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

I did not consent to these Unauthorized Inquiries. 

XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX XXXX  Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the relevant identity fraud laws in XXXX XXXX. 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly as applied within XXXX XXXX, underscores the necessity of consumer consent for credit reporting. Identity fraud laws in XXXX XXXX highlight the severity of unauthorized access and misuse of personal information, which parallels the protections afforded under the FCRA. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws specific to XXXX XXXX XXXX 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and XXXX XXXX regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint in regards to the Equifax data breach on XXXX XXXX 2017. After checking their website I discovered that I am one of the individuals affected by the data breach. Any company that holds that much information about citizens should be held to the highest level of accountability when an incident like this occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had sent XXXX XXXX XXXX XXXX a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX.

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY.

I received a letter on XX/XX/2018 asking for additional information to address my credit " DISPUTE ''
Product: Credit reporting, credit repair services, 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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX IXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX FXXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit card

I have two credit cards with Comenity Bank : 1 ) Ballard Design and 2 ) Ulta MasterCard. 
. 
I have been locked out of both online accounts since XX/XX/XXXX which is how I review my charges and submit payments ( timely ). 

I have contacted both accounts from the numbers on the back of the credit cards and each time they tell me the same : I need to reset my password ( I've tried and it doesn't allow me to ) ; I need to use a different browser ( done that still doesn't allow me to reset ) ; They tell me they need to reset the system and for me to wait 10 days before trying to log back in to reset ( done that still doesn't allow me to reset or log in ). 

I have done all of the above numerous times as requested and to date XX/XX/year> I am still locked out and have payments due on or before XX/XX/year>. 

I do know a class action was filed against Comenity a few years back for this very reason they lock consumers out of their online accounts and then charge late fees. 

Of course, payments can be submitted by telephone and/or XXXX mail ; however, my accounts are set to paperless billing ; therefore, I don't receive a statement and can not look and see exactly what has been charged to those accounts... not to mention... it's my consumer rights to be able to review my bills. 

I have even contacted Ballard Designs storefront and they've tried to assist me with Comenity to no avail. 

I also filed a report with the FDIC who recently let me know they were referring this matter to your organization.
Product: Debt collection

XXXX XXXX XXXX is trying to collect on a debt for a Insurance account via XXXX XXXX XXXX XXXX. I do not recall ever having insurance with XXXX XXXX and have tried repeatedly to get proof the debt belongs to me by requesting a contract from XXXX XXXX XXXX bearing my original signature. XXXX XXXX XXXX  has been unable or unwilling to provide this information. I have reported to all 3 credit bureaus that XXXX XXXX XXXX has been unable to provide this information and the debt still remains on my credit. XXXX XXXX XXXX is also reporting false information on the date this account was opened and closed. According to the statement I was sent, it was closed in XX/XX/XXXX and XXXX XXXX XXXX states it was opened XX/XX/XXXX. Per the Fair Credit Reporting Act, changing the date the account is opened/closed is against Federal Regulations.
Product: Credit card

My American Express XXXX card includes a benefit in which you receive a credit of {$50.00} twice a year for making a purchase of at least {$50.00} from XXXX XXXX XXXX. It states " Get up to {$100.00} in statement credits annually for purchases at XXXX XXXX XXXX or at saks.com on your XXXX XXXX. That's up to {$50.00} in statement credits on a semi-annual basis from XXXX through XXXX and up to {$50.00} in statement credits from XXXX through XXXX. No minimum purchase required. Enrollment required. '' I placed an order for {$55.00} on the XXXX website on XX/XX/XXXX at XXXX XXXX and it posted immediately to my Amex card as a " pending '' transaction so I assumed I was well within the timing that was specified to receive my XXXX credit. However, it appears that Amex took XXXX days to process the credit card transaction so now they are saying that because it didn't move out of a " pending '' status in time, my credit for XXXX was used. 

This is a clear UDAAP violation as the transaction was completed on my part well before the stated deadline. It seems that American Express is intentionally delaying the posting of transactions and withholding rewards from their customers based on their own processing delays. I am asking for either a {$50.00} statement credit to my Amex account or a credit of XXXX Amex Membership Rewards points. 

I chatted via the app on XX/XX/XXXX at XXXX ET with a customer service agent " XXXX XXXX who escalated it to a supervisor " XXXX ''. Both of which insisted that there is nothing that can be done.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

I have used American Express prepaid cards from XXXX for many years. I usually keep a few as I use them as gas cards when I purchase gas for my RV as we are retired and travel all the time. My AE prepaid cards quit working and AE said I had to fill out a " Who are you '' form on the internet before they would be reactivated. The form wanted my social security number on it so I questioned why a " Travel Agency '' needed my social security number at all. I protect my social security number as well as I can and only give it to institutions that really need it for financial reasons relating to the IRS. I probably have about {$3000.00} on these cards and I ca n't seem to get AE to tell me how to get MY money back from them. I have used these prepaid cards for years and have never had this problem before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent documentation the Equifax to remove items listed below from my credit report due to them being fraudulent accounts. Equifax claimed the accounts were valid, but after further investigation they are non-valid accounts and should have been removed. I sent another dispute letter along with my driver 's license and an FTC Affidavit to XXXX on XX/XX/2022 to have the items removed to no avail. In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # 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 Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

My previous complaint : XXXX SUBMITTED ON XXXX/XXXX/2020 PRODUCT Debt collection ISSUE Written notification about debt. 

I have received another letter regarding XXXX XXXX as current creditor, but from a different company. Credit Control LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, MO XXXX, XXXX. 

