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

In accordance with the Fair credit Reporting act. The listed accounts below have violated my federal protected concumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX have violated my rights. 

15 U.S.C 1681 602 A There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( I HAVE A RIGHT TO PRIVACY ) 15 U.S.C 1681 602 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c. ( a ) ( 5 ) 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. Code 1681s2 ( 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 reporting or other personal consumer reports

I am submitting this complaint against Bank of America due to their failure to remove me as an authorized user from a credit card account and their continued reporting of delinquent activity to the credit bureaus under my name.

Issue Summary I was added as an authorized user on a Bank of America credit card account. 
On XX/XX/year>, I contacted Bank of America customer service and requested to be removed as an authorized user from the account.

Despite my request, I was never removed from the account.

The account later became delinquent, and the delinquency is being reported to the credit bureaus under my credit file, negatively affecting my credit score.

I have made multiple attempts to resolve this issue with Bank of America, but they have failed to take action.

Attempts to Resolve the Issue I contacted Bank of America customer service on XX/XX/year> my removal request. 
I was either told that my request was processed or that they would investigate, but no action was taken. 
I have disputed the delinquent reporting with the credit bureaus ( XXXX, XXXX, and XXXX ), but the account remains on my credit report. 
I have provided proof that I was an authorized user and not responsible for the debt, yet the negative reporting continues.
Product: Debt collection

WILLIAMS RUSH & ASSOCIATES with account # XXXX and a balance of {$2500.00}. I have not received any goods or services from you all nor do l intend to. I have no intentions of any contractual obligations with you all in the further as well. Please consider this as " notice '' Any reporting to my consumer report to any of the consumer reporting agencies will be direct violation of Section 623 ( A ) ( 1 ) ( A ) ( B ). Sec. 623. 
Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. I am kindly asking for you all to cease and desist or I will take legal action for you violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Product: Credit card

CAPITAL ONE BANK USA XXXX, reported to the XXXX major credit bureaus that I was 30 days late from XXXX XXXX through XXXX XXXX and also XXXX of XXXX. I have had the account on automatic payments for more than the required amount due every two weeks and have since the beginning of this credit card. I have contacted them on numerous accounts to resolve this discrepancy of which none have yielded valid action to rectify their major reporting deficiencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed my credit report about 2 years ago and seen bull city financial which is a collection agency for XXXX XXXX XXXX in the amount of {$600.00}. This debt has never been validated after numerous attempts. I have never signed a contract nor have I had a verbal contract with them. I am not aware what address I was supposedly living at, not aware of an accurate amount, never received mail about the debt. Since moving from XXXX  to XXXX  in 2014 my electric bill has always been in my husbands name ... please verify and validate any contract and amount and address please. This debt is fraudulent
Product: Money transfer, virtual currency, or money service

I received a payment via XXXX on PayPal on Sunday XX/XX/XXXX at XXXX. It was described to be available in 3-5 business days. On Friday XX/XX/XXXX, my XXXX still was not available in my account. I called customer service and they said it hadnt been the full 5 days because of the XXXX XXXX holiday. On Monday XX/XX/XXXX, the XXXX was still not available in my account. I called customer service and they told me it would be available later that day, as I have seen the FULL 5 days out. Today is Tuesday XX/XX/XXXX, and the money is still not available in my account. Why should my money sit in an interest bearing account on the behalf of PayPal for over a week? Where is the interest payment to ME on MY money that PayPal has held for over a week now? How am I supposed to run a business this way?
Product: Debt collection

This complaint is in regards to XXXX  treatment rendered and completed in the latter months of XX/XX/XXXX. Exact dates are not know for treatment. My XXXX   treatment was completed XX/XX/XXXX. I have received a letter in the mail from a collection agency for the treatment received by my former employer XXXX XXXX XXXX in XXXX OH Re : acct # XXXX. I would like to make it clear that my complaint is NOT directed towards the XXXX that rendered thesXXXX XXXX   services to me.

My compliant is however directed towards the clerical staff and manager that were/are involved in this alleged debt. A notice for a bill in the amount of {$2700.00} was sent to me on behalf of XXXX XXXX XXXX- XXXX   office by RGS collection agency on XX/XX/XXXX.

Exactly 3 days before my employment was ending due to me relocating out of state.

An employee discount was discussed and offered by the treating dentist and approved by the office manager XXXX XXXX  before any XXXX treatment was rendered. The amount attempted to be collected was explained away by XXXX XXXX  as several different clerical oversights and billing issues with my XXXX insurance company. I was told by XXXX XXXX on several occasions to disregard any bills that were received, that they were to be cleared up by herself or company admin.

I was told this for 2+ years up until the date of receipt of the collection notice and after. My moving out of state ( XX/XX/XXXX ) seemed to be an out for my former employer and manager XXXX XXXX to saddle me with debt I don't owe nor has she provided proof of me owing via a signed treatment plan to confirm this debt.

My credit is in jeopardy of being damaged by this debt collection that XXXX XXXX knows will dis-rail my future career goals in real estate as an real estate investor and a major reason of my relocation.

Any efforts to resolve this issue reasonably seems to be exhausted.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Credit Collection Services XXXX XXXX Re : Dispute of Account : XXXX To Whom It May Concern, I am writing to dispute the validity of the alleged debt associated with the above-referenced account. Under the provisions of the federal Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I hereby exercise my rights to request that all communication pertaining to this debt be ceased and desisted immediately. 

It has come to my attention that you have been attempting to collect this debt from me, and as per my rights granted by consumer protection laws, I am demanding that all communication cease with me, my family members, friends, or my employer concerning this or any other purported debts you claim I owe. 

According to the FDCPA and FCRA, I have the right to dispute the alleged debt and to request verification of the debt from your agency. I am requesting that you provide me with written documentation, validating the legitimacy of this debt, including the amount owed, the original creditor 's name, and any relevant account information. Until proper validation is provided, I dispute the debt in its entirety. 

Moreover, it is essential to bring to your attention the requirements outlined in the XXXX XXXX XXXX XXXX, which are mandated by the FCRA. Any information you furnish to credit reporting agencies must be accurate, complete, and updated. If you have already reported this debt to any credit bureaus, I demand that you correct any inaccurate information immediately. 

Failure to comply with my request and the relevant consumer laws within 30 days from the date of receipt of this letter will be considered a violation of my rights under the FDCPA and FCRA. In such an event, I will have no choice but to file a complaint with the Federal Trade Commission and the Attorney General of Florida, outlining your non-compliance. 

Please be advised that I am fully aware of my rights under the law and will not hesitate to pursue civil and criminal remedies to ensure my rights are protected. 

Sincerely, XXXX XXXX
Product: Debt collection

MCM MIDLAND CREDIT MANAGEMENT SENT ME A LETTER COUPLE OF MONTHS AGO. THEY WERE REPRESTING XXXX XXXX  SAYING I OWED XXXX DOLLARS FOR XXXX XXXX XXXX  NOW I RECEIVE A LETTER THAT I OWE XXXX OFFERING ME A 10 % DISCOUNT. THE AMOUNT HAS TRIPLED. THIS IS A SCAM OR PREDETORY COLLECTION PRACTICES. 
THEY HAD A CLASS ACTION LAWSUIT IN XXXX AND ANOTHER IN XXXX.
Product: Mortgage

XXXX sold my loan to Chase. I didn't know anything about it until the very last minute. 
When I call the ignorant people they have answering the phone only know how to say they don't know. 
I think a 60 day notice to the person buying the home should be in order before they have a right to do anything with the loan. 
Nobody can find my check or money and nobody from either company knows anything.
Product: Debt collection

Over the past few years we have been contacted by the collection agency Knight Adjustment Bureau about our car that was given back in XX/XX/XXXX and they always send us a paper stating that we are not being cooperative and that they will report and damage our credit which it was already reported. The tone of the letters are always threatening and when they call the use the same threatening tone. We have asked numerous times about getting a validation on exactly we owe but we never get it. They even said on the phone that there was 2 amounts listed, we were never given notice of sale after we voluntarily gave the care back or when and how much it was sold for. On our credit they listed as a involuntarily repossession. We sent a certified letter asking once again for the validation on XX/XX/XXXX and it came back yesterday the XX/XX/XXXX unclaimed. We have tried numerous times to get this resolved and they have yet to cooperate with us.
Product: Credit reporting or other personal consumer reports

