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 ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ACCT # XXXX, XXXX XXXXACCT # XXXX, XXXX  ACCT # XXXX ) are a financial institutions 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. '' ( XXXX, XXXX XXXX, XXXX ) the financial institutions and the Consumer reporting agencies XXXX, Experian 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, Experian and XXXX, ( XXXX, XXXX XXXX, XXXX ) 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. '' ( XXXX, XXXX XXXX, XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) Further 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. '' These accounts are 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, Experian 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: Checking or savings account

Us Bank. On XX/XX/XXXX I realized my account was frozen and they stated it was due to the irs trying to take out XXXX XXXX dollars so it got froze due to suspected fraud. I later received my check from the irs for XXXX XXXX. The bank advised me that my account would be closed and the money that was in my account would be sent to me in a check. I received a letter stating I would be getting my money as well. However here we are on XX/XX/XXXX I went to the bank and they told me they dont know where my money is and there is nothing they can do or say to resolve the issue. I have XXXX in that account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX on my report that I never purchased. I disputed it with TransUnion. TransUnion is claiming that this infinity is mine I dont believe they did any investigation like check what bank was getting the payment who is the insurance carrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my background report I received a copy of, says I have had my name in three countys in the states of XXXX, XXXX & XXXX. I have only lived in two of those states, XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a FTC report with the fraudulent info on my Equifax report that needs to be removed.
Product: Mortgage

The company refused to get my payment back from the insurance company that owe me a refund because I never needed flood insurance
Product: Debt collection

Called WAYPOINT RESOURCE GROUP to get proof of debt nothing has been received the representative was rude and when I asked to verify the address they had he got mad and hung up on me this is not right I asked for it to be deleted and they said it's not they problem then have protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, Equifax, XXXX, & XXXX  have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.XXXX  finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions are unfeasible.
Product: Credit card

I disputed a charge on my capital one spark classic for $ XXXX I used a 3rd party servie to find a licensed hair dresser. XXXX, the service helped secure the {$50.00} payment for this consult. The person they connected me to was a scam artist. She isn't licensed. My red flag went off when she tried to convince me to pay her {$300.00} as a deposit, but she wasn't sure if she could do my hair. I asked her for her license and she couldn't show it. 

I contacted capital one, first they didn't supply any evidence to me before siding with XXXX. They clearly don't understand the transaction. 

I thought I used XXXX to find a XXXX who can legally do hair in ILLINOIS. Instead, XXXX is a vehicle for anyone who signs up to collect money. They are not vetting the stylist. 

I told this to capital one and they are looping me around and then denied a 2nd time. Infuriating!
Product: Prepaid card

I received a Brinks prepaid XXXX without applying for one.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX {$1500.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$700.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX {$300.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Original Balance {$520.00} XXXX Resource XXXX Opened XX/XX/XXXX Account # XXXX Original Bal : {$3000.00} Balance : {$2900.00} XXXX System, XXXX XXXX XXXX Powered By Opened XXXX, XXXX XXXX Original Balance : {$350.00} 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 a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! I am needing help removing my bankruptsy from my equafax and XXXX  report. pls pls help due to me having XXXX.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX   XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 
Nelnet took over this loan from XXXX XXXX XXXX XXXX   for two accounts. XXXX XXXX XXXX XXXX is still reporting as a duplicate when it should of been consolidated with Nelnet credit file. I was also forgiven on these loans earlier this year due to that I am XXXX veteran.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXPortfolio RecoveryXXXX XXXX XXXX XXXX XXXXXXXX, Va XXXXXX/XX/2019Re: Acct XXXX XXXX XXXX		Dear: Portfolio Recovery   You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
Product: Debt collection

I have spoken with this debt collector multiple times via phone conversations and explained to them that this is not my account. The only account I have had with XXXX is for XXXX ... The account I had with XXXX was paid in full around the same time this collector began calling me about the account in question. This is basically fraud as it appears that someone has added my name to this account without my knowledge or consent, because based on the dates this appears to be a bill from the previous owners of this home, so it just leads me to inquire and ask how you would have associated my name with this account. I did not have any interest ( owner nor tenant ) in the property at any time prior to the XXXX of 2017. Per the bill that was sent, there was a carryover balance from XXXX of 2017, which is impossible as I did not own that property nor did I live at that address until XXXX of 2017. I have informed them repeatedly that this is not my account and I received a call stating that it was my final attempt to pay or this information will be added as a derogatory entry to my credit file. This is not my account!
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$25.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Credit reporting or other personal consumer reports

While recently reviewing my Equifax credit report, I noticed that there are some inaccuracies on my credit report that should be removed. I see that the accounts referenced in this complaint have late payments that are reporting negatively and are affecting my credit score. I have sent a debt validation letter to Equifax back in XXXX asking them to provide me with the proper documentation for the listed accounts because they are not my accounts and are the result of identity theft and fraud. They have yet to provide me with this requested information and have since updated the accounts on my report in 2 days as if the accounts are mine. Equifax has falsely updated the listed accounts with late payments that are hurting my credit when in fact the accounts are not my accounts. Equifax has failed to conduct the proper investigation on my dispute request therefore please remove the following accounts from my credit immediately : XXXX XXXX  Acct # XXXX {$380.00} XXXX Bank Acct # XXXX {$150.00} All three of these accounts are not my accounts but are reporting late payments on my credit. I am a victim of identity theft, and these accounts were opened fraudulently therefore they should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my credit reports never had XXXX XXXX. I have lived in XXXX County Florida for 24 years and had XXXX XXXX XXXX XXXX for all 24 years not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from Amerassist AR Solutions on my XX/XX/XXXX report. I sent a validation letter and didnt getting anything confirming that it was me. I would like this account deleted. It does against the FCRA because they didnt verify the debt. I will attach what was send for validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have forward all needed documentation that was needed in order for Transunion credit bureau to remove any and all inaccuracies from my consumer report, they have failed to remove any of the inaccurate information base on there reply that my official documents was not official documents. Now Im SUFFERING ECONOMICALLY from their decision to not remove the information from my consumer report. I have been trying to purchase a Home for me and my family, and I am being denied because of the inaccuracies on my file. I am Now seeking legal/financial remedy.
Product: Debt collection

Radius Global Solutions filed a collection status on my credit report, in XX/XX/2022, for a debt with XXXX that was not incurred by myself, but was a debt that was a responsibility of my mother in law, XXXX XXXX XXXX, who was living with me at the time of her death. This debt was originally taken on by XXXX XXXX, but was discharged after I informed them of it's lack of validity. This debt was bulk bought, and has damaged my credit worthiness. It was a bulk acquisition evidentiary.
Product: Credit reporting or other personal consumer reports

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

Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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.
Product: Debt collection

THE THOMAS AGENCY INC 5XX XXXX JUST XX/XX/2015 {$470.00} {$470.00} XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with you.
Product: Credit card

On XX/XX/XXXX, I utilized three distinct Chase credit cards to make separate purchases, capitalizing on a promotion Chase was offering during the XXXX weekend. This promotion promised a XXXX % cash back incentive for transactions conducted directly on XXXX, with a stipulation that purchases needed to be completed by either XX/XX/XXXX or possibly XX/XX/XXXX though the exact date eludes my memory. What remains clear is that purchases had to be finalized by the specified due date to qualify for the XXXX  % cash back. I possess email receipts confirming all three transactions across the trio of Chase credit cards. 
However, due to disruptions in the supply chain, XXXX delayed shipping the items until mid-XXXX XXXX, at which point the transactions were posted on the credit cards. Upon contacting Chase to contest their decision, I pointed out that I possessed receipts for all three purchases made on XX/XX/XXXX, well within the expiration date of XX/XX/XXXX. Yet, they insisted on their inability to honor the promotion because the transactions appeared in XX/XX/XXXX. My contention is that Chase should have explicitly stated in their promotion that the seller 's charge must be posted before the expiration date for eligibility.
Product: Bank account or service

I have a bank account with Wells Fargo that I opened in Washington XXXX in XX/XX/XXXX. I have been more or less employed since then. I was working in XX/XX/XXXX and have not worked for the past three months. I ran into problems when my Washington State Unemployment ran out and I had to apply from XXXX. They made me wait three weeks for my {$270.00}. I ran into issues with Wells Fargo and overdraft fees when I discovered they would process payments ( ie from Pay Pal ) usually recurring payments when I did not have money in my account. I asked them several times to not pay out money I do n't have and do n't charge me for overdraft fees. They ignored me. Then I would argue with them. Then Wells Fargo decided they were not going to refund any more overdraft charges. Currently I am overdrawn with Wells Fargo for {$500.00} of which almost the entire amount is overdraft fees of {$35.00}. My initial arguement with them started when I asked them to make sure my water bill got paid, and what do you know they did n't pay the amount out and then I got hit with {$35.00} of overdraft fees plus {$30.00} from the water and sewer department. All without a single human hand touching the transaction. I have called Wells Fargo several times until I just lost it and told them XXXX themselves. Now I am on a permanent blacklist. I am so sick and tired of the blame the victims mentality which translates into bullying. {$500.00} from XXXX XXXX is nothing, {$500.00} on {$270.00} unemployment is astronomical. I have been offered a job but I have no idea when that will start so I am pretty much living on payday loans which needs to be another complaint. Its ridiculous to have to pay {$35.00} overdraft fee when this is all processed by computers. If there is anything XXXX XXXX XXXX XXXX has shown, it cost fractions of a cent to process anything by computer. I admit I should not have lost it with Wells Fargo but it was supremely satisfying to tell them off. And in a civilized country I should be able to yell at Wells Fargo.
Product: Credit reporting or other personal consumer reports

By letter dated XXXX Lexis Nexis indicated that they have verified a bankruptcy in my credit report as reporting accurately. They further confirmed that they did not get the information from the Bankruptcy Court but through a repository known as PACER. 

Additionally, Lexis Nexis has described the following : Lexis Nexis serves as a reseller of credit reports for XXXX, XXXXXXXX XXXX XXXX 
Lexis Nexis acts as Data Furnisher and reports bankruptcy to the creditor bureaus. 
Lexis Nexis initiates a dispute of bankruptcy record to the credit bureaus. 
XXXX XXXX XXXX XXXX then uses Lexis Nexis to verify information. 
Lexis Nexis verifies accuracy of information and resells credit reports. 

Verifying information as accurate presents a financial benefit to Lexis Nexis. Complete and Total CONFLICT of interest. 

Specifically, Lexis Nexis is reporting as accurate a case file number while simultaneously reporting, acting as a data furnisher, multiple different case file numbers between themselves and the credit bureaus. By letter dated XX/XX/scrub>XXXX it confirmed its accuracy. This represents clear and unmistakable error. Willful and negligent. 

They different case file numbers can not ALL be accurate. Lexis Nexis is relying on information from someone other than the source and the inaccurate information is causing financial harm. This is the second set of identified inaccuracies. By law, I am entitled to a complete and accurate consumer/credit report and Lexis Nexis is in violation of law.
Product: Mortgage

My Mortgage is with PHH as serviced and is owned by XXXX XXXX, even though I do not believe it is legally owned by them. Anyway with all the issues going on with Covid, I fell behind and my lenders were kind enough to give me a forebearance but they were legally suppose to because of monies they received from the government. They are not allowing me to get a deferment and have been denied that to put the past due at the end. They say the protection s will last untilXX/XX/2021 but I want this resolved now pls help us!!