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

I Consumer, XXXX XXXX extended credit to Barclays Bank entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act.

Upon review of my right and reports I submitted a dispute to the credit bureaus requesting the Barclays account listed on my consumer report be removed in accordance with 15 USC 1681a ( 2 ) ( a ) ( i ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report.

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. 

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out.

There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.
Product: Credit reporting or other personal consumer reports

Previous Complaint # XXXX HI Equifax HOPE THIS COMPLAINT FINDS YOU WELL BECAUSE IM NOT DOING WELL I AM STRESSED OUT I am verifying that THESE NEGATIVE ACCOUNTS ON MY CREDIT REPORT ARE NOT MINE I DON'T KNOW WHERE THEY CAME FROM there is no need to ask for validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and THESE NEGATIVE ACCOUNTS account to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE ACCOUNTS & INQUIRIES, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. The Unauthorized fraudulent Inquiries are listed here ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have already submitted an affidavit of identity along with a FTC report to Equifax.

You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to { { {$1000.00} } } per violation. 18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. I will Not continue to request for you to remove this false information. The next step is for me to include your response and willful neglect in a Lawsuit going forward
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter with regard to I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Bank account or service

I opened a SunTrust Checking and Savings account on XX/XX/XXXX. During the application process they require you to fund your new accounts. I provided a routing and account number and authorized a transfer of {$15000.00} To confirm the external account SunTrust makes XXXX small deposits and a withdraw and those amounts are verified by the customer which I did. 
It 's now XX/XX/XXXX and the transfer has not taken place but the issue is I 've spoken to multiple employees and all of them say " they do not have access to transfer information provided during the application process ''. No one can confirm if this transfer is going to take place or not. Obviously my concern for initiating a second transfer is the potential to overdraft my external account. I was also provided a confirmation page listing the transfer information but again the employees ca n't see that either. 
I 've also asked that my issue be escalated to management but still have not received any contact from anyone with authority. 
Secondary Complaint : My savings account immediately showed as " Pending Closure '' causing immediate confusion. I was informed all savings accounts do that until money is deposited. This is very confusing for a new customer.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681, 15 U.S.C. 1692c, and 15 U.S.C. 1637. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.
Product: Debt collection

I sent below letter and they failed to respond within 30 days. The item was delivered with this tracking # : XXXX with a signature. 


XX/XX/2018 DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX, FL XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$2200.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your companys inquiries are sitting on my credit report, lowering my score, and making things more stressful than they need to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
Starting around 2019 I was started using Zelle to send money to my parents and I accidentally sent money to the wrong phone number and there was no way to rectify the issue. It is absurd that there was no consumer protections from the start no confirmations or ways to refund accidental payments. You put in a name and then hoped to XXXX the correct person received the money.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX  XXXX Bal. {$0.00}, XXXX  XXXX bal. {$2300.00}
Product: Credit reporting or other personal consumer reports

The information on my report was leaked in a data breach which included social security number. The was a direct violation of right to privacy under 15 US code 1681 which states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.
Product: Credit reporting or other personal consumer reports

This was previously disputed with CFPB # XXXX XX/XX/XXXX Dispute was directed to XXXX, Transunion and XXXX to fix the errors for these 2 collection accounts : 1. XXXX XXXX - XXXX Business Credit - po box XXXX XXXX TX XXXX Please remove -based upon 15 U.S.C. 1681i and 15 U.S. Code 1681b- this inquiry is inaccurate and unauthorized and needs to be removed per the Permissible Purposes of Consumer Reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX ( XXXX ) XXXX o Request that they remove the unauthorized inquiry. 
XXXX # XXXX ( XXXX for {$830.00} ) XXXX # XXXXXX XXXX ( XXXX {$830.00} ) XXXX # XXXX ( Transunion {$830.00} ) According to the Fair Debt Collection Practices Act ( FDCPA ) Law Code : 15 U.S.C. 1692 et seq., and 15 U.S.C. 1692g. These codes prohibits practices like attempting to collect a debt that is not yours, harassment, or providing false information. I dispute this collection for XXXX. They have not provided evidence that is is my debt, and I am disputing again and would like this collection removed from XXXX, XXXX and Transunion accounts. 


XXXXXXXX XXXX - XXXXXXXXXXXXX XXXX {$4900.00} ( XXXX ) XXXX - XXXX {$4900.00} ( XXXX ) XXXX, XXXX - XXXX ( Transunion {$4900.00} ) XXXX ( XXXX XXXX ) and XXXX  ( ON XXXX ) is still on my credit report and are attempting to continue to collect on the above-referenced accounts on XXXX, Transunion and XXXX. 
I received a Form 1099-C ( Cancellation of Debt ) for this account from XXXX, XXXX on XX/XX/XXXX, indicating that the debt was canceled. 
According to the Internal Revenue Code ( IRC ) 6050P, the issuance of a 1099-C form signifies that the creditor has discharged the debt for tax purposes. 
Your continued attempts to collect on this debt may constitute a violation of : 1. The Fair Debt Collection Practices Act ( FDCPA ) under : * 15 U.S.C. 1692e, which prohibits the use of false or misleading representations about the status of a debt ; and * 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect a debt.

2. IRS regulations governing canceled debts, as this debt was reported to the IRS as canceled. 
I request and requested that XXXX immediately Remove this account from my credit reports and cease all collection activities related to this account. Please provide written confirmation that the debt is no longer being pursued. 
Additionally, if you believe you are authorized to collect on this account, I demand the following : Documentation validating the debt, including proof of the amount owed and evidence that you have the legal authority to collect on this account after issuing a 1099-C. 
Please note that under the FDCPA, continued collection activity on a disputed debt is prohibited until validation is provided.
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 Account name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : credit bureaus won't give me full account numbers of the above accounts 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 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 card or prepaid card

Received an email on XX/XX/XXXX stating that my '' revolving credit limit has recently been revised. A review was completed saying that my payments were too low, revolving credit balances were too high, I had too many credit card accounts with them and that my balances were too high compared to my overall credit limit. '' My credit was immediately reduced by half, leaving me with almost no available credit on the two cards I had with Citi-Cards. 
I have been a citi-card customer for over 20 years. I have a good credit score according to XXXX  XXXX on XXXX XXXX. According to XXXX  I have a low credit usage 29 % on XX/XX/XXXX. I have an Exceptional Payment History 0 late payments, 0 collections, 0 Public Records according to XXXX  on XXXX XXXX. I have an Exceptional Credit History Length average age of 12 years and longest of 38 years. All of my credit reports are of Exceptional payment history. " I have never been late or missed a payment to any credit card or other type of company requiring my payments. 
I contact citi-cards customer service and they would only tell me that a letter was sent to me to explain the reasons for the reduction in my credit limit. I have not received the letter as of XX/XX/XXXX. I requested a review of this decision and was told that they would not review it. I requested to speak with a supervisor and was also told that it would not be reviewed. 
The actions of Citi Card damage my Exceptional history and will impact my credit score. I  am asking that they reinstate my credit to the thresholds prior to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXXXXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1900.00} 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

I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. OnXX/XX/XXXXI notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. On XX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  ),XX/XX/XXXX ( Experian ), andXX/XX/XXXX ( XXXX ). OnXX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX  ). OnXX/XX/XXXX I notified the furnisher directly that there is a monthly payment of {$400.00} reporting to XXXX  and XXXX  on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( Experian )XX/XX/XXXX and 30 days late ( XXXX  ) at the same time. XX/XX/XXXX it reflects that I was 30 days late ( Experian ) and 60 days late ( XXXX  ). XX/XX/XXXXit reflects that I was 60 days late ( Experian ) and paid on time ( XXXX  ). XX/XX/XXXXt reflects that I was late 90 day ( Experian ) and paid on time ( XXXX  ), XX/XX/XXXX it reflects that I was 150 days late ( Experian ) and 120 days late ( XXXX  ). It also reflects that I was late 120 days for the months ofXX/XX/XXXX on XXXX. There is also activity reporting after the account was closed which from my understanding is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.