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

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 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 or other personal consumer reports

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 Checksytems reporting inaccurate information. 

These accounts have showed up on Chexsystems as unpaid which were paid in full and are being reported incorrectly, which has kept me from opening another checking account with another bank.
Product: Credit reporting or other personal consumer reports

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Violations : 15 U.S.C. 1681 ( a ) explicitly states that transaction histories are not to be reported on credit reports, making the reporting of this charge-off unlawful. 
EXPERIAN, XXXX, XXXX blatantly violate 15 USC 1681 ( A ) by reporting transactions histories and without oral, written or otherwise consent.
Product: Credit reporting

This complaint pertains to my Experian credit report only. The information from the other credit bureaus has been removed. 
The creditor XXXX XXXX, Account # XXXX has refused to correct dates of delinquency or inclusion dates under the Chapter XXXX that I filed on XXXX/XXXX/XXXX. Instead they keep using the date XXXX XXXX. The date XXXX uses on my credit report of XXXX XXXX is causing the negative information to remain on my credit report for XXXX additional years. Also archived reports from Experian show that I had delinquencies in XXXX ( which I included in my disputes ). The negative information should be removed this year. Instead it is showing that it this account will continue on record until XXXX XXXX. 
More than 7 years have passed since my filing of Chapter XXXX and original delinquencies, therefore I feel it only fair that they stop reporting the wrong negative information on my credit report ( Experian ). I have sent in many complaints to Experian only to have nothing done.
Product: Checking or savings account

I received a letter from US Bank saying I have an overdraft account of {$50.00}. I have not used this account for quite some time however when I tried to login to see why the account became negative as I had not authorized any charges on my account which could have caused this it says I have no active accounts. I have not received any statements showing any charges prior to this letter requesting payment for this unknown amount. I want account to be fixed or closed and zeroed out as I authorized no transactions.
Product: Credit reporting or other personal consumer reports

I AM RESUBMITTING BECAUSE ONE OF MY UPLOADED DOCUMENTS WAS MISSING INFORMATION. 

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY CARD I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING PLUS THESE ARE NEGATIVE ITEMS CREATED UNDER MY SOCIAL SECURITY NUMBER, REMOVE THEM. I HAVE CONTACTED THE XXXX XXXX XXXX  AND MY ATTORNEY GENERAL AS WELL. Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/2023, XXXX XXXX - XX/XX/2023
Product: Credit reporting or other personal consumer reports

There were accounts in my credit reports that were not mine or were opened due to credit fraud. I disputed with Credit bureaus, Experian, XXXX, and XXXX and they were corrected. However, without notifying me XXXX XXXX  XXXX fraudulent accounts were added back to my credit report. I provided the identity theft report and police report already. Both XXXX XXXX  XXXX accounts do not even show account numbers and balances are different from all three credit bureaus. I was not notified that XXXX XXXX  XXXX accounts were going to be placed back on my credit report and because of it, I lost an opportunity for a job. 

I searched online and this is a violation. I was not notified prior or provided a reason or explanation. 

Please remove again XXXX XXXX  XXXX XXXX accounts ASAP. I spend a lot of money and time on disputes already, I do not want to spend more time to get it removed/corrected and then you add back the fraudulent account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting the wrong addresses on my file. I have never lived at XXXX XXXX XXXX in South Carolina. I HAVE NEVER lived iN South Carolina at all. I have only 2 addresses in the last 30 years. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX in XXXXXXXX XXXX. They are also still reporting the XXXX account but they changed it as " closed ''. this was a fraudulent account that I have filed a police report for and reported to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian The accounts listed below are not mine. 

XXXX XXXX XXXX  Bal {$200.00} Credit Limit {$500.00} XXXX- XXXX XXXX Bal {$2500.00} Credit Limit {$2500.00} XXXX XXXX XXXX XXXX Bal {$16000.00} I dont know of the following collection company listed on my credit report XXXX XXXX XXXX The companies listed under Inquires were not authorized to run my credit. I did not give written nor verbal authorization  regarding these inquires. 
XXXX XXXX Inquire Date : XX/XX/XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX Inquire Date : XX/XX/XXXX These items need to be deleted from my credit report. 

