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

XXXX XXXX  {$19000.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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 number XXXX 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 602A respect for the consumers right to privacy. 
15 USC 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 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

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with Section 602 of the Fair Credit Reporting Act, 15 USC 1681, it is imperative to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. Notably, Equifax and XXXX serve as consumer reporting agencies, and I, as the consumer, possess the right to safeguard my private information. This right is substantiated by Section 6801 of 15 USC, which articulates the congressional policy that financial institutions must continually respect customer privacy and safeguard the security and confidentiality of their nonpublic personal information. Importantly, entities referred to as " Furnishers of information to credit agencies '' fall under the definition of financial institutions within this framework.

Section 604a, subsection 2, of 15 USC 1681 establishes that a consumer reporting agency may furnish a consumer report only under specific circumstances, chiefly when acting in accordance with the written instructions of the concerned consumer. Regrettably, neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have obtained my written consent to disseminate this information. Indeed, they lack any form of my consent for such actions. 
I hereby revoke any and all permissions, whether implied, verbal, non-verbal, written, or otherwise, for Equifax, XXXX, and any entity classified as a " Furnisher of information to credit agencies '' to share my information. Section 6802 ( b ) ( c ) of 15 USC stipulates that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with an explanation of how to exercise the nondisclosure option. Regrettably, " Furnisher of information to credit agencies '' never informed me of my right to exercise this nondisclosure option.

Furthermore, Section 1681C ( a ) ( 5 ) of 15 USC clearly specifies that a consumer reporting agency may not include certain adverse information in a consumer report unless authorized under subsection ( b ). This account, which is being reported without my consent, qualifies as an adverse item and is therefore in violation of the law.

Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) asserts that it is impermissible to provide inaccurate consumer information to a consumer reporting agency when one knows or has reasonable cause to believe it to be inaccurate. Meanwhile, Section 1681e mandates every consumer reporting agency to uphold reasonable procedures designed to prevent violations of Section 1681c and restrict the provision of consumer reports solely for the purposes outlined in Section 1681b. Equifax and XXXX appear to be falling short in adhering to these reasonable procedures. 
Furthermore, as per 12 CFR 1016.7, a consumer maintains the right to opt out at any time. In light of these circumstances, I am hereby opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Per XXXX I obtained a secured loan in XX/XX/year> for over {$2900.00}. I did not apply for this credit. I never received a call or a letter from this company. I called the information provided on my credit report and the company American First Finance LLC 1 they have no knowledge. This is the 2nd time I filed a complaint. The company requested information from me that they should have if I was extended credit or if I obtained a loan with them. Please have this company provide a TIL statement and a promissory note.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Notice of Intent to File a Lawsuit Dear TransUnion, This letter serves as notice of my intent to file a lawsuit against you if I do not receive payment of {$10000.00} within 14 days to the above address for the multiple violations of my consumer rights and the immediately removal of the identity theft, inaccuracies, and fraudulent information your are reporting on my consumer report. 

Here is a statement of my case that I intend to submit to the court : The Defendant has violated my consumer rights of 15 U.S. Code 1681c2 by steady reporting fraudulent information on my consumer report after being supplied with my FTC report almost two years ago. They are also violating 15 U.S. Code 1681 by reporting inaccurate information on my consumer report when I have stressed to them multiple times to remove the inaccuracies or to show proof that this information was verified, and to show proof that they have my written permission to report this information on my consumer report. This situation has been going on since XX/XX/XXXX. The Defendant has reported on my consumer report that there is a Bankruptcy that has been reported when I have proof that the XXXX Bankruptcy court do not report to the Defendant and the Defendant was also asked to verify how this information was verified on my consumer report and to also provide proof that they had my written permission to report this on my consumer report. The Defendant failed to provide such information. Not to mention I have multiple inquiries listed on my consumer report that was never authorized by me. Those inquiries are listed as : XXXX XXXX XXXX listed on XX/XX/XXXX, XXXX XXXXXXXX XXXX listed on XX/XX/XXXX, XXXX listed on XX/XX/XXXX, XXXX XXXX listed on XXXX XXXX, XXXX, and XXXX listed XXXX XX/XX/XXXX. Accounts that have not been authorized and legally verified are XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX why this is listed twice is disturbing and unauthorized, XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX & XXXX account XXXX XXXX XXXX and XXXX XXXX XXXX account XXXX XXXX XXXX. These are all considered identity theft and fraudulently reporting according to the law and need to be removed immediately. 

Sincerely, XXXX XXXX
Product: Mortgage

As has been my unfortunate experience with Wells Fargo, that they have behaved corruptly towards managing my VA loan and In the past I have filed many complaints in regards to their criminal type behavior. Further the Bank has a rating of " F '' from the XXXX  and over 4000 complaints in the last 3 years which makes the questions of honesty and trust difficult at best. Perhaps this is an honest mistake on their behalf but here is the latest issue I'm having with Wells Fargo : In Mid XX/XX/XXXX I received an escrow analysis from Wells, which clearly states an estimated shortage amount of {$820.00}, to which if I sent in a check for that amount, my payments for the month of XX/XX/XXXX would be {$910.00}. 
That sounded reasonable to me, but I haven't had much experience with Wells Fargo and reasonableness. So I did. I sent in payments of {$820.00} and {$910.00}. 
So, for the Month of XX/XX/XXXX I sent WF two separate payments, Both before the " late payment '' date, which is after the XX/XX/XXXX of every month. 
Attached you will find the escrow analysis, and Bank references to both the escrow shortage payment {$820.00} and payment for the new amount {$910.00}. in option 2 of the escrow analysis.

Yet despite these payments Wells is sending me a confused monthly statement which does not apply the money to their respective coffers, ( escrow, and monthly mortgage ), and then goes further to send a mortgage bill for the upcoming month of XXXX for the amount of {$970.00} as if they did not receive the shortage payment and are deferring to option 1. The correct billing amount for XXXX should be {$910.00} I've been down this road more than once with Wells. where I show them that I have paid any shortage then they take many months to resolve and very simple issue, than should take a matter of minutes to verify that the fund were received and adjust the billing accordantly. 

How hard is that? It took me minutes to log into my bank and verify the funds. I expect the same from Wells, not some long drawn out mess of confusion that I have experienced from them in the past.

I simply ask that Wells acknowledge they have received payment both for the month of XXXX and the escrow shortage payment for the month of XX/XX/XXXX and correct the XXXX mortgage payment amount to reflect the {$910.00} referenced in option 2 To confirm payments and make the Mortgage payment correction should be a matter of minutes, not months. 

Please find the attached payments and escrow shortage analysis.
Product: Debt collection

On XX/XX/18, I received a summons from the county sheriff regarding a debt that is over 10 years old which has not appeared on my credit report to have a judgement filed against me. The company is Crown Asset Management and I have never received any notification from them regarding any debts owed until today. When I attempted to contact them several times I was unable to find someone who could give me any information and was threatened with a garnishment which the summons also states. They are being represented by XXXX XXXX  XXXX law firm out of XXXX Ga according to the document and are trying to collect on a debt which is outside it stature of limitations as the debt is over 10 years old and i dont recall owing this. They have not provided any information such as the original contract with the original creditor or the account number for me to research. The company refuses to validate the debt and/or follow the law regarding the statute of limitations
Product: Debt collection

Sent several letters to verify debt in XX/XX/year> & XX/XX/year> to confirm debt owed to company sending invoices to collect XXXX. Company repeatedly sent letters from the company they purchased my information from. I do not have a contract with Portfolio Recovery Associates , LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

As submitted in a previous complaint- I am forwarding again documents from the National Student Loan Data System that proves yet ANOTHER error on behalf of XXXX XXXX . As you will clearly see- all 7 accounts are listed as : 1. PAID AS AGREED 2. ON FORBEARANCE DURING THE PERIOD XXXX LISTS AS LATE FROM XX/XX/XXXX to XX/XX/XXXX. And 3. THE ACCOUNTS WERE CLOSED AFTER BEING PAID IN FULL BY A CONSOLIDATION LOAN IN XX/XX/XXXX AND XXXX REPORTS ACCOUNT INFO UNTIL XX/XX/XXXX!!!! Now how can that be if the accounts were paid and CLOSED? The accounts were actually taken over by a different servicer through the Department of Education. This why the NSLDS can provide details about the payment information on my Federal student loans. Number 3 above is just the latest discrepancy that I can prove on my report. XXXX is wrong on so many levels. I want these accounts REMOVED! I have been denied loans several times as a result of XXXX failure to comply with section 623 of the FCRA. Information has not been update nor corrected and now I can prove it is down right erroneous because the historical data fir these accounts on my credit report extends PAST the date the accounts were open!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2019 ) I discovered ( XXXX ) had been re-inserted into my credit file from EXPERIAN INFORMATION SOLUTIONS, INC after being removed off my credit report. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.
Product: Mortgage

Unfortunately, your response dated XX/XX/XXXX still does not answer my requests. You suggest that I provide you with a bank statement around the dates of the deposits sent to me yet then suggest filing a police report. Why should I send you a copy of my bank statement if you are not going to use that information in any way? Would you be filing the police report or an insurance claim for funds that werent deposited into my account? 
Are you legally allowed to ignore your customers? The very same reason that XXXX provided extremely poor service and caused my account to become theoretically behind is the same reason that you continue to charge late fees due to your refusal to confirm and accept their negligence in properly addressing my concerns. For reference, my attempts to contact your Ombudsman by email twice at XXXX but have not received any response ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have gone without response as of todays date ( XX/XX/XXXX ). 
In short, I 100 % paid the loan amount in full from the dates shown in the attachment with knowledge that no escrow increase was needed in XXXX ( since I paid the full tax bill directly to the county ). This is proven by the theoretical refund that was sent to me as a result of me paying the taxes directly to the county. Will you consider treating your customer with the due diligence and respect to understand that the information provided is accurate and true? Funds on every month in that transaction history came from my account. Do you understand why I feel that I should not pay you a double payment or payments beyond what has been paid? Regardless of your inaccurate and complicated transaction histories provided back to me are you willing to look at the big picture? 
It's sad that you refuse to give me a call and to go through this on a cordial phone call such that it can be resolved. It baffles me how you are legally allowed to treat customers in this way and still maintain a business license in any state. 
Note that XXXX payment was posted on XX/XX/XXXX per the following transaction confirmation : I have been contesting the errors on my account for some time now yet you continue to charge late fees in the interim without a final conclusion to my inquiries. I request that you sustain charging late fees until this issue is resovled. 
Hopefully you or someone at your company will look into this situation and give it the attention that it deserves. There is no reason that I should pay a corporation such as yourself ( especially after the poor service provided thus far ) DOUBLE payment on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to buy a home. After revieving my credit report i see incorrect information that is being listed. The incorrect accounts listed are damaging my financial profile. I havent sent in multiple dispute letters in. The dates that the letters were sent were XX/XX/2021 an XX/XX/2021 to have the account investigated. The amount awed on the account was {$3100.00}. Account a high credit limit way over that amount, and does not add up. 

This account also looks like it would be out of the STATUTE OF LIMITATIONS. This account says that last activity date was XXXX.l. I have not received any investigation results in the mail. Please assit with getting this account removed from my credit report and investigated imediatley.
Product: Prepaid card

My situation is solely related to the XXXX XXXX Rush Card glitch. For almost a week now I have either not been able to access my account and or funds I have loaded funds to my account that have not posted to my account there has been funds taken out of my account without my permission for almost three days my balance said zero when I definitely had sufficient funds I have sent several emails tweets called several time only to be disconnected if this was any other prepaid card without a celebrity at its head this would be considered fraud.
Product: Debt collection

NATIONWIDE RECOVERY SY ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$340.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Debt collection

The company listed below states that they are a creditor and that I owe them {$3500.00} for one account and {$2900.00} for a second account and this is reported on all three credit reports. I submitted a dispute with XXXX regarding this matter and the company in question has not returned an answer for my dispute. I never received any written documentation or have been notified by any means regarding this debt that the company claim I owe. I do not have knowledge of this debt and the company has yet to prove that I owe it and have reported this collection debt to all the credit bureaus and state that I owe {$6400.00} in collections on my reports. This is false and they can not prove it and have not yet answered my dispute. This is illegal and do not meet FCRA requirements. The company states the account was opened in XX/XX/2018. 

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXXXXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Unauthorized inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I made a mobile deposit into my checking Account at USAA, after the deposit was made they placed a 3 day hold on my deposit and on the XXXX the fraud department released my funds and the account was back to normal. on Monday they froze my account again starting that the check is getting returned. how ever I spoke to the other bank and they advised me that check was cleared on the XXXX of XXXX. USAA is refusing to release my funds or to activate my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously Disputed 6 inquiries on my EQUIFAX Consumer Files. 1 they seemed to have removed. 2 I called XXXX to have removed. 3 still remain even after multiple faxes, letters and Identity theft verification for Deletion. 

They are in violation of 18 USC 1028a 1681n 1601 1681b2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding continuous harassment from XXXX XXXX Acct. XXXX, demanding payment for debts I neither recognize nor authorized. I have no knowledge of this account. 

On XXXX XXXX I filed a report with the Federal Trade Commission ( FTC ) under 16 CFR Part 660, specifically 16 CFR 660.2 ( Identity Theft Reporting ), regarding these unauthorized accounts and the misuse of my personal information.

These creditors are contacting me concerning accounts I did not open and are sharing my personal information without my consent, in violation of my rights. This constitutes persistent harassment, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d ( Harassment or abuse ).

Furthermore, one of the three major credit bureau Equifax is refusing to investigate and dispute these inaccuracies, a direct contradiction of their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ).

Under the FDCPA, specifically the provision prohibiting debt collectors from engaging in any conduct that harasses, