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

As a federally protected consumer, my rights have been violated causing damage to my reputation and well-being through the intrusion of my privacy and inaccurate reporting. XXXX XXXX willfully furnished adverse information to the credit bureau, Equifax. In addition, transactions were reported which violate 15 USC 1681a ( A ) ( i ). I never gave Equifax nor XXXX XXXX any written or unwritten consent to share any of my information publicly. Also, XXXX XXXX furnished information to Equifax as charged off numerous of times on my report. A charge-off is considered income, and income is not allowed to be furnished to a credit report. 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 explained how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code XXXX681s2 ( 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. Equifax and XXXX XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

For unknown reasons the account is locked and can not access earnings. Its been 6 days and the company Branch will not respond or resolve my access. Your directed to first level help desk, they say it is elevated yet never a responce from the supposed elevated team. 
I need to know why it was locked out and access to my earnings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested TransUnion to verify and send proof of verification of an charged off account that is reporting on my credit report back in  XXXX  of this year. My results ended in verified and meets FCRA requirements but I did not receive the paperwork or verification in which they used to verify this account. They also re-aged the account that was to fall off my report  XXXX  to stay on until   XXXX  , Reaging of an account is against FCRA requirements. Section  623 ( 5  ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.     I would like to have this account removed from my credit report as they have violated so many FCRA requirements of my credit report, I also would like a UPDATED credit report reflecting that the account has been removed.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX Balance : {$260.00}
Product: Credit reporting

The public records in dispute were deleted years ago from my file because they are not mine. As recent as a few months ago they have reappeared. I have contacted the bureaus several times and they have refused to provide any proof they are mine nor will they remove them again. At this time, short of legal action, the only resolution I will accept is deletion and suppression of the public records so they ca n't be reinserted at another time. 
I have come to the conclusion that the credit bureaus are violating my rights under section 1681and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I am going to have to resort to suing the credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

HELLO MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE STOLE MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my information that is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF PERSONALLY. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I FEEL LIKE IT IS NOT FAIR TO ME AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES FOR SOMEONE ELSE 'S ACTIONS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Mortgage

On XX/XX/2020 I filled out an application for an mortgage on a mobile home. The loan amount was for XXXX. I offered XXXX down payment for an FHA loan. I was informed previously that my credit score needed to be over XXXX. I worked very hard on bringing my credit score up to more than the proper standard.when reviewing my application 21st mortgage XXXX XXXX Direct Dial : ( XXXX ) XXXX Toll Free :  XXXX denied my application after advising me that my credit score was 639 though XXXX. She advise my application was denied but I can put down 10 % of the asking price. Just be advise that I did disclose my ethnicity on my application. I then inform Ms. XXXX that I could put down property that I own free and clear as collateral which was information that was given on the application as well she advise that i would have to resubmit a application which caused my credit score to drop. I resubmitted an application on XX/XX/2020 without disclosing my ethnicity on the second application got a response back from XXXX XXXX Direct Dial : ( XXXX ) XXXX Toll Free : XXXX Fax : XXXX XXXX whom advise that I also was denied but they had another loan option for me Needs upfront interview. Please call XXXX ext. XXXX An estimated loan amount of {$64000.00} or less, not including financed insurance and fees. 
I believe that this company has given me the run around reference to me trying to get a home i explain to them the urgency of me moving offered several thousand plus property as collateral. I believe that I'm being asked to put more than 3 % down that which FHA loan ask because I am a XXXX female  and Ms. XXXX was attempting to make it diffocult for me to be approval even after offering property that value over XXXX plus and additional XXXX.
Product: Debt collection

XX/XX/XXXX I had received a voicemail from XXXX XXXX and Case # XXXX to call ( XXXX ) XXXX about a claim she had on her desk. 
I called and it was answered XXXX XXXX XXXX ( ARA ) and my caller ID said the call was from XXXX, IL. I was transferred to XXXX 's extension and was told I have an outstanding debt matched to my SSN from XXXX XXXX and they were attempting to collect. I told her I live in CA, have since XXXX, and XXXX XXXX is an east coast bank. I told her I had NO knowledge of this and she transferred the call to their Legal Dept. 
The person in legal had my personal information and said they had a court order to collect, freeze my current finances and sue me to collect. This person was NOT very nice at all and spoke to me as if I was just another liar with memory loss. I had told this person I had NO knowledge of this. He said they have the law on their side and WILL collect and advised I seek legal counsel. 
I asked the time-frame of this alleged debt, he said it was from XX/XX/XXXX and the last activity was in XX/XX/XXXX.  They claimed that ALL attempts to contact me have failed and gone unanswered. I NEVER received anything to the contrary by mail, email or telephone. I wished him good luck and immediately ended the call. Mind you my phone number is unpublished as well. 
I feel this is some sort of SCAM and will NOT have any further contact with ARA. There is NO such debt on my current credit report ( XX/XX/XXXX ) and feel this is a SCAM on all levels. Hopefully this fraud can be shutdown in its tracks before somebody is actually convinced of this SCAM and actually suffers monetary loss. 

XXXX XXXX XXXX, CA
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts due to a possible misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my knowledge. I did not receive any notification about their reinstatement, nor have I gotten any mail concerning this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Consumer Loan

After I retune my car and exchanged it with another MB, XXXX XXXX XXXX was supposed to payoff the over mileage of that car as they agreed on. after few months I received an invoice from XXXX XXXX XXXX that I owed them over {$1000.00}. for over milage. The dealership was saying they will take care of it and after several months finally they said as we did n't put that in the contract, I have to pay MB financial but they agreed if I pay XXXX % they will pay the balance. XXXX XXXX instead of paying it in full, they paid them a settlement amount without my knowledge which in XX/XX/2016 when I wanted to refinance I notice that they did n't pay in full and damaged my credit. there was a balance of {$260.00} was left. MB financial requested if I pay the balance they will change the report as paid in full. 
So I paid it off in XX/XX/2016. Still in all my credit reports it has n't been corrected and still is affecting my score and credibility. Please see attached letter from MB Financial
Product: Mortgage

My Ex-Husband walked into a Wells Fargo branch to apply for a re-finance on his home. During the application process the bank obtained my information and ran my credit four times, as well as gave my ex-husband detailed information from my credit including my score and recent inquiries made on my credit. My name is not on his current home loan not is it on refinance application. I was never notified verbally nor in writing that this was taking place by Wells Fargo, and only became aware when I checked my credit online and saw the inquiries from WellsXXXX Fargo. I have no bank account, credit card, or outstanding loans with Wells Fargo, and as such it is a direct violations of the Fair Credit Reporting Act to obtain my information and illegally run it multiple times, as well as disclose private information to an Ex Spouse.
Product: Debt collection

I contacted american express after my yearly fees were due. Not needing the card any more i contacted them stating i wanted to cancel and that when they waved the yearly dues and sent a updated bill i would pay in full. I eventually got a call from a debt collector stating that i owed the amount ( including fees that i asked be removed ) and was now in collections. i called amex and they expressed that they were unable to help since it was in the collectors hands now and the collectors stated that they could not confirm the issues with amex. I paid the amount including fees in full just to be done with them but now my credit score has taken a huge hit.
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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Debt collection