In addition, please remove the following Addresses listed below XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers listed : XXXX XXXX  AND XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at credit report and I seen the wrong address on my file Ive contacted Experian and Ive been waiting more then 30 days for them to remove it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash A

pp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These a
ctions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal loan with XXXX XXXX was paid off 3 months ago. My credit report shows an open account with a balance of {$6000.00} and some change. The balance is XXXX  and the account has been closed. I have confirmation fromXXXX XXXX  to that effect. How does this record get taken off outstanding debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 am re initiating this claim for the unauthorized inquiry on XX/XX/XXXX because their response to my 1st complaint is deceitful. I have never done business with this company and they have sent me a letter requesting my social security number in order to look into my claim. I provided sufficient information for them to look into this unauthorized inquiry in which they themselves do not know for what reason or on whose behalf it was initiated. Here is their response to my 1st complaint " In response to this complaint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Clarity Services emailed the consumer to obtain the information necessary to assist the consumer with her concern. On XX/XX/XXXX, Clarity mailed the consumer a letter requesting the information necessary to assist the consumer with her concern. As of XX/XX/XXXX, Clarity has attempted to reach the consumer using all communication methods provided in the complaint. The consumer was unresponsive to Claritys attempts to resolve their complaint. '' I sent them a follow up email response and never heard back from them. Instead, they drafted a new email trail re iterating without responding. She wanted to work on my claim via phone and I said I prefer email. See attachments
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$700.00} to a friend via my banksXX/XX/XXXX. I had already sent the same person money the same way many times before. That day he didnt receive the money. After a few days he still hadnt received the money but the money was withdrawn from my account immediately on XX/XX/XXXX. I complained about to my bank ( Chase ) and he complained about it to his bank ( XX/XX/XXXX ). Both banks opened disputes and a few days later both banks denied our claim. My bank told me that I had they delivered the money and it was out of their hands. My friends bank told him that the money wasnt received so I had to inquire about it at my bank. I contacted my banks XXXX department which was of no help as they insisted that their part had been completed. My friend called his banks XXXX department and added me on the call where they took all the details of the transaction including the transaction number and asked my friend if he wanted the money to be returned to the sender or deposited on his account. He asked for the money to be returned to my account since he didnt need it anymore at that point so all that is obviously recorded but a couple of weeks went by and he received another denial to his claim. Last Friday XX/XX/XXXX marked one month that Ive been looking for answers so I decided to go to my branch. The manager made a few phone calls but told me he didnt know what to tell me and my best bet was to call customer service and make a formal complaint. When I did that the person told me that I had to call XXXX and the XXXX XXXX told me again that I had to call my friends XXXX and when we called we were again told that there was nothing that they could do so last Friday alone I spent 40 minutes at my branch and a total of 2 and a half hours talking to different people on the phone and nothing has been resolved or explained on how they will recover my money. I dont care if they refund me the money or complete the transaction to my friend but I cant believe that they Dont have an answer on what happened to the money. I did a XXXX research and was surprised to find out that many people have had this problem and they said since it was {$100.00} or {$150.00} only that wasnt worth their time to keep going back and forth. This is an absurd problem and needs to be addressed!
Product: Credit reporting or other personal consumer reports

ersonal Statement dear Equifax this is a self-attestation that I am victim of human tra! cking. The information listed below, which appears on my credit report, is the result of that tra! cking. These fraudulent accounts consist XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX
Product: Student loan

In 2006, Loan with XXXX was paid to school and refunded due to dropping classes. Then XXXX XXXX paid loan to school again even though I dropped the classes in accordance to school policy and should have been refunded 100 % for semester. Both refund and re-payments to school occured on same date ( XX/XX/2006 and XX/XX/2006 ) Total of {$3200.00}
Product: Payday loan, title loan, or personal loan

Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX in the afternoon, I contacted XXXX XXXX, a XXXX XXXX Company via phone. I spoke with XXXX XXXX  specialist, XXXX in XXXX, Michigan. The purpose of my phone call was to make arrangements to change the due of my payments from the XXXX of the month to the last day of the month. There was a two fold reason for this, the first was that I get paid at the end of each month. And second, with changing the due date, I can avoid any late charges. During my conversation, I authorized XXXX to talk with my son, XXXX XXXX due to my XXXX. My conversation with XXXX became a three conversation. My son, XXXX XXXX, XXXX ( the XXXX XXXX Specialist ), and myself. XXXX XXXX Specialist, XXXX informed my son that there was NO WAY where XXXX XXXX can change the due dates to the payments. However, you ( I ) can make arrangements each month before the due date to delay payments. This way you ( I ) can avoid any late fees. I witness via hearing the conversation on the other phone line. On XX/XX/XXXX, XXXX XXXX to debit from my checking account {$110.00} ( Exhibit A - Bank Transaction Number of the XXXX XXXX Payment ). Two weeks later, I received an email from XXXX  XXXX that they ( XXXX XXXX ) did not receive any payments from me ( Exhibit B - copy of the email from ( XXXX XXXX ).
Product: Checking or savings account

I had {$35000.00} in my savings account at regions bank and XXXX in my checking account. I went to transfer money from my savings to checking account and an error came up to call a number. I called the number and they said to visit a local branch. I had this amount of money in my account because I had a new roof put on my house. When I went to the bank they asked if I had fraud on my account and I said I dont know I cant open online banking. I said can you see anything and the woman said no its not telling me anything. Another employee said we will left this red flag and in an hour you should be able to use online banking. After an hour I saw that I had XXXX taken out of my account. I called fraud at regions and they told me someone opened a joint account and transferred all of my money into the joint account and then took the money. They also said I had to visit a local branch. When I went in they said they didnt notice this when I came in two hours prior and someone opened a joint account online somehow and they could not tell me anything else. All the bank did was put a red flag on my online banking. Never called to see about fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those a
ccount to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX XXXX that I do not recognize or authorize from XXXX of XXXX.
Product: Checking or savings account

Last month there was fraud on our account due to XXXX Payment. We put freeze on our account and yet wells fargo still let another fraud payment go through. we opened a new account and closed old checking account, more than a month later another fraud transaction came through. Wells Fargo said that for 30 days transactions from old account still come through!!! Even if there fraud. Makes no sense and it's been more than 30 days. I spent XXXX hours on the phone with different departments not being able to help why fraud charges are still coming out of new account. They told me I would receive phone call a month ago from Wells Fargo and I never received any call from executive office regarding this on going fraud to my old and new account.
Product: Prepaid card

I was in prison when my XXXX card was sent to my wife 's sister 's house after she had moved to California following my arrest. Neither her nor I received the card and all the money was drained from the account, by her sister. I filed a dispute after being released from prison when I was able to contact the bank I had no knowledge of the transactions, i actually called XXXX XXXX  to get a replacement card and XXXX the address on file so we would actually get it. and was automatically denied. Because I didn't file within 10 days but I couldn't file within that time. I didn't authorize the withdrawals and neither did my wife. I really want my money. Been waiting 3 years. It turns out not just XXXX card was stolen and used but both, we didn't have any idea there were XXXX card. Please help resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts that's reporting on my credit report. The XXXX XXXX XXXX XXXX has 4 reporting accounts inwhich I have no knowledge of. There's also a XXXX XXXX XXXX   {$140.00}, reporting that I would also like to be blocked. Please send me physical documentation to support these accounts if not please remove them immediately.
Product: Credit card or prepaid card

Discover didn't fully address my complaint in CFPB case # XXXX. The CFPB told me to file another dispute. 

1. Discover asked me for proof of the merchant 's money-back guarantee. I sent it to them. They still did not resolve the billing dispute in my favor. Why did Discover ask for proof of the guarantee if that didn't make a difference? 

2. Furthermore, I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 's website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXX XXXX certified inspector. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through training. 

3. When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. 

If Discover doesn't address all XXXX of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all XXXX issues.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had one late payment on an account that I was Never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum Accuracy I have Never been late on payments for the Account : XXXX XXXX XXXXXXXX Please investigade and provide Proof with statements showing that these payments were late ; If Proof can't be provided, I demand this payment be updated to on Time as they should be as I was NEVER Late, thanks
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 USC 1681. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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, credit repair services, or other personal consumer reports

I have tried calling twice and did an online dispute to have old addresses removed from my credit report. Experian still has not removed this old, out dated information.