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 FCRA Sections 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX BANK XXXX, XXXX CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I didnt authorize.
Product: Credit reporting or other personal consumer reports

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. '' XXXX, XXXX and Experian are consumer reporting agencies and 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 XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( 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 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. XXXX, XXXX and Experian 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 3rd party services. Which includes the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX, for which this is my XXXX complaint for inaccurate reporting and nothing has been done!!! I filed a complaint on XX/XX/XXXX today I received a email on XX/XX/XXXX th for experian saying that everything is correct on my report again, it is not and its not mine, this has been on my credit for sometime and they were reporting inaccurately for a while that a lone is prove for dismissal! At this point I will be sending information to the FTC and attorney general due to the fact that the CFPB is not doing their job correctly nor is Experian several violations are being broken and require in writing with names how this information was obtain and the list of phone numbers of people who were spoken to as well as verification methods. 
However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect, due to the fact again this is not my account. So, According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C. 1681 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 report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Again, I would also like to know who they spoke with and how this was investigated.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to NAVY FEDERAL CR UNION to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/ FTC Report XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards.

I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that NAVY FEDERAL CR UNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that NAVY FEDERAL CR UNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

As  of  XXXX   XXXX , 2017 my credit cards amd social security were stolen and i need to report them.
Product: Credit reporting 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 U.S.C 1681 sunrise credit service XXXXXXXX XXXX XXXX transunion credit report. XXXX .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXX   Account # XXXX has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATIONS Section 607 ( A ) ( B ) Compliance Procedures : Accuracy of Report Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate of unverifiable information Section 623 ( A ) ( 1 ) ( A ) Responsibilities of furnishers of information to consumer reporting agencies THE STATUE OF LIMITATION IN CALIFORNIA IS FOUR YEARS In XX/XX/XXXX Experian added a collection account to my credit report from a debt collector called XXXX  XXXX XXXX XXXX in the amount of {$1400.00}. I have constantly asked Experian to verify this debt because I believe the balance is inaccurate. Experian keeps saying this account is verified and the Information is correct.. XX/XX/XXXX I contacted the debt collector myself and asked for debt validation. I was sent a letter saying that I owe {$2000.00}. once Again I've tried numerous times to contact Experian about this inaccurate reporting Information. now here it is 6 years later on XX/XX/XXXX Experian is reporting a balance of {$2200.00} on XX/XX/XXXX the balance changed again to {$2200.00}. how is this collection account 6years later gaining {$900.00} in random charges please delete account you're constantly reporting inaccurate information I've included all supporting documents.
Product: Debt collection

This complaint is regarding Roosen, Varchetti and Oliver-GA PLLC . Hereafter referred to as RVO-GA PLLC . RVO-GA PLLC is attempting to collect a debt in which they say I, XXXX XXXX XXXX XXXX , owe RVO-GA PLLC and their XXXX  XXXX XXXX a total amount of {$2600.00}. 
On XX/XX/year> I, XXXX XXXX XXXX wrote a letter, sent via certified mail in response to the notice received via mail to my home address from RVO-GA PLLC on XX/XX/year> stating that I must respond in writing or via phone call requesting me to validate the debt thats owed and to provide them with a response by XX/XX/year>, and I did. I, XXXX XXXX XXXX requested RVO-GA PLLC to provide me with competent evidence bearing my actual wet signature, showing that I, XXXX XXXX XXXX have or ever had a contractual agreement with RVO-GA PLLC, and their client XXXX XXXX XXXX as an obligation to pay their client . This is not sufficient and compliant of federal laws under the Fair Credit Reporting Act in the corresponding local state laws. 
Once again, XXXX XXXX XXXX, XXXX hired yet another contracted law firm previously here in the State of Georgia after deceptively e-filing a garnishment on XXXX ( Case : XXXX ) XXXX taking {$2600.00} from my XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
And now, they are at it again with a new Law Firm RVO-GA PLLC two weeks later continuing to utilize deceptive unfair practices to continue to extort. RVO-GA PLLC and their client XXXX XXXX XXXX is continuing to violate my consumer right once again according to FDCPA ( Section 807-8 ), FCRA ( Section 623-b ), Negligent Enablement of Identity Fraud, Defamation of Character and my 14th Amendment Rights violating the Due Process Clause which provides that no state may deprive any person of life, liberty, or property, without due process of law. The 14th Amendments Due Process Clause guarantees procedural due process, meaning that government actors must follow certain procedures before they may deprive a person of a protected life, liberty, or property interest. RVO-GA PLLC and their client XXXX XXXX XXXX is continuing utilize unfair deceptive illegally practices by continuing to garnish my XXXX XXXX XXXX XXXX XXXX without any formal or legal notice prior to their requested response deadlines. 
XXXX XXXX XXXX, XXXX already fraudulently took {$2600.00} on XXXX and now they attempting to deceptively file an additional garnishment with RVO-GA PLLC to take {$2600.00} from me again.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX I am writing to formally address concerns regarding the handling of my personal information, specifically in relation to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681, the Fair and Accurate Credit Transactions Act ( FACTA ), under 15 USC 1682b, and the identity theft provisions under 18 USC 1028A and 15 USC 6802.

