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

Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/2023 Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I, XXXX XXXX XXXX XXXX, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ).

Account Name has violated my
federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX, legally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax and XXXX. | did not grant XXXX  XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies. 
Remove reporting of the account name filings from all consumer reporting agencies. 


Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX IN REGARD TO THESE Capital One ACCOUNTS # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Accts # XXXX, XXXX, XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX XXXX XXXX Acct # XXXX THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 
The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 
The CFPB alleges that XXXX has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that XXXX is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
This also violates the XXXX XXXX XXXX ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the XXXX XXXX, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in need of a new AC unit and contacted XXXX XXXX XXXX of XXXX, NC in order to repair or replace my AC unit. When I filled out the form for financing, I was told the financing would be going through XXXX XXXX. I received an information packet and credit card via XXXX XXXX. However, I decided that the amounts XXXX XXXX XXXX provided were far too expensive. I called another company and had them come out to fix my unit for a fraction of the cost XXXX XXXX XXXX quoted. And, was I also informed that the information regarding both the outdoor and indoor units were very different from what XXXX XXXX XXXX told me. XXXX XXXX XXXX   claimed my outdoor unit was 11 years old and needed to be replaced along with my indoor unit. However, the company I went with said that the outdoor unit was only 7-8 years old and in perfect working order. Only the indoor unit needed to be replaced. So, that what I did as of last week with the other company and paid them the full amount of that up front.

Today I received a letter in the mail from XXXX XXXX saying they had a credit application from XXXX XXXX XXXX in my former name, XXXX XXXX, ( not my current name of, XXXX XXXX XXXX  of which I only gave them ). XXXX XXXX XXXX took out a credit application with another finance company without my knowledge or permission in a name I no longer have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to XXXX additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, XXXX, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of XXXX, XXXX Incorrectly, and mainly breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

They were still charging me after I closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type XXXX XXXX XXXX XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$7700.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7000.00} from XX/XX/XXXX to XX/XX/XXXX I explained to the company I'm XXXX XXXX and was station in XXXX XX/XX/XXXX XXXX XX/XX/XXXX and I did not open this account. Company stated they don't have any account in my name, yet they are reporting it on my credit.
Product: Consumer Loan

In XX/XX/XXXX I financed a Flat Screen TV through Best Buy for around {$1800.00}. I purchased it on 36 months same as cash promotion. I made all of my payments on time and when I went to make my online payment this month ( XX/XX/XXXX ) my balance increased {$1800.00}. I called the lender, CitiBank to go over this situation. They informed me because I did not payoff the balance of {$610.00} remaining on the loan as of the close of XXXX they added the {$1800.00} to the loan. This is more than the TV cost me 3 years ago. I advised them offered the option of a monthly e-mail payment reminder and I could be eco friendly by paying on line, which I chose. This does not show you when your promotional offer is expiring unless you click the link to the statement, which I rarely did since i would just verify the balances each month based on what I paid the prior month. show you when the promotional offer is up.This is very misleading because unless you click the link, you would never see when the promotional offer is expiring. I offered to payoff the balance and the interest due on the balance and they advised me they would not do this. I spoke with a person named XXXX. He would not give me his last name nor would he give the name, number or let me speak with his supervisor. This is unacceptable. Had they advised me of this on the monthly payment e-mail reminder I receive, I would have paid this off in full. They told me I am responsible for this. I was mislead about the interest being retroactive on the original loan amount nor was I ever advised on their monthly e-mail pay reminder the promotional offer was expiring. I realize this is on the monthly statement but I decided to go green with the payment reminder to be eco friendly and it cost me because unless you click the statement link, you will never see this. I have no problem paying the interest due to my mistake but not on the original loan amount. I truly believe this is a deceptive practice promoted by CitiBank to take advantage of honest people. I am sure this has happened to many others.
Product: Bank account or service

PNC Bank processes Debits before Credits to obtain Overdraft Fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX XXXX/DEPT OF ED- 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 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 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  POTENTIALLY NEGATIVE MONTHS Credit usage 65 % Balance {$130.00} Balance updated XX/XX/XXXX Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX XXXX Account type Credit cardXXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 3 % Balance {$16.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 33 % paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$530.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured
Product: Credit reporting, credit repair services, or other personal consumer reports

have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX  , XXXX, XXXX , XXXX XXXX, XXXX ,, XXXX XXXX  , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX , XXXX , XXXX XXXX and XXXX XXXX .
Product: Prepaid card

I have requested my replacement rushcard XXXX paychecks ago and have yet to receive it. I have paid expedited fees and still have yet to receive my card. I have request it XXXX times starting on XXXX XXXX. I have XXXX small children XXXX XXXX XXXX and I can not pay my bills and can barely make it to work. All my money is on that rushcard and I am beyond frustrated hurt upset annoyed and irritated.
Product: Credit card or prepaid card

i open an account at XXXX XXXX they are with TD bank, my identity social security was compromised and someone charged on XX/XX/2022 an amount of {$3700.00} i called the credit card and dispute the charge but they want me to paid for something i dont charged. also someone at store stole my social and open accounts in my name, they should investigate more to see who its doing this to me and protect me.
Product: Checking or savings account

Received a spam text message from XXXX as follows " ( XXXX-Alert ) You recently scheduled ATM Withdraw Using XXXX Pay XXXX - XX/XX/22. if this was NOT you visit XXXX. ". I do not bank with XXXX XXXX and do not own a XXXX phone. I genuinely believe this is spam and fraudulent.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase at a store in XXXX called XXXX XXXX. I was charged XXXX ( {$420.00} ) initially and told it was an accident since the price I was given was for XXXX. The store clerk then acted as if he was correcting the mistake and gave me a receipt for the new amount. A few days had passed when I noticed that I was charged incorrectly so I submitted a dispute with my bank ( Chase ) on the charge. The bank temporarily credited my account while they did the research. I didn't get a response from my bank till about 2 months later saying that they couldn't accept the dispute. I then called the bank right away and was told that I would need to show proof which they did not mention until then. I then sent them the proof in a letter which they then took about another 2 months to look over. That was when I received another letter saying that they again couldn't accept the dispute. I called and they mentioned that they couldn't accept it since it was already outside the time frame. Because the bank took so long to research the first dispute it was already outside the time frame not allowing me to take any other actions. This was also not mentioned in any of the calls I made to them at each step of the process until the final call. I would also like to add that after doing my own research, I found out that this store has scammed many others before which I thought would help in my case, but unfortunately did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a camper loan from Marine One. This account was charged off in XXXX. A hard credit inquiry was completed on my credit in XX/XX/XXXX by Marine One. I did not apply for new credit from this company .I do not understand why Marine one would check my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my right. Under 15 USC 168 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 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

XXXX XXXX XXXX 30 day late XX/XX/2014 2014
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Laws. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a notice from TSI about a debt for XXXX XXXX XXXX  on XX/XX/XXXX. I wrote a letter on XX/XX/XXXX disputing the debt. Additionally, I disputed the debt through TSI 's website as well on XX/XX/XXXX. I never received verification of the debt. They keep sending me requests for payments, stating it is collecting interest. Again, I never received verification of debt nor did they stop collecting prior to providing me with verification. The dispute I sent is attached.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Money transfer, virtual currency, or money service

I requested a reinstatement of my right to deposit paper money, I have not infringed the terms of service and I was allowed full access to this feature since XXXX and then from XX/XX/XXXX I was then removed of the right with no explanation or way to rectify. I would like to continue being a customer of cash app but I wouldnt like to be removed of my privilege to certain features because of any sort of prejudice.
Product: Debt collection

I do not have outstanding debt and recently paid off any debt with collections. The number XXXX has been calling my cell phone numerous times everyday but leaves no message. I googled this phone number and found out that it belongs to a scam Medical Collection Agency which currently has lots of law suits against them. 

" ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' I would like the company to cease any sort of communication with me as I believe this to be harrassment and fraud.
Product: Checking or savings account

I've had a third party linked to my account and now PNC won't allow it to connect.
Product: Checking or savings account

I have had a checking account with Citi Bank for almost a year now. But I rarely use the checking account. So imagine my surprise when one day I looked at the account just for fun and giggles and see that my account was overdrafted XXXX because I did not have a balance of more then 1,000.00 for the month. Now keep in mind that when I originally opened my account with Citi Bank I told them that I would likely not have that amount every month because I would primarily use that account for XXXX etc. I was told that was fine because this is a total free checking. So imagine my surprise when I found out that I was overdrafted. Not because of my bad budgeting but because of Citi Banks Misrepresentation. So when I called to request a reversal of the overdraft fee that was not due to my lack of budgeting etc. I was told No because this account is required for me to have a minimum balance. And when I explained that I was told that this was a total free checking. I was still told that he would not be able to waive the fee. So I told him to close the account because this company is very misleading!!! Now yesterday just so happened someone XXXX me money not realizing that I no longer banked with Citi. ( So I thought ) because again I told them to Close my account. So in a panic i checked and what do you know!! The account was still open and they took another XXXX fee out!!!!!!!!! I am livid!!!! Especially when this account was suppose to be closed months ago!! Totally not okay!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureau to delete the unauthorized credit inquiries but its been well over 30 days and no response from them. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$590.00} collection account from XX/XX/XXXX on my XXXX credit report. I have disputed this multiple times, and it still remains. Eastern account system is the collection agency, and XXXX XXXX is the original account. 
When XXXX came to my door in XX/XX/XXXX, XXXX XXXX promised lower distribution rates than XXXX for electric, so I signed up. After months of being over-billed dramatically, I called to cancel and be refunded and XXXX refused. 
They did not hold true to their promises. Recently, upon my investigation, I found there is a class action settlement against XXXX XXXX for services provided from XX/XX/XXXX through XX/XX/XXXX for OVERCHARGING CUSTOMERS. I am a part of this settlement. I should have never been overcharged. XXXX charged me a total of {$890.00} ADDITIONAL on my electric bill from billing periods XX/XX/XXXX through XX/XX/XXXX. Of this, {$590.00} was unpaid once I caught on. 
I have called XXXX and a new dispute was opened since I discovered the class action settlement. Per the results, Eastern Account System validated the collection amount and stated it will NOT come off my credit report. 
I have contacted Eastern Account System 2 weeks ago, and they stated there is nothing they can do.

I have attached all XXXX bills which include over charges for XXXX XXXX. I have also attached my current XXXX credit report, and the dispute results. 
**Any and ALL information can be found at XXXX XXXX XXXX  regarding the class action settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX Balance : {$27000.00}.