I tried contacting XXXX XXXX XXXX XXXX via XXXX XXXX mail various times over the last 6 months beginning in XXXX of 2024 with this letter dated XXXX as the recent one and they do not respond. This is a final attempt to cure before I move to litigation for their gross negligence.
Product: Debt collection

XXXX had a billing issue when I moved several years ago, and " could n't find me in the system '' despite the fact that I was still a paying customer at a different address. So they submitted a {$90.00} debt ( which I did validly owe ) to debt collections. Got a phone call from the debt collections agency, called XXXX, and then I paid the debt immediately to XXXX, and the whole issue should have gone away. 

Now, 3 times subsequently, the same {$90.00} charge supposedly attributed to XXXX has gone to a new debt collection agencies. Each time I call XXXX, and they claim that they have nothing to do with it. 

I 've contested the collections notice with XXXX and XXXX and they still pop up. 

It 's outrageous, and it 's hurting my credit rating. I have no idea what to do.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX  XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Product: Credit card or prepaid card

I had trouble getting this company to understand my hardship. I was in XXXX  for a period of time for a crime  that I did not commit. I attempted to negotiate before the account closed due to my absence, but they would not work with me and eventually it closed with negative debt. When I did get my legal situation sorted out, I was let go. Now, I have been working to get my vital credit accounts back in great standing to keep my credit alive and well. They have told me on several attempts that its their decision to close accounts for any reason. All I ask is that American Express work with me and open my account again while I pay the debt down to XXXX over a period of 5 months. Thats definitely negotiable in my eyes considering I have stable income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Debt collection

XXXX XXXX XXXX inquiry from XX/XX/XXXX,2017 I have a hard inquiry on my credit report that is really affecting me and I have n't received a loan from this company. I overstand there 's an adhesion contract here and I need it removed stricken or deleted from the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 XXXXXX/XX/XXXX I did not request anyone working for these companies to conduct any inquiries or view my credit report. Furthermore, I did not give Transunion permission to include this information on my credit report. This is a violation of Section 1681b ( c ) of the Credit Reporting Act, which constitutes fraudulent activity, as well as a serious violation of my privacy rights. Please confirm this information with these companies and send me copies of any documentation associated with these accounts that bears my signature authorizing an inquiry. 
I also demand that Transunion produce a contract between you and me, the consumer, with my signature, indicating that I granted you permission to provide any information on my behalf. 
In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be removed from the credit file you keep under my Social Security number immediately. 
Please keep in mind that the Fair Credit Reporting Act section 611 gives you 30 days to produce the requested contract and complete this investigation. 

XXXX : XXXX : XXXX { Agent/Beneficary } All Natural Inalienable Rights Are Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

WELLS FARGO XX/XX/XXXX WELLS FARGO BANK XX/XX/XXXX WELLS FARGO XXXX ONLY XX/XX/XXXX WELLS FARGO XX/XX/XXXX " I am opting out of your reporting services. 















According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

WELLS FARGO WELLS FARGO BANK WELLS FARGO XXXXXXXX ONLY WELLS FARGO are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time.

" I am opting out of your reporting services.
Product: Credit card

A fraudulent credit card account was opened in my name and was charged XXXX dollars this account was opened on XX/XX/2021 and was unverified i would like for this account to be removed asap.
Product: Credit card or prepaid card

On XX/XX/2018 Chase bank made an automatic payment out of my credit union account which they have in file for the amount of {$190.00} despite of have another payment for {$200.00} coming in from another Chase checking account on the same day. I spoke to both banks and the XXXX XXXX XXXX  explained that Chase bank requested a payment and due to not enough fund on my credit union account Chase cancelled the payment. I explained the situation to Chase customer service that the automatic payment was off long ago for more than a year and it was obvious that the payment wasn't meant to be since I had scheduled another payment on the same day. I requested to look at the payment activity that it will be crazy of me to switch on the automatic payment knowing I don't have enough funds on the XXXX XXXX account. Chase only agree to turn off the automatic payment off and say sorry for the insufficient fee from my other bank I have to face for some kind of glitch on Chase end.