I was contacted by Someone saying they were from XXXXXXXX XXXX  XXXX XXXX, and immediately started asking me for personal information, Which I refused to provide any personal info due to whoever this person was failed to provide any verifiable information to prove that wasn't a scammer. to which I have not heard anything from them again. Until I received notice that a derogatory on my credit report stating that I owed a bill to XXXX XXXX. Although I tried to cancel my services with XXXX and they refused to cancel my services stating they needed a code to cancel service. They sent me a code about XXXX weeks after I requested to cancel service. Again I called XXXX to cancel service only to be told again that I couldn't cancel service because the code they sent was invalid, Again I could not cancel. This went on for approximately XXXX  month 's before I could finally have services cancelled. At which time I was informed by XXXX that my account was paid in full and I did not need to return any equipment to them. I had ask several times if I owed any bill and was told because they refused to cancel my services that nothing was due. Until the bill of {$150.00} showed up on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for a credit builder loan with Self Financial post bankruptcy. The loan was initially {$3000.00} over 24 months with a {$500.00} in interest. After making my first payment, I found they closed my new account under XXXX XXXX XXXX, this was opened post bankruptcy. I called and tried to resolve but they claim the account was open even though it was reported closed. I paid my {$150.00} payment which then slowly started to drop to {$73.00}. I called and asked for my {$150.00} back and my account closed, they stated the other {$75.00} was an interest payment. However I feel like I should not pay interest on a loan that I have not received or has benefited me per their agreement. So in all, I am paying {$75.00} for them to open an account and close it. They are willing to only close my account and send me {$75.00} back. I want my full amount back since they have not provided the service I have paid for.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

This debt was charged off on XX/XX/2023 there have not been a 1099c  sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.
Product: Mortgage

We have a primary home loan from XXXX located on XXXX XXXX in XXXX XXXX California. The loan balance of {$66000.00}. Also, we have a Home Equity loan from Bank of America. XXXX is trying to refinance our loan on our home, and Bank of America is not allowing them to refinance the loan of {$66000.00}, because they are not releasing the subordination. I have been a loyal customer of Bank of America since XX/XX/XXXX. All my family members have accounts at Bank of America and I have also a business account. We have also the rental property and my XXXX property with total equity of over XXXX. 

The refinancing will save us {$1000.00} in monthly Mortgage every month, which I can use to pay our debt. 

I made a written appeal to Bank of America, Subordination Department. However, they did not respond to my appeal. 

My husband is XXXX years XXXX. He underwent XXXX XX/XX/XXXX. Refusal by your bank to allow refinancing has affected his health and he is in distress. According to federal Government rules, people should be permitted to refinance the mortgage. 

I would like to ask request to help in this matter. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 5. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I had a {$850.00} credit card limit for my daughter. She reserve a car, she never picked up. I set the limit for a reason. I dont want to have to pay interest I cant afford. Capitol One allowed XXXX to put {$1700.00} on a credit card that have {$850.00} dollar limit. This effecting my credit score and Im paying {$60.00} in interest. In 2015 I checked the box to not allow my credit card to go over limit.
Product: Debt collection

This debt was discharged from my credit report on my Bankruptcy in 2013.
Product: Credit reporting or other personal consumer reports

I reported this twice with both XXXX and XXXX and lastly Experian via It has come to my attention that XXXX XXXX has flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices. 

Furthermore, 12 CFR 1016.4 clearly stipulates the necessity of an initial privacy notice to customers and consumers alike. Every company, including XXXX XXXX, XXXX, experian, XXXX are mandated to furnish a clear and conspicuous notice that accurately reflects their privacy policies and practices before they contribute any information to a consumer report. This provision serves as a fundamental safeguard of consumer privacy. 

My concern is not limited to these regulatory oversights ; it extends to the broader implications for my financial well-being and personal privacy. The Fair Credit Reporting Act and Privacy Act of 1974 are in place to protect consumers like me from unauthorized disclosures and safeguard our sensitive information. XXXX XXXX 's, actions, or lack thereof, represent a serious breach of these vital safeguards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a faxed copy of a XXXX letter to credit collection services to confirm dates of XXXX due to items from XXXX XXXX in MY report. I also reported then to BBB. On XX/XX/XXXX, u spoke with XXXX stating they received my document but nothing will be removed from my reports until a vehicle history report us submitted. My XXXX letter should be valid enough to confirm the dates of these accounts which they refuse to acknowledge. According to FCRA, if the validation if the accounts are not accurate they must be removed. Section 609 : : : validate nor verify. They refuse to do such.