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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f )XXXX XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 



15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 



616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; PLEASE REMOVE THE FOLLOWING : 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 : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple disputes with all 3 credit bureaus regarding a care credit dispute. I have never received any paperwork suggesting this account belongs to me. I have been going back and forth with each credit union for the last two years with no success. This has been on my credit report for years with no success. I have exhausted all avenues with no response or explanation. This is not acceptable and against the law
Product: Debt collection

I noticed a collection notice placed on my Credit Report ( all 3 bureaus ) by a collection agency named Sequium Asset Solution on XX/XX/2019. The original creditor name is XXXX. This is not my account and I never received any collection calls from the collection agency or XXXX. 

I have no XXXX accounts so I reached out to XXXX, they said that they couldnt find any accounts under my name or the address i have lived at for the past 7 years. 

I then called Sequium Asset Solution at the phone # provided on the credit report ; XXXX. They couldn't find any account under my name or address either but they said they will get back to be. I didn't hear back from them so I called again and the same thing, they said they couldn't find any account with my information. I asked to be transferred to another department that could tell me more about this account. I was transferred to another department and they asked my for my SSN and other info. They still couldn't find any account under me. They asked me to fax them the Credit Report where is see the collection notice, i have been trying to fax them the credit report at the number they provided, XXXX, but that number is not accepting faxes. 

My Credit score has dropped by 100 points due to an account i never had and i am not sure how to get this resolved. The Collection agency has been of no help.
Product: Credit reporting or other personal consumer reports

I have filed disputes with Experian in relation to several illegal collection accounts on my credit report, but they keep verifying them as accurate without providing their verification methods and do nothing to remove the accounts. As a result, my credit score has continued to decrease as all the following accounts are still on my credit report despite me filing a dispute and them not providing their verification method : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00}
Product: Debt collection

The follow accounts has caused me financial ruin. 
Capital One Bank {$690.00} XX/XX/2018 XXXX {$2500.00} XX/XX/2018 XXXX XXXX {$0.00} XX/XX/2018 XXXX {$0.00} XX/XX/2018 XXXX XXXX XXXX {$0.00} XX/XX/2018
Product: Credit reporting

On XX/XX/XXXX, I discovered that this information had been reinserted into my credit file after previously being deleted. I was not contacted by the Credit Reporting Agency, Equifax nor had I received any correspondence. I have been keeping up with my credit file and attached is the screenshot of the removal XX/XX/2016. I disputed this issue with Equinox through fax and was given XXXX case numbers but the only issue " verified '' was about a student loan that they claim was in a bankruptcy case and I HAVE NEVER ever filed bankruptcy nor was that my current dispute so I am at my wits end and did n't know anything else to do to handle this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently violating my rights under the Fairs Credit Act. I am a victim of Identity Theft. I disputed a fraudulent account listed on my credit report with EXPERIAN that was NOT made or authorized by me. I filed an official police report with the XXXX Police Department on XXXX XXXX, 2022 ( Report # XXXX ) reporting the fraudulent account XXXX  which I first noticed in XX/XX/ 2022. I also filed an FTC report on XXXX, 2022 reporting the fraudulent account. 
On XXXX XXXX, 2022 I received a response from Experian dated XX/XX/ 2022. Experian indicated that the fraudulent accounts " XXXX XXXX XXXX '' and " XXXX '' are currently NOT listed on my consumer credit report. However, the account " XXXX '' is still currently listed on my consumer credit report with a balance of {$410.00} ( Account # XXXX. Today after a second dispute with Experian, their results of their reinvestigation of the fraudulent account were The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
They also stated in the notices that We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. However, a copy of my current drivers license, copy of social security card and utility bill was provided to Experian several times. 
EXPERIAN is currently in violation of my rights under the Fairs Credit Act. These violations include ; Reporting inaccurate information on my consumer credit report Failure to comply with section 605b of the FCRA as a result of identity Theft Failure to remove the fraudulent account from my consumer credit report even after providing an official Police Report and FTC Report Failure to conduct a reasonable investigation of the dispute Making false statements to the Florida Attorney Generals office stating that the account is not listed on my consumer credit report Causing financial hardship due to the fraudulent account listed on my credit report Under The Fairs Credit Act, I am entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages.
Product: Debt collection

Repeated calls stating I owe a debt. When ask to whom and for how much they ask me for my social security number. According to CA law I requested a written original copy of debt and have never received ... ..they have been calling for over a month, several times a day and refuse to identify themselves or any other information unless I give them my social security number. Their identification on my phone shows up as " Credence ''. This has got to stop!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress? for these violations.
Product: Debt collection

XXXX contacted my parents on XXXX/XXXX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XXXX/XXXX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.
Product: Debt collection

I have paid the debt and I keep receiving bills and phone calls. The account # XXXX has a credit balance that was to be applied to acct # XXXX. These are XXXX account numbers. The accounts were sent to Receivable Solutions, INC. and both agencies refuse to make the corrections. The name of the rep at RSI that I have spoken with that were rude and condescending. I will go into details once I speak with someone from your office. The reps are XXXX ( rude and condescending ) XXXX XXXX rude, XXXX and XXXX.I spoke with those representatives in XXXX, XXXX, and XXXX On XXXX spoke with XXXX a supervisor that saw the problem apologized and stated it would be corrected. On XXXX/XXXX/16 I spoke with the rudest of all supervisor named XXXX and he told me to send a letter to time relations and he was not going to research the issue and I can not speak to his manager or anyone higher than him. The phone # to RSI is XXXX XXXX XXXX. 
In XXXX I also contacted XXXX billing and spoke with XXXX and he refused to transfer me to a supervisor. He was threatening, rude, condescending. He consistently over talked me, and used abusive and profane language. He gave the phone to someone else that said his name was XXXX the traffic director and he would have XXXX XXXX call me. I have sent a letter with a copy of all documentation to XXXX XXXX the Director of Patient Accounts at XXXX her phone number is XXXX and the account still has not been corrected. I do not owe this bill the hospital owes me.
Product: Debt collection

