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

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 consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not 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. '' Nordstroms/ TD is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Nordstroms/ TD, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Nordstroms/ TD whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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 given an explanation of how the consumer can exercise that nondisclosure option. '' Nordstroms/ TD 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 1681s2 ( 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. XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transaction completed by the consumer.
Product: Debt collection

Agreed to pay amount of {$410.00} and charged credit card {$1300.00}. They refused to respond to any written requests ( emailed Radius Global on XX/XX/19 ) on as I tried to resolve without getting the credit card company involved.
Product: Debt collection

Last Summer I noticed that my credit score had dropped XXXX points, so i contacted XXXX credit bureau to explain. I was informed that I had been turned over to a collection agency for nonpayment. i had them send me my current credit report, and discovered that XXXX XXXX had turned me over to a company XXXX XXXX XXXX XXXX ) for collections for the amount of XXXX}. for the purchase of a iphone ( XXXX XXXX XXXX ). 
I contacted XXXX ( XXXX XXXX. ) and XXXX, i worked with them several weeks 'off and on. I assured them that i had never been a Spectrum customer and had never lived in North Carolina ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) the reported address. After many conversations we all agreed that my identity had been borrowed. Case closed or at least i thought so, my credit score jumped back up to XXXX and i never heard back from them.Well a month ago i started getting collection calls from a company, XXXX XXXX XXXX. These calls are about the XXXX issue that was supposedly rectified last summer. This new company claims that i have to file a fraud report with Spectrum to prove my innocence. This report is extensive, police report, trade commision, notarized information and surrendering alot of private personal information. 
This has become very stressful for me and my wife. I hope that you can help me clear this up before they trash my credit score again. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX 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

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidences as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # XXXX  and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX XXXX XX/XX/2023
Product: Checking or savings account

In early XX/XX/year> I learned via receiving a XXXX that someone had opened a CashApp account in my name. 

I contacted CashApp and their parent company Square Inc. and reported the fraud and asked them to close the account. I was told they will only cooperate with law enforcement. 

I contacted XXXX, CA Police Department and reported the fraud. But they indicated they are unlikely to get involved. 

I recontacted CashApp and told them of this, they still refused to confirm the account is closed or provide any information or updates. I have tried several times but have yet to receive any update from them other than being told they can not help me. 

Cash app case number : XXXX XXXX XXXX XXXX XXXX case number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER FST FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I have been in the process of disputing debts stated on my credit report that are not mine. I have contacted the credit bureaus in regard to these debts and stated that they are not mine and I have no knowledge of these debts. I contacted each credit bureau on XXXX XXXX, and 13 to have these debts ( in amounts of {$580.00}, {$540.00}, {$380.00}, {$1300.00}, {$900.00}, and {$910.00} ) removed from my credit report with proof, and they are still refusing to do so. Some of these " debts '' that I have no knowledge of have even been written off and are still showing on my report as my debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XX/XX/XXXX my insurance did not pay my physicians and the Debt was bought by Paramount Recovery in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner
Product: Credit reporting or other personal consumer reports

XXXX  -- Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX XXXX XXXXXXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX This is not accurate.please remove this inaccuracy from my report. 

COLLECTION -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

COLLECTION -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

XXXX XXXX -- Account Number -- Account Number -- XXXX -- Opened -- XX/XX/XXXX This account has incorrect information. 

inquiries, these inquiries were not authorize, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2nd attempts to inform the 3 credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
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 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 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 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

On XX/XX/XXXX I contacted TFS at XXXX. TFS representative informed me that 30d mark for XX/XX/XXXX should have been removed and there is a technical error on TFS side. TFS representative assured me that the 30d mark for XX/XX/XXXX will be removed from my credit report. The 30d mark is not removed. I have a conversation recorded and can provide it by request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX, and Department of Education/XXXX XXXX have entered into an agreement with me to discharge my student loans under the ( TPD ) Total and Permanent XXXX Discharge Servicer. Once monitoring period of ( 3 ) three years have been completed of I have reached the age of XXXX XXXX XXXX, and that I must not enroll into school using government loans or processes, shall make is TPD invalid. The TPD has been discharged by the information is still being updated in the bureau causing a debt to ratio on my credit report and this is unwanted because I can never use these educational services anymore.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated credit report today, I felt so disappointed seeing those same inconsistent, incorrect and misleading entries that XXXX XXXX agencies has furnished on my files. I am requesting an immediate DELETION on these inaccurate accounts that these companies has added to the list of my credit history, as soon as they get to read this complaint and my letters. 

XXXXXXXX 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: Checking or savings account

After transferring the bulk of my funds to a Bank of America account due to higher international wire limits. I scheduled an appointment and notified the bank several days before that I would be going to the branch to send an international transfer exceeding {$50000.00} and to be prepared to do so as I was moving out of the country. At the scheduled time I filled out all paperwork, provided both US Passport and valid state ID. About 40 minutes passed and the Bank Manager came to speak to me. She notified me that my account was now frozen for suspected fraud. And that the wire would not be sent and that I would have XXXX access to my funds. I was scheduled to leave the country, a very large international move two days later. With XXXX access to my account, multiple vendors would not be able to get their payments and created an issue. My pets USDA health certificate payment was refused, causing my pet to not be eligible to leave the country at the pre-set departure date. I was unable to pay the airlines to rebook my tickets, unable to pay rent, purchase fuel, or groceries to wait out the account freeze. This is beyond unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error.

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Student loan

I have complained several times because of this Navient. They are the biggest criminals out there period!!! 

After complaining about payment distribution troubles and unknown charges and having made so many payments in the last years and principal balance not going down they said I need to make larger payments. 
So after hearing this I decided to have my family help me and I made a payments last month for XXXX dollars then XXXX dollars a few days ago XXXX dollars. Having said that, Navient has realised that I am making larger payments so they decided delaying the payment processing on purpose. When I was making my payment a few days ago my balance was XXXX dollars less. Because of this delay now its more as you can imagine so they are delaying the processing so that more money of my payment goes towards interest. There is no reason why payments made electronically should be delayed for several days XXXX days to post those XXXX days cost me money in interest everytime. I have made a payment on tuesday today is saturday my payment has still not posted i have checked everything with my bank and all is ok it seems that it is just them delaying it. Besides that i have always made payments the same way though the same bank and have never had trouble before so dont know who or why my payments are delayed suddenly now after i am making larger payments. I have talked to Navient and they said that it sometimes takes a longer time to post payments and they cant control that. I was told they cant do anything which is incorrect and my according to my attorney they can not do that. I have a credit card with citi when I make a payment through my bank online it applies immediately. Why does Navient not have something like that and if not fine but then at least give me a credit back for the days it took you to process my payments because you can imagine how quickly this business can start to earn money imagine if they only took a dollar per delay to how much that adds up to. If they are truly that what they claim they are and if they want to help students pay off their student loans faster then dont take money from students. Shame on you!!! This is just one example of the so called micro-theft you do to students thinking people are stupid they will not realise when you take a few bucks from them. So sad.