The letter is dated XXXX/XXXX/2020. It is alleging I owe {$530.00}. As I stated in my previous response letters and in the previous complaint ; 1 ) I am disputing that I owe them any debt.

2 ) The dates provided of the alleged debt are past the statute of limitations. and 3 ) I want the letters to cease and 4 ) I want all collection activities as it relates to this alleged debt to cease.

5 ) Finally, I would appreciate a direct response to my request and complaint. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank opened/authorized an individual credit card account for someone - NOT ME. 
Wells Fargo Bank then started reporting this new account and it's limit/balance on that persons credit reports and they ALSO started reporting this information on my reports as well. I did not apply for this account and am not attached to it in any way, yet it is being reported on my reports that I am responsible for this account. 
I contacted Wells Fargo when this was noticed years ago, and was treated like this is MY mistake, and my problem to solve. 
I have repeatedly contacted Wells Fargo & the credit agencies to dispute this and have it corrected. Wells Fargo continued to state I was responsible for this account, so the agencies would not remove the incorrect information. 
I most recently again contacted Wells Fargo in XX/XX/2021. 
This time they admit they were wrong and " noticed inconsistencies with account information reported & would request to update their records and have the account that does not belong to you removed. '' WOW - Exactly what I had been saying from the beginning. 
This incorrect reporting has negatively impacted my ability for financing approval and rates I receive. My credit score had been lowered by over 25 points, and looked like I had {$6000.00} more debt that I really actually owed. 
How will Wells Fargo be held accountable for not correcting their admitted mistake in a timely manner and continuing to affect my financial stability/ability for years?? 
Wells Fargo should have to feel the effects of a mistake like this - I have had to. 
I have numerous names and dates of Wells Fargo customer service reps and also their research and remediation analysts who were anything but understanding or helpful during this ENTIRE process, they were extremely rude and condescending, even after they admitted the bank was and has been WRONG! 

Due to this format - additional documents and information will/can be provided once I am contacted. I don't want sensitive information floating around.
Product: Debt collection

Zuntafi incorrectly reported the alleged debt account to three consumer reporting agencies as delinquent when the account was disputed. Zuntafi also sent me a letter suggesting they will report the account as disputed. However, Zuntafi is misrepresenting and reporting the account as delinquent when the account is not validated with competent evidence. Zuntafi did not provide competent evidence to validate the alleged debt. Zuntafi has continued to send me statements in the mail despite my insisting the company not contact me, violating federal laws.
Product: Debt collection

There are a total of XXXX OPEN Accounts being reported with this company : 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXXSC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX  XXXX Charge-off {$0.00} XXXX XXXX Foreclosures {$0.00} Please see the attachment as I have analyzed everything on my credit report!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

continously provides me with a bolden statement telling me to XXXX off-that Im not getting my files disputed wo my blood type ( provided ) starship name, etc. 

When I give this informaion they claim I have not provided enough to dispute ( XXXX XXXX seems to think so ) and dismisses my claim. 

then they try to claim I am frivilous. 

I am sending them to a lawyer for FCRA ACTION. 

I have given the bureaus stacks of paperwork and they continue to play this XXXX from months ago, unresolved.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

I submitted a school misconduct application on XX/XX/year> through Navient. Navient confirmed they received my application on XX/XX/year>. It's been 30 days since I heard from them so I'm filing a complaint.
Product: Checking or savings account

On XX/XX/XXXX I received a call from the phone number for my Discover Bank. I answered and was told that there was suspicious activity on my account. He said there were two charges through XXXX two different people. I didnt recognize them. He sent me a text to confirm to be sure I was receiving those text when any activity occurred. The text did mention something about a company, XXXX XXXX XXXX. It said there was a charge for {$82.00}. I questioned him because I had no idea who that was. He said I just need to answer yes to the text so I did. He said he would have the XXXX  credit fraud department call me, I was sick and had been sleeping when he called so when my head cleared and I woke up, I realize it sounded suspicious so I called Discover Bank. They told me that there were multiple charges to that name ; XXXX of them that totaled almost {$1600.00}. They said I could not dispute them until they posted to my account. they posted two days later so I called and they disputed each one of them and told me I would get a response within 4 to 45 days. I could not open a new checking account because it was a regular bill of mine pending. I called again on the XXXX. They told me they had closed my account and gave me new routing & account number info. I checked my mail on XX/XX/XXXX and found a letter for each dispute saying it was denied. 
When I called to question that I was told that it would never have been approved. It was considered a scam, and they never approved disputes for scams. If someone had told me that rate from the beginning, I wouldnt have lost two weeks time trying to fight that. There is nothing in place for me to dispute their findings so theres nothing else I can do. I am a XXXX single XXXX XXXX XXXX  woman. Im living on XXXX XXXX XXXX. I would like to dispute their decision but I seem to have no way to do that. XXXX XXXX
Product: Checking or savings account

I talked to XXXX bank went in that they had nothing to do with my account when the money was taking out they told me to leave I called direct express company to send me my paper work on my account to see where the money went I called two times never sent the paper work so here I 'am thanks very much XXXX
Product: Credit reporting or other personal consumer reports

Despite providing evidence of identity theft to creditors and the credit bureaus multiple times per year since XXXX, there is persistent incorrect information on my report. From bureau to bureau the amount of debt varies, payment history reporting varies, account status and comments vary. This has caused there to be a significant difference in the scores for my profile at XXXX, XXXX and Experian and has prevented me from securing a home loan among other types of credit over the years. I have called the creditors directly, mailed letters to the creditors and the credit bureaus and have filed reports with my local police station and the FTC. No avail. I want to stop being punished because the bureaus have failed at validating debts properly.