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

previously distributed XXXX  XXXX/ XXXX revolving credit account date open XX/XX/XXXX with a balance of {$1600.00}. results came back stating account previously in Dispute no resolved reported by data furniture to be use for FCRA dispute by XXXX. Trans Union is reporting dispute resolved reported by grantor. I strongly disagree with results. Account is factually reporting incorrect. Date of last payment reported as XX/XX/XXXX by Trans Union and XXXX while XXXX reported XX/XX/XXXX. Payment history reported perfect payments by XXXX while XXXX reported consecutive charge off as if it was some sort of payment method.. date of last payment for XXXX was XX/XX/XXXX making no sense with what payment history was reporting. after I disputed account for factual, inaccuracies account came back with updates not only on date last active but also XXXX removed all payment history and replaced OK as agreed with consecutive charge off deleting date of last payment, showing no data whatsoever. Theres no way that you can report account with missing data and incorrect information. This is not acceptable information can not be deleted and replace as pleas.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX  - XXXX "
Product: Checking or savings account

I am XXXX XXXX  and I am traveling outside the United States, I got my XXXX check deposited into my bank of america account but the account was suddenly closed. I am unable to book a flight to come back to the United States because the bank is holding my funds. Federal regulations states the financial institution must returns payments to social security administration 's so the money could be deposited into a bank account via direct deposit... however Bank Of America is not helping me.
Product: Credit card

On XXXX XXXX, 2014 my husband, XXXX left a dentist extremely dissatisfied. He immediately contacted American Express to stop payment of {$7500.00} and to initiate a dispute. On XXXX XXXX, 2014 my husband unexpectedly passed away. In uttergrief I contacted American Express on XXXX XXXX to get our miles to fly our family to the services and told them of his passing. On XXXX XXXX the {$7500.00} appeared on my acct. At no time and in no way at all did American Express tell me that there was an active dispute on my husband 's acct. If they had I would have immediately turned the matter over to my husband 's estate attorney. I have provided documentation of the charge, a letter dated XXXX XXXX, 2014 from my husband to Am Ex, a letter of AmEx 's terms and a letter from the XXXX involved showing the date of XXXX/XXXX/2014 the day he was faxing a response to American Express. I have been trying to deal on my own with this. Every time a rep says a supervisor will look into it and call back. They never do. I can not tell you how distressing this has been. We have been AmEx customers for XXXX years. I was told if I wanted a copy of the recorded conversation from XXXX XXXX, 2014 that it must be by subpoena only. I never agreed to accept this responsibility. American Express failed to disclose the active dispute which should have gone to the estate attorney.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a 1099-c a cancellation of debt irs form XXXX due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! 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 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TRANSUNION 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. Violating the privacy act of 1974! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit limit {$700.00} high balance {$1100.00} date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

I had a Wells Fargo Dealer Services loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and WFDS accordingly. The car was paid off with WFDS for the amount of {$7900.00}. I've got the confirmation letter from WFDS attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score.

I have already talked to two representatives from Wells Fargo Dealer Services about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with Wells Fargo and their bad reputation I am requesting the CFPB for help with this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 someone tried to take a loan out in my name at a bank called First Midwest bank. I reported it the next day and froze my credit report to XXXX. Since then is has effected my credit score. I need to get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today 's date, XX/XX/2019 i have made my second phone call to Equifax regarding existing dispute remarks. 

For security purposes, I was asked " what is the month an year when you'd last time you received information from Equifax? '' This question was asked to me today by both a representative as well as her supervisor. 

I called a month or two ago, and was asked the same question. My answer is " Its been a few years, can you ask me another question for security verification? '' I was told that these questions are automatically generated, so if i do not know the answer, I can not be helped. 

This is a silly question and my credit specialist agrees. 

This is preventing me from buying a home loan and I need to have dispute remarks removed from my credit report immediately. 

With that, I did request information and dispute remark removal 10-15 business days ago, and I have not heard back. I do not know what more I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial Administration are in Retaliation and Discrimination against me as a XXXX US Military Veteran. 
I have filed many complaints with Federal Government and Company are in Retaliation because of file complaints. 
Prestige has violated my ADA Disability Ac
t under Department of Justice.and both Federal and State Laws. 
On a phone conversation of XXXX with Prestige Account Vice President XXXX XXXX she promise to remove all derogatory remarks on my credit report with XXXX , XXXX and XXXX and support as a US Military Veteran. 
Now she denies on promises and only spoke with XXXX on the phone and not with XXXXXXXX, Prestige Compliance Manager. 
XXXXXXXX just want to protect XXXXXXXX and the special interest of the company from any Federal Violations Law Sanctions. 

XXXX  credit Reporting Agency stated they receive the verification of Derogatory remarks removals of XXXX days of XXXX from Prestige credit department by electronic message or verbally.. 
XXXX XXXX XXXX receive also the derogatory removals from XXXX. on XXXX XXXX. 
It appears that Prestige has business partnerships with XXXX, XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information at a facility that I had no knowledge of, I filed a identity theft report with lapd and gave California business bureau the information they asked for which was a police report and their rejecting the report, tge Manerger also stated even if I gave her the proper documentation that she still wouldn't take the false collection off my report, I believe there's racism involved in this situation
Product: Debt collection

I have paid off my debt in full with XXXX bank you has REMOVED this account # XXXX from my credit report completely. Now Unifund - a VERY AGRESSIVE AND UNETHICAL COLLECTION COMPANY - NOT LICENSED IN CALIFORNIA is attempting to rudely collect on the paid in full debt on behalf of XXXX bank who states NO SUCH account is in their system anymore! 

UNIFUND LLC XXXX XXXX OH XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$18000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : N/A Terms Duration : Terms Frequency : Date Opened : XXXX/XXXX/XXXX Balance : {$18000.00} Date Reported : XXXX/XXXX/2016 Amount Past Due : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Account Lease # XXXX, and XXXX XXXX  XXXX XXXX Account Number : XXXX have violated my rights. 

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

15 U.S.C 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 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

Dear Sir/Madam, While my ex-wife 's lawyer was filing for bankruptcy for her, they included my social security number instead of hers and all my accounts got affected because of their mistake. I contacted both XXXX and Experian credit companies to remove that record and fix my existing accounts however when I applied for a XXXX XXXX XXXX credit card, they rejected my application saying one or more of my accounts included in a bankruptcy. When I wrote them a letter explaining the same as above, they ran another credit check and sent me the same denial letter which caused my score even to drop more. I kindly ask your assistance to remove all mismatched information with my ex wife, XXXX XXXX, from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, specifically section 602 ( a ) of 15 USC 1681, it is crucial for consumer reporting agencies like Equifax and XXXX to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information.

Under section 604 ( a ) ( 2 ) of 15 USC 1681, consumer reporting agencies such as Equifax, XXXX and XXXX are only permitted to furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer. I have not provided written consent to these agencies or the furnishers of information, and any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been informed of their right to choose not to disclose. However, the furnishers of information to credit agencies failed to inform me of this right.

Furthermore, as per 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse information in a consumer report unless authorized by subsection ( b ). This adverse account, which is being reported without my consent, falls under the category of unauthorized information according to the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person should furnish inaccurate information to a consumer reporting agency if they are aware or have reasonable cause to believe it is inaccurate. Equifax and XXXX, therefore, are in violation of this provision. 

To maintain compliance with the law, every consumer reporting agency must establish reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports to the purposes outlined in section 1681b, as stated in 15 U.S. Code 1681e. Unfortunately, Equifax and XXXX have failed to uphold these reasonable procedures. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services. This means I no longer wish to be included in your reporting activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX resolved a problem with my credit Card. The amount paid was settlement on the account. I presently show that a balance of {$5000.00} is due. This is inaccurate and should be corrected. 


XXXX The merchant was contacted and the company hired to deal with the incorrect balance was removed due to their tactics. This error was done by Credit Union who sent me elsewhere while I had a open dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mississippi XXXX Date of Birth : XX/XX/XXXX Subject : Request to Delete Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX MS XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX MS XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX MS XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is the wrong creditor for this item XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Other information I would like changed XXXX XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. The status is incorrect for the following account XXXX  XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX  XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. This inquiry was not authorized. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


In accordance with the Fair Credit Reporting Act, I am requesting an investigation into these items and their removal from my report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor is unable to verify should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this correspondence.

Please send an updated copy of my credit report to the aforementioned address. As outlined by the act, there should be no fee for this updated report. Furthermore, I kindly request that you notify any party who has accessed my credit report in the past six months of the corrections made.
Product: Debt collection

Upon pulling my credit report on XXXX XXXX I was surprised to see an entry from a company that I have never heard or done business with. I have not received any communication regarding this alleged debt and I have no idea where it came from. I am a victim of identity theft and I believe that this alleged owed debt may be due to that.
Product: Debt collection

I was on workmans comp, t and was involved in a XXXX XXXX XXXX XXXX and was taken to the hospital under XXXX XXXX XXXX they were given cbcs info, plaintiff was informed that this was a workmans comp claim, under the company CBCS, they are charging me unlawfully instead of pursuing the workers comp claim, complaintant also believes that they are charging unnecessary amount. I have informed both cbcs  and XXXX XXXX XXXX of this issue. I am being unfairly persecuted and my credit is taking a hit.
Product: Credit reporting or other personal consumer reports

FCO Fair Collection & Outsourcing placed a collection on my credit reports last year. I've reached out to them multiple times via certified mail with a return receipt service and requested a validation. The collection alleged a debt with the original creditor XXXX XXXX for {$4400.00}. Despite my request for validation of the debt from FCO Fair Collection & Outsourcing and XXXX XXXX, they have failed to provide adequate verification within the specified time frame. 
I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy Pursuant to 15 USC 1681 2B. FCO Fair Collection & Outsourcing has no permission or right to report on my credit report. This collection should be removed from my credit reports.
Product: Student loan

On XX/XX/XXXX, my checks were being garnished for XXXX twice a month. on XX/XX/XXXX I completed my loan rehab plan with Coast Professionals and my loans were sold to XXXX. I have called both XXXX and Coast Professional to provide me with a payment summary of how much was taken and where it was applied. Coast Professional rep ( XXXX-she refused to give a last name or ID number ) stated they can no longer see my account with them to call the current servicer of the loan. I spoke with XXXX quite a few times to get some form of verification because of the things I 've seen on the news and read on the internet. No one has yet to provide any documentation.
Product: Debt collection

removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX