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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; PLEASE REMOVE THE FOLLOWING : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up complaint to my previous complaint that contained these erroneous items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX These records and items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.
Product: Credit reporting or other personal consumer reports

I have been trying to get housing and have been unable to due to the negative items on my account credit reports through the following credit bureaus : XXXX, XXXX XXXX, and Equifax. I have disputed all these negative items redundantly without proper investigation. The negative items include : Collection Accounts from XXXX XXXX XXXX XXXX XXXX TN Child Support Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' There should not be any damages on my account. It is a declamation of character.

These damaging items have preventing me from obtaining housing, growing my business as a professional, obtaining better employment, and credit needed to be successful and to take care of my family,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been confirmed as a victim of the Equifax Hacking Incident. Unknowingly, my very personal, private information was disclosed to 3rd parties, without my consent, knowledge, request or approval in XXXX of 2017 as reported by them.
Product: Mortgage

I fell behind on my mortgage payments and contacted my mortgage company and asked to start a modification so I can get current on my payments. At that point I was only XXXX months behind and was looking for a repayment plan. I was asked to send in the modification package to my case manger. I did and was then referred to another case manager. The second case manager sent me a letter saying I had missing information. I mailed in the information, I called to check on it and was told I had a new case manager. That case manager sent me a letter saying there was information missing so I sent more information. I called to check on it and my case manger was on maternity leave.... Every time I called I had a new case manger or missing information. On XXXX XXXX I finally got confirmation on XXXX of my phone calls that a case manager was reviewing my information and would get back to me. So I waited. I called the case manger a few times and could not get through I just got a message saying she was out of the office and to dial XXXX to go to someone else. If I dialed XXXX it looped back to her voicemail I would call the main number and they would send me back to her voice mail. I finally asked to speak to a manager and got his voicemail but never got a call back. On XXXX XXXX and letter was mailed out to me. I did not receive it until XXXX. It was from the case manger that was on maternity leave. The letter said that I was missing a date and a tax form but it was to late to send the information. A sale date was put on my house and my case would no longer be reviewed. I called the lawyer associated to the foreclosure and asked for a reinstatement letter. The price was so high because they let this go on for so long that I was forced to file chapter XXXX to save my property.
Product: Credit card or prepaid card

sears card claim I am late making payments closed my card when in fact I sent receipts payments has been made to date no reply they assessing late fees to my account when I am up to date, they reported this the credit company 's and closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To EXPERIAN Dispute Confirmation # : XXXX RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services or made any payments under any of these accounts - ever! 
XXXX has continually aided in allowing others to use and distribute my information without my authorization to establish credit, obtain goods and services and set up monthly rentals which has caused my personal life stress and placed me in financial ruins. This must cease NOW! 
You must remove them immediately without prejudice. 





XXXX/XXXX XXXX  ACCT : XXXX AMT : {$280.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$2500.00} XXXX XXXX/XXXX ACCT : XXXX AMT : {$3600.00} XXXX XXXX, XXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$5500.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all in violations of 15 USC 1681 ( 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. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given 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. Privacy act 1974. XXXX XXXX XXXX accounts are reported as charged off which are considered income and income is not legally reported to my credit report.
Product: Money transfer, virtual currency, or money service

I was scammed for XXXX dollars on the offer up using XXXX payment service and now the bank will not help me get the money back
Product: Mortgage

Started the original application for modification in XX/XX/XXXX. This is the 2nd decline application received by Mr. Cooper c/o Rushmore, XX/XX/XXXX. Income is sufficient and credit is good. Why can not modify loan after water damage and roof replacement completed by owner, borrower?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : 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 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 or 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

In XX/XX/2022, someone did obtain my credit report from Transunion without my consent ( fraudulent ). They also tried to get 2 different credit cards fraudulently.

This was done online. I believe that I know who did this.

I need the IP address for the perpetrator so that I can get them out of my life... I just need proof. If you can't provide the IP address, at least tell me the city and state of the IP address.

Pretty simple request .... don't protect the criminal, protect me instead.
Product: Debt collection

This debt is not valid. Paypal and XXXX did not provide phone support for a sellers issue I had. I was on hold for hours on in during covid, delta and now omicron variants. When I tried to use the XXXX and cfpb several months ago to address this issue, they still did not remedy the situation. This is false debt that should of never went to collections. Additionally, lawsuits will be filed for paypal closing my account when I inquired early. This was premature to the fair debt collection practices act guidelines. They being paypal also seized cryptocurrency assets from me illegally and unlawfully. Currently other oversite federal agencies were also made aware of this. I plan on suing everyone involved for this. I will immediately serve your company as well in this countersuit if the negative credit reporting isnt stopped. Please give me back my crypo currency and obey the fair debt collection practices act going forward. Please send me an apology letter that removes the negative reporting. Please have paypal issue me a check for {$20000.00} usd to avoid a civil lawsuit regarding the held cryptocurrency.
Product: Debt collection

I get repeated daily calls from Continental Finance on my cell phone from XXXX. The hang up when I answer. I owe nothing to them, or anyone else. I have never done business with them. The harassment must stop.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following student loan accounts XXXX XXXX XXXX and demand their immediate deletion from my credit report due toviolations of the Family Educational Rights and Privacy Act ( FERPA ) and improper handling of my personal and financial data. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. UnderFERPA ( 20 U.S.C. 1232g ), educational institutions and their affiliates are required to protect the privacy of student records. EQUIFAX and XXXX XXXX XXXX has failed to safeguard my personal and financial information, resulting in unauthorized disclosures and improper reporting. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX ( XXXX ) accounts with Equifax and XXXX for over XXXX ( XXXX ) months. 

XXXX. Equifax : XXXX XXXX XXXX XXXX for {$100.00} XXXX Credit XXXX XXXX XXXX account number XXXX These accounts are being furnished inaccurately and do not belong to me or my credit report. My disputes are being ignored.
Product: Checking or savings account

On XX/XX/23, I made my regular paycheck deposit of {$2300.00} into my account and as usual, it cleared the next day and I started using the money. Santander bank then placed an extended hold on my account and deprived me from accessing the money I need to sustain my family and run my business. The problem is that they have already cleared the check and they have done this before and have apologized that since the check has been verified and the same amount is deposited into my account every two weeks, this should not happen again. I called to speak with multiple people in the bank and they could not give me a reason for the hold nor do they have the authority to remove it. My boss got confirmation from her bank that Santander bank has received the funds but they are holding on to it causing my family hardship and other bank fees. I want Santander bank to release my money and to not charge me fees resulting from their irrational actions and to be responsible for other bank fees related to this action.
Product: Credit reporting or other personal consumer reports

My personal information was compromised between XXXX and XXXX when my storage unit was broken intoand a fi le with all of our documents such as birth certifi cates, ss cards, medical records, etc after my son'swas released from the XXXX XXXX XXXX  after XXXX transplant and we moved to XXXX with only whatwe can carry. Then when i went back to our storage with a truck to bring the rest of our stuff back in when inoticed it had been broken into. This has caused undue hardship for all of us, me especially I have been trying to dispute numerous times but to no avail. My sister who is a cop said i needed to file an identity theft report which i did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was awarded a loan forgiveness called Public Service loan Forgiveness my balance should be XXXX. The credit bureau has listed a balance of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.

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

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

I checked my XXXX XXXX  account, and this Hard Inquiry on my XXXX report : " '' COMENITYCAPITAL/XXXX  Reported : XXXX XXXX, XXXX  {$0.00} In good standing Overview You're currently using XXXX XXXX of your account 's limit. 
Balance {$0.00} Credit limit $ 14300 Monthly payment No Info Opened XXXX XXXX, XXXX  '' '' No Contact number on the Inquiry, only a mailing address, red flag to me, plus I did not apply for a card from them, so I looked it up online COMENITYCAPITAL/XXXX  and called XXXX : They could not confirm my I had an account with Name, address or phone number. Ask me for the 16 digit card number, but I have not even received a card. 

I called XXXX, and they directed me to the FTC XXXX and that referred me to this website. 

I am not sure what to do? 
Please advise. 
Thank You!
Product: Debt collection

I am completely disappointed with the fact that Harris & Harris, put this debt from XXXX XXXX XXXX on my credit. In the middle of a global pandemic, when not only I but the world population had been effected by massive layoffs. 
I was not only out of work for nearly a year, but could barely pay any of my bills, less alone a {$5000.00} ER bill from a XXXX XXXX that developed when I didn't have insurance. 

I feel that this unfairly has effected my credit and buying power during a time when not many people on the planet had control over their financial situations. Please have them remove this item from my credit report and give me time to recover from the pandemic by establishing a new job, then getting on some kind of payment plan with the hospital. 

This is wholly unfair and damaging. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

California Check Cashing won't leave me alone. it's out statue of limitations. They even stocking me. I have a private number. Only one has that number is my Doctor 's only. How they got it they won't say. Breaking privacy act what they doing. Stocking a person against the law. They doing illegal business for doing that. There's a phone call today where a man was threatening me with body harm saying from California Check Cashing. I hope they put this up everywhere. 

My attorney will love this one. Threatening me, Stocking me, Getting private information.
Product: Checking or savings account

On or about XX/XX/ 2018 Capital One removed {$1300.00} from my checking account without my consent or authorization. Despite spending many hours on the phone talking to various employees of Capital One, nobody was willing to give me any explanation for why the money was taken. I was simply told that they received a request from another bank that they couldn't refuse. The remainder of the funds in my checking account were mailed in the form of a check to my PO Box , and my account was closed. This caused a very real hardship, as I explained to Capital One that I had a flight booked that very same day to leave for vacation.
Product: Debt collection

Dispute Notice Re : Freedom Debt Relief agreement of {$370.00} per month at 42 months XX/XX/XXXX The XX/XX/XXXX agreement was for me to pay {$370.00} per month for 42 months and Freedom Debt Relief would resolve my credit card debt to : XXXX # XXXX ; XXXX XXXX MasterCard # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX Visa # XXXX ; and XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX within that 42 months period of time. I was also advised that if my credit card debt with the aforementioned companies were not negotiable in 3 to 6 months ; that a new agreement would be needed. During that 3 to 6 months period of time, Freedom Debt Relief did not submit to me a new agreement for my approval. Since my complaint to CFPB # XXXX, Freedom Debt Relief first contact with me was on Friday, XX/XX/XXXX where I explained that I wanted the monthly charges to {$370.00} to stop after XX/XX/XXXX and all subsequent {$370.00} payments returned. ( Please listen to the recorded conversation ) The second and final contact I had with Freedom Debt Relief was on Monday, XX/XX/XXXX after another {$370.00} was charged to me. The paperwork from XXXX XXXX XXXX has never been U.S. mailed to me, never E-mailed to me, nor message mailed to me. ( Please listen to the recorded conversation ) Freedom Debt Relief error in negotiations is no reason to continue to withdraw {$370.00} from my bank account. I have given Freedom Debt Relief no right to continue to withdraw {$370.00} from my bank account past the XX/XX/XXXX payment of {$370.00}.