1. Fair Credit Reporting Act ( 15 USC 1681 ) : As a consumer, I am entitled to receive accurate and complete information regarding my credit history. If there have been any inaccuracies or unauthorized entries in my credit report, I request an immediate investigation and correction as per the provisions of the FCRA.

2. Disclosure of Consumer Information ( 15 USC 1682b ) : I would like to remind you that under the provisions of FACTA, any consumer reporting agency may furnish a consumer report only under certain conditions. If my information has been shared without my consent or in violation of the law, I demand that this practice cease immediately, and that I be notified of any disclosures made.

3. Identity Theft Protections ( 18 USC 1028A ) : The unauthorized use of my personal information constitutes identity theft, which is a federal crime. If my information has been compromised, I urge you to take appropriate measures to prevent further unauthorized access and to notify me promptly of any such incidents.

4. Privacy of Consumer Financial Information ( 15 USC 6802 ) : I expect that your organization has taken the necessary steps to secure my personal financial information. If my information has been disclosed without my consent, I request a full accounting of the parties involved and the measures taken to protect my data. 

Please provide a written response to this letter within 30 days, detailing the actions you will take to address these concerns and ensure compliance with the aforementioned statutes. 

Thank you for your prompt attention to this serious matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Reported fraud on my checking account for {$200.00}. Bank says it was a good charge but never sent me documents as promised to prove it. I stated to them it was fraud but they refused to return my money to my checking account. It was for XXXX 's and I told them this was not me but they never sent anything to show it was Later when I checked for mail which they say they would send, but never did, I was told that it was too late too do anything about it after waiting several months for my funds to be returned. The bank was PNC bank in XXXX, TX
Product: Vehicle loan or lease

I leased a XXXX Kia XXXX and it was stolen and considered a total loss in XXXX of XXXX. My insurance company ( XXXX XXXX ) paid out the total amount owed to the insurance company ( {$20000.00} ) and cut me a check for the remainder minus deductible. A few months later I began getting letters and calls from Kia Finance America stating that I owed them {$670.00} for " Primary Insurance Deductible ''. I called my insurance company and they stated that this should not be so and they emailed me a copy of the Letter of Guarantee in which Kia would release the title and claims to the vehicle following payment of {$20000.00}. The insurance company reached out to Kia but was unable to get any answers from them. Several months later they reported to the credit bureaus a charge off on my account of {$670.00}, which dropped my hard earned score 100+ points.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX  XXXX  XXXX Late Date XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over XXXX  days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Hello, The credit card that I have never sent me any statement for a while therefore, I never got any notification about paying my bill till I got a letter saying that I owe {$27.00} late fee and {$3.00} in interest. I called the bank to sort it out but they said that they will file a complaint and get back to me. Weeks passed and I see another {$38.00} late fee and {$5.00} in interest added to my account. I call again and they mentioned that there were no complaints that were filed and nothing would happen. They said that they will submit another complaint and get back to me. Someone finally got back to me today telling me that I setup online statements on my own which never happened and they won't be able to refund the fees and I have to pay them. I asked to speak to a manager and they promised a call back but I got nothing. As of today, XX/XX/2019 XXXX XXXX, there is an amount of {$74.00} in fees in my account. I am afraid this will keep increasing with no resolution and dont really know who I should contact. I really never want to use this bank again due to the frustration that they cause to people. I am glad that I am not too old and have to deal with this as this may cause serious health issues to an elderly person. 
Please let me know if you need me to provide any proof or any other info.