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

I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section XXXX of this title that such information XXXX be disclosed. I did not receive any of the XXXX disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX XXXX ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void. 

My complaint is also with three bureaus TransUnion, XXXX and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give TransUnion, XXXX, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681 for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

For those four violations from XXXX XXXX I am seeking {$4000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Late payment : XXXX XXXX Inquiries : XXXX Sales Financing XX/XX/year> XXXX
Product: Debt collection

I attempted to contact Law office of XXXX XXXX in XXXX and then again in XXXX. I am attaching what they responded. Prior to that I had called and asked to work out a payment plan. The representative wasn't abusive but was rude and did not try and answer my questions. I asked what the next step was and she did not respond or address it. When I emailed, I asked them to listen to the call ... no response. I sent a second response in XXXX and all they responded after that, is that they don't communicate through email. No phone call to me. I feel I attempted to resolve it and they have not done their part at all. 

Here is the email : XXXX To : XXXX   Our office does not correspond via email. Please contact our office at XXXX. 
Thanks, XXXX XXXX XXXX XXXX XXXX for Express Recovery Services , Inc . 

P.O. Box XXXX XXXX XXXX XXXX UT XXXX Direct Dial : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX XXXX This communication is intended for the use of the individual or entity to whom it is addressed. If you are not the intended recipient, you are hereby notified that any dissemination, distribution, or copying of this communication is prohibited. If you have received this communication in error, please immediately notify us and destroy any copies which you may have. The information contained herein is attorney-client privileged and confidential. This is an attempt to collect a debt. Any information obtained may be used for that purpose. This communication is from a debt collector. 
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From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX AM To : XXXX XXXX XXXX XXXX Subject : Fwd : XXXX XXXX A month has gone by and zero follow up from you or your office. I guess I should not be surprised by your representatives unwillingness to resolve this matter. 
Sent from my XXXX Begin forwarded message : From : XXXX Date : XX/XX/2020 at XXXX XXXX  MDT To : " XXXX '' XXXX Subject : XXXX XXXX Good morning, I have tried to contact your office and work out a plan but the only option of 7 months is not feasible for me or my son. He is an adult but is unemployed at this time. He did give me authorization and I have offered to assist him but its impossible to speak in a civil manner with your representatives. I encourage you to listen to the recorded call. 

I have requested to know what the next step is if my son, XXXX XXXX, is unable to meet the 7 month payment plan requirement. The representative said she didnt know. You are required to let me know what the next step is and she should know what are the possible outcomes, yet offered no advice or information. All she told me is she didnt know what resources my son has. Clearly Im not asking about his resources. I want to know what is the next step if he is unable to pay this. I would appreciate some information from someone who is willing to communicate. If that is possible, please contact me at ( XXXX ) XXXX. Thank you! 

XXXX XXXX Sent from Mail for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the indifference of the Credit Reporting Agencies! I have been sending multiple written letters requesting that the Credit Bureaus investigate and update the status and information being reported by the following accounts on my Credit File. The accounts : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance {$310.00} Date opened XX/XX/XXXX ; are reporting erroneous information on my Credit File and I want to know where do the Credit Bureaus reference the information they report. Under the FCRA section 609 and 611, the Credit Bureaus are required to investigate and provide proofs of verification of any disputed accounts from my Credit Report. But despite all my efforts, the Credit Bureaus have done nothing! Their willful non-compliance with the FCRA is a clear violation of a consumer 's rights. I need the disputed accounts corrected immediately!
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I am requesting for these accounts to be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. Account number- XXXX I am requesting for these inquiries be removed from my credit report : XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX IN XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX
Product: Credit card

XX/XX/year> I received financed equipment from XXXX for a security system and was told an amount we had to pay for

two years and our system would be paid off, so thats what weve paid. We later found out that was a lie and the credit line has now been turned into a credit card. I pay on time each month and due to the fact that their system takes 1-2 days to process the payment, XXXX now claims I have 8 late payments history fees for {$41.00} each. I have paid for over 2 years yet my balance went from {$2000.00} to {$1300.00}. Each time I pay we are charged a late fee even though the payment is not late.

The told me a payment was past due that is due in XXXX although its XXXX. Their fees are not transparent and there is no way you can pay for over 2 years and still have the same balance.
Product: Debt collection

I did make the mistake of taking out a business loan with this company. The business fell on hard times and I could not afford the loan. They put a lien on a personal bank account of mine causing it to be closed. Which goes against information published on their web page that there is no personal guarantee. Additionally, they keep refusing to cease and desist communications.
Product: Checking or savings account

In XX/XX/2018 branch associates at Capital One in XXXX New York encouraged me to open a 360 account  with Capital One to access more ATMs. I agreed. I opened the account online. Soon thereafter Capital One froze and locked me out of my online banking account ( ending in XXXX ). I called the technology helpful line between 3 to 5 times, reported the issue and asked that my request for access be restored.. I also wrote to Capital One via its investors relations email on its webpage. I was told by technology that my access would be restored. No access restored and no call back. I had to go to the XXXX New York branch more than once to request printed copy of statements. 
Eventually the lack of online access forced me to close my account. I could not track my debits, credits or liabilities. Till this date, no call from Capital One. I have been a customer for approximately 23 years. Now Capital One has sent me letters regarding a {$130.00} debit. This debit was traceable to Capital One 's breach of federal regulations in locking my account without notice, refusing to restore access and til today not contacting me. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX TX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX TX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 
XXXXF ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 
XXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. XXXX XXXX AUTO ACCOUNT NUMBER XXXX BALANCE {$520.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF. 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. 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 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

Equifax failed to do a independent investigation regarding the account in question. 
Failed to investigate within the time allotted by law violating FCRA. 
Failed to mark the item as disputed to give notice the future creditors of this ongoing dispute.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the XXXX XXXX XXXX XXXX Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This last and final complaint before the matter is taken to District to ask the federal question for violations of the Fair Credit Reporting Act, is in reference to the previous identity theft complaint placed through the CFPB and the email that was received by Experian Information Solutions , Inc on XX/XX/2024 which suggest that I made my request to block personal information due to identity theft in error, WHICH I HAVE NOT. 
Experian Information Solutions , Inc is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public 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.XXXX XXXX XXXX is XXXX financial institution by definition under that title. 
I am the card holder which was issued to XXXX XXXXXXXX XXXX, so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

I have also opted out and rescinded any authority I may have given XXXX  XXXX XXXX to report about me to any 3rd party, and I have a right to privacy. 

Experian Information Solutions , Inc is also in violation of the previous conditional cease and desist what was attached. 
Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist. 
XXXX  XXXX XXXX Opt Out Notice Identity Theft Report Power of Attorney, CAF Notice, Fee Schedule Opt Out Notice ( s ) Name Copyright Passport Card Invoice
Product: Checking or savings account

Im getting {$29.00} overdraft fees on my account even though Im not spending anything and I have no subscriptions so theres no reason they should be taking money out of my account. Its not the first time this has happened with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting unassociated names and addresses that I have never lived at. Bank accounts missing payment history of which is crucial to the credit reporting itself and the reporting agencies will not correct the problem.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I have received a 100 point reduction in my credit score from XXXX. When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX convergent outsousing.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to convergent. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling convergent again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with XXXX and explained that I never received an itemized bill from either XXXX or Convergent. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my credit report are disputed : XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX  XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX  XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX payment Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I believe these accounts are inaccurate because [ provide a brief explanation of why you believe the account is inaccurate ]. I am requesting that these accounts be investigated and corrected or removed from my credit report. 

Under the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. If the information is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I had a problem trying to pay for updating my corporate documents with the Florida Department of State Division of Corporations. I called the TRUIST XXXX credit card and they told me that they had the physical location incorrect for my business. They corrected the information and then I was able to make the purchase. About a week later I tried using my TRUIST XXXX credit card to make a purchase through XXXX and it was not allowed and then a purchase for a XXXX advertising and that was not allowed. I visited TRUIST bank in person and they told me that they made the proper updates for the business address. 

Today I tried to make the XXXX and XXXX purchases again and they did not work. 

I feel like I am getting the run around. I ask the TRUIST  XXXX credit card department why the card is not working and then I am told XXXX story then go to TRUIST and am told a different story. I am told several times that the problem has been solved but it has not. Purchases that are necessary to conduct my business are being blocked. If I am given credit but then the credit is being blocked then I have not actually been given credit. I have tried opening a business line of credit at another bank but was refused. Having an open account for credit in XXXX bank actually blocks me from obtaining a different credit card at a different bank. If I were to close the TRUIST XXXX credit card myself it would damage my credit score. I have tried contacting the XXXX credit card company that is independent from TRUIST and they told me that there is nothing that they can do for me. They said that I have to go through the TRUIST issued XXXX credit card department for a solution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights with inquiry reporting as follows : Incorrect inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

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 or inquiry report without written instructions.