Td bank has repeatedly called my cell phone today and yesterday while I was at work. Td bank called me from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXesterday they called at XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has caused disruption for me while I'm working. When I spoke to the bank today and advised of the excessive calling, the rep and I quote stated " the calls will keep coming '' this is a violation of the fdcpa, cfbp, and ftc. I am work and its harassment.
Product: Mortgage

XXXX, formerly XXXX is refusing to provide a statement on a monthly basis that gives me the break down of my loan payment. I do n't have any way of knowing if extra fees are added, what amount was paid out of my escrows, and the amount that is principle and interest. I have written them a letter asking them to send it to me and they have sent me a letter back that said if I do n't reaffirm the loan they will not give that information to me. The loan has never been late, and I have indicated to them that I intend to pay the loan until it is paid off. I do n't know if they are overcharging me or not. They refuse to give me this information. I do n't even know how much I still owe. They wo n't tell me that either. I am having difficulty filing my Income Taxes because the information is not given to me. They will not tell me how much is in my escrow account and when the payments are made out of it. I do n't know how much they are paying for the insurance, and they said my taxes went up but they went down. They said the escrow payments are making my loan payment go up. I do n't know how much or what for because they refuse to give me that information. I feel like my rights are being violated and there is a potential for fraud on their part since I am in the dark. They wo n't even put my name on the statement but I am on the loan. My sister XXXX XXXX is also on the loan and she did not file bankruptcy and they will not provide the statement to her either. She is still fully responsible for the loan.
Product: Credit card

I had a fraudulent balance transfer on my credit card. US Bank refuses to give me the info about the transaction that I am entitled to according to Public law 108-159. I was told I would have to get a lawyer to get a sepeena.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXXXXXX, has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXXXXXX XXXX has violated my rights. Account # XXXX XXXX XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX XXXX  has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX XXXX XXXX  has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I previously demanded CREDIT CORP SOLUTIONS , INC. to remove this adverse account thats fraudulently has been reporting on my consumer report and causing me damage for the last three years. They refused my demand and fails to produce the original contract between me and the original creditor. Instead CREDIT CORP SOLUTIONS , INC. sent me a dispute response with XXXX XXXX agreements that I dont recognize and language stating that the debt is valid but did not provide me with any wet ink signatures on the original contract which shows to me that they are not the original creditor nor can validate that I owe this debt. I received a zero balance bill on XX/XX/2022 there is no reason why this company should be harassing me and causing my report and my family damages. Charge offs are not to be included in the consumer report due to the fact that a charge off is considered an Income account and income is not to be included in the Consumer report per the IRS. CREDIT COPR SOLUTIONS , INC. Is fraudulently accessing my personal information with the aid of XXXX XXXX XXXX and I demand it to stop. REMOVE ALL THIS FRAUD OFF MY REPORT OR EXPECT A PRE-ARBITRATION LAWSUIT.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX are reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court. 

Specifically, Equifax, XXXX and XXXX are relying on XXXX XXXX, not the Court, and are reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by XXXX XXXX, not the U.S. Bankruptcy Court. The information is different and inaccurate. 

The credit reporting agencies are using information that XXXX XXXX purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to XXXX XXXX, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion numerous documents to show that information on my credit report is incorrect. They have put a freeze on my report and will not correct my information. They will not help me, and I've sent sensitive documents through the mail to them, to verify that the information they had was not correct Please Help!
Product: Checking or savings account

M & T Bank acquired Peoples Bank where I had 2 accounts plus a safe deposit box at a XXXX XXXX XXXX. The safe deposit boxes could not be accessed except by appointment ( I believe they are closing the branch ), so I made an appointment on XX/XX/XXXX to come down and empty out my box and I chose not to get a new box. 

On XX/XX/XXXX ( after the merger ) M & T charged me {$65.00} rent for a safe deposit box ( that I no longer had ). I called customer service several times and emailed the local contact at the closed branch, but no one knows how to credit me the {$65.00}, or how to stop future charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user of XXXX XXXX XXXX XXXX ending in XXXX paid off infull with zero balance. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act.

In Addition, Penfed credit Union overdraft is also paid infull with zero balance for account ending in XXXX. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act.

As a result, my recredit report is incorrect and inaccurate.
Product: Credit reporting or other personal consumer reports

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Experian Accounts 1. XXXX XXXX XXXX Account Number : XXXX Amount {$300.00} 2. XXXX XXXX Account Number : XXXX XXXX {$230.00} 3. XXXX Account Number : XXXX Amount {$40.00} XXXX. XXXX Account Number : XXXX XXXX {$2300.00} XXXX. XXXX Account Number : XXXX Amount {$2300.00} XXXX. XXXX Account Number : XXXX Amount {$3400.00} XXXX. XXXX Account : XXXX Amount : {$7500.00} XXXX. XXXX Account : XXXX XXXX {$10000.00} XXXX. XXXX Account Number : XXXX XXXX : {$3500.00} XXXX. XXXX Account Number : XXXX XXXX {$6100.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$3600.00} XXXX. XXXX Account Number : XXXX XXXX : {$7800.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$7300.00} XXXX. XXXX Account Number : XXXX Amount : {$3600.00} XXXX. XXXX XXXX Account Number : XXXX Amount : {$270.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.