we can not afford the legal fees associated with this case and were never informed that the bank inspections would not include ensuring the project was completed to code. The lender is responsible for protecting the consumer to prevent this type of financial loss and ensure that customers are not manipulated by this type of fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which I recently discovered while reviewing my credit history. The account in question does not belong to me, and I request that it be thoroughly investigated and removed from my credit report as soon as possible. The details of the fraudulent account are as follows : Account Name : XXXX XXXX XXXX XXXXXXXX I request that you investigate this matter promptly and initiate the necessary steps to verify the fraudulent nature of this account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report, and I expect that the credit bureau will adhere to the law 's requirements for a timely resolution. If you find that the account is indeed fraudulent, I expect it to be removed from my credit report, and I request that you provide me with an updated copy of my credit report reflecting this change.
Product: Consumer Loan

I have a loan from XXXX credit from 14 years ago that I defaulted on in my younger years. I have heard nothing of this debt in at least 8 years, this is no longer on my credit report, I have not received any letters for an attempt to collect, they have not contacted any of my previous employers, an out of the blue on XXXX XXXX XXXX the payroll department of my current employer received a subpoena from a lawyers office by the name of Rubin & Rothman LLC demanding information on my pay. This debt is from XXXX/XXXX/XXXX, almost 14 years old and from what I understand the statue of limitation for the state of NY is 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to clean up my credit to buy a new home and automobile. I have learned throught the CONSUMER FINANCE PROTECTION BUREAU on how to use your rights as the consumer. With that said ; I found out In accordance with the Fair Credit Reporting act these accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I NEVER AUTHORIZED OR GAVE WRIITEN CONSENT ANY OF THE THREE CREDIT REPORTING AGENCY TO PUBLISH ANY OF MY CONSUMER CREDIT TRANSACTION. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  I XXXX, XXXX XXXXXXXX, XXXX XXXX,, has violated my rights. 

I want action taken immediately to recover the lost of a higher credit score which had made me pay a higher interest rate on my CONSUMER TRANSACTIONS, because of the information on my credit report. 

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. 

I have uploaded a file with my current XX/XX/2022 credit report to show the evidence that their are inaccuracies on my credit report from all three CREDIT REPORTING AGENCY.
Product: Debt collection

On XXXX/XXXX/2015, I filed an dispute with Enhanced Recovery Company. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Enhanced Recovery Company. never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get information on my report that is reporting inaccurately removed. I have sent several letters to the collections agencies and credit bureaus in this attempt. The information has not been verified, and have not received proper responses back. I have sent letter back in XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. Just looking to get several items correct. I have called as well. Call back in XXXX and XX/XX/2021. Was told they have my written request, but have no took any actions. They can not do much over the phone, so I do not know what else is needed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent inquiries on my credit report from XXXX that they refuse to have removed every time I call them they say that they sent the paperwork to transunion ... I contact transunion and they say they can not remove it without a release from XXXX ... I was a victim of identity theft when a person from a computer opened a credit card in my name ... they removed the account but not the inquiry then a year later they ran my credit again when someone tried to repeat it again but they did not issue them a credit card the second time ..but there is two fraudulent inquires on my transunion credit report that XXXX will not remove ... but they say they send request to transunion ... but again the inquires are still there
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards with the incorrect items on my credit report. Its been well over 30 days & i haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Date XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this