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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis has n complete information in my file, I have filed a complaint with you, Lexis Nexis replied thayt I should call an XXXX number they provided, That got me no where the person at the XXXX number said it was wrong department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C 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. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : 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 Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MA XXXX Equifax Employer : XXXXXXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. 
Medical XXXX Balance : {$35.00} Medical XXXX Balance : {$35.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out a certified letter to Best Buy on XX/XX/XXXX to provide proof of the late payment reported on my credit report for XX/XX/2020 but it has now been over 30 days and i have not received a response to my inquiry. I am writing for you to help get a the proof i was late or this should be removed from my credit report for all 3 credit bureaus.
Product: Debt collection

I have XXXX and XXXX I'm not responsible for any medical bills. I have submitted all of my policy numbers to the collections ARS ACCOUNT RESOLUTIONS and hospital billing department and they just will not remove it from my credit report.
Product: Debt collection

I asked the company to stop calling my work phone number and my work does not allow private call. They continue to call my work. 

I am not sure of a resolution because I question the legitimacy of the debt. The debt collector informed me that they were not going to call again because I couldn't make a payment yet they keep calling.
Product: Debt collection

On XXXX/XXXX/XXXX, I received a phone from my Auto car company, Kia Finance. Long story short, I requested a Cease & Desist. They proceeded to call me 18 times, from XXXX, 3 times a day. My first complaint for F.D.C.P.A. Violations, Harassment & Abuse. The first call on XX/XX/XXXX  at XXXX XXXX, violated the C & D request. The 17 calls that followed violated Section 806 Harassment & Abuse under the F.D.C.P.A.. I sent a demand for payment & in the letter, I stated would like to resolve this without getting my Attorney or the C.F.P.B. involved, to no avail. I was advised by an Attorney here in XXXX XXXX that Kia Finance does not fall under Federal guidelines for collections abuse. So they have just do what they want. when they want??, how is that even possible. They are a Creditor & should follow the guidelines set forth as all other Creditors do. I have the backup documentation if required. U.S.P.O. receipt showing delivery, the green card, I sent it certified receipt requested, stamped by Kia. I have received 2 letters from Kia, both acknowledging my XXXX & XXXX The first letter dates XX/XX/20. The very next date after I took the 18th call from them on XX/XX/20 at XXXX XXXX. The rep I spoke with apparently knew what he was doing because the letter is dated the very next day. Still the cat was out of the bag so they say since my C & D was requested on XX/XX/20. I am looking for compensation for violations stated above under the F.D.C.P.A. My account was current on XX/XX/20, just 3 day 's pass due & is now & will remain in a current status.
Product: Credit reporting or other personal consumer reports

They are violating my privacy per title XXXX part XXXX I never gave them written consent to put this information on my report. 

The XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) is a federal law enacted in XXXX  that protects the privacy of XXXX XXXX  records. XXXX applies to any public or private XXXX XXXX XXXX XXXX XXXX. It also applies to any state or local XXXX  agency that receives funds under an applicable program of the XXXX XXXX XXXX XXXX. 

The Act serves two primary purposes : It gives parents or eligible XXXX  more control over their XXXX  records, and It prohibits XXXX  institutions from disclosing personally identifiable information in XXXX  records without the written consent of an eligible XXXX, or if the XXXX  is a minor, the XXXX parents ( XXXX U.S.C.S. XXXX ( b ) ). 
An eligible XXXX  is one who has reached age XXXX or attends a XXXX  beyond the XXXX XXXX level. 

Subpart DMay an XXXX Agency or Institution Disclose Personally Identifiable Information From XXXX  Records? 

XXXX Under what conditions is prior consent required to disclose information? 

( a ) The parent or eligible XXXX  shall provide a signed and dated written consent before an XXXX  agency or institution discloses personally identifiable information from the XXXX  's XXXX  records, except as provided in XXXX. 

( b ) The written consent must : ( XXXX ) Specify the records that may be disclosed ; ( XXXX ) State the purpose of the disclosure; and ( XXXX ) Identify the party or class of parties to whom the disclosure may be made. 

( c ) When a disclosure is made under paragraph ( a ) of this section : ( XXXX ) If a parent or eligible XXXX  so requests, the XXXX  agency or institution shall provide him or her with a copy of the records disclosed; and ( XXXX ) If the parent of a XXXX  who is not an eligible XXXX  so requests, the agency or institution shall provide the XXXX  with a copy of the records disclosed. 

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( XXXX ) Identifies and authenticates a particular person as the source of the electronic consent ; and
Product: Debt collection

I received garnishment paperwork at my job. I called them, and they told me this was for a XXXX XXXX credit card from XXXX, the last payment was in XXXX, and they said they sent judgment papers to an old address in XXXX, but I was never notified, and I never received the paperwork. They said my nephew signed for it, but he was XXXX. I haven't heard anything from them until Monday, XX/XX/XXXX, when I received the garnishment papers. I called them and told them that the statute of limitations was up on the debt, and that's when they told me about the judgment they sent in XXXX, and that allowed them 10 years to collect on the debt. I explained that I never received the paperwork, and I had no idea about any of this until the garnishment papers. They would not work out any kind of payment plan, and they were very rude. The debt is {$970.00}, however, I never got anything showing they owned the debt, but they told me since I did not respond to the judgment sent out in XXXX, that I accepted the charges. This is insane to me, because how can I respond, if I never get the paperwork? Is there anything I can do about this?
Product: Debt collection

various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. Please remove immediately from my credit report. 

CITIBANK N.A. / {$850.00} POSTED ON XX/XX/2020 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CITIBANK N.A/ {$2400.00} POSTED ON XX/XX/2020 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I know and as you, Equifax, should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed by MANY without my direct authorization is an invasion of my privacy as well as being illegal! I have made NUMBEROUS attempts to have them removed to NO avail. TODAY, The remedy that I seek for your violations is deletion of all soft inquiries and {$5000.00} payable to myself. However, I am willing to negotiate. If I do not receive remedy or counter, from this notice within 5 calendar days, I am ready to file documents in small claims court. 

Notice to agent is notice to principal, notice to principle is notice to agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXXafter getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card sinceXX/XX/XXXX belonging to my husband. I have a card in my name so I called XX/XX/XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XX/XX/XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX  actually reports to the three CRA 's so I should have all three credit scores since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters to Equifax. I have not received a response. They have not resolved my disputes. Equifax did not conduct a reasonable investigation of my dispute, modifying and correcting any found inaccurate information and removing the disputed items from my credit report within XXXX to 45 days after receiving notice. Equifax XXXX XXXX ( XXXX ) still reporting inaccurate Date of Last Activity and a past due balance on my credit report. It is against violations to continue to report inaccurate information and a past due balance on a charge-off debt. Also, previous addresses that do not associate with me. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information. 

I have attached XXXX forms of id & all of the proof.
Product: Credit reporting or other personal consumer reports

Non-compliant & incorrect reporting. Seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my XXXX  information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX, XXXX XXXX  I XXXX Balance : {$300.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : INSTRUCTION TO BLOCK AND DELETE on XX/XX/2022 XXXX XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX " Picked up at a postal facility at XXXX XXXX  on Tuesday XX/XX/2022 '' Dear TransUnion, I am writing once again to follow up regarding my FTC Identity Theft Report which was submitted to you with a complaint to the Consumer Financial Protection Bureau. The ID Theft report included the information to be blocked from reporting. I also enclosed appropriate proof of my identity and a statement that the information is not information relating to any transaction by me. 

With XXXX XXXX XXXX XXXX confirmation that you have received the required documentation at XXXX XXXX  on Tuesday XX/XX/2022, I am now XXXX  that the information is blocked and deleted from my consumer report IMMEDIATELY : Account Name & Account Number ( According to Consumer Report ) 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 Pursuant to 15 U.S. Code 1681c2 ( a ) : TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT ( Monday XX/XX/2022 at XXXX ). 

THIS IS NOT A DISPUTE, AND THERE IS NO 30-DAY TIMEFRAME.

15 U.S. Code 1681c2 ( a ) does not necessitate any 3rd party input or response.
Product: Checking or savings account

Bank of America, XXXX XXXX and XXXX have allow people to open up frozen accounts in my name and when I contact them they treat me like I'm the criminal also XXXX XXXX
Product: Mortgage

This company appears to be maximizing interest and fees charged to their customers by creating challenging payment terms. I enrolled in auto pay but choose to make additional principle payments. To make a principle payment on-line, a {$7.00} charge is assessed. To avoid this fee, I have attempted to mail payments to this company. Even though the checks are clearly marked " Principle Only Payment ( and my account number ) ''. the payment is not handled properly and they " suspend '' payments and monies do not roll into principle even when auto pay is processed. The other MAJOR issue is a payment mailed on XXXX/XXXX/XXXX was not posted until XXXX/XXXX/XXXX. 10 days to mail to a collection box is ridiculous and my feeling is that this type of payment is being held until regular payments are processed. I have tried reaching out to them for a remedy but have not received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was repossessed after paying for 4 years amount owed on contract to Santander it changed by XXXX company states it was recovery charge storage charge transport charge key replacement fee auction charges I had items stolen out of vehicle at storage facility and had to pay XXXX of the original XXXX that was owed to get personal items and I surrendered the keys to the tow company when they came for the car. When I called to pay balance XXXX within 48 hours was told of other charges added on and car was at auction 300 miles away. I received a letter that auto sold for XXXX but I still owed for all storage and transportation changing balance to XXXX account was closed in XXXX sold to collection agency after submitting all my paperwork to XXXX XXXX they decided to close collection account And deleted it
Product: Bank account or service

On behalf of the XXXX XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that XXXX also provide a public response.
Product: Checking or savings account

My Problem is with JP Morgan Chase, It started in XX/XX/XXXX when my grandmother passed away I notified the bank because i was informed in XX/XX/XXXX i was listed as payable on death beneficiary had to provide my names/address and SSN. the branch was aware that i did not reside in same state as my grandmother when i notified them by phone in XX/XX/XXXX i was handled poorly by branch rep who assisted for p.o.d account because of family conflict i was advised to go to court to straighten things out but p.o.d account does not need anything from court so assuming i was giving the correct info i ordered death certificate and contacted probate and was giving a long list of things i must have before i could start probate process which didn't go smooth or as quick as planned i finally got everything and filed small affidavit only to learn her account was closed out i never claimed p.o.d funds ( even mailed me letter clearly showing the amount and my name as beneficiary ) and chase says it's too late for them to pay me or assist because deadline to claim has passed then her safety deposit box was removed and sent to other location and i am now told it was empty hard to believe she was paying for a empty box for years but i have no way to verify contents and branch manager rudely let me know they don't have to provide any further information this whole company has handled me, my grandmother 's account, property poorly i am disgusted and hurt and in need of someone to hear my story and assist or point me in the direction of real assistance no a oh well you missed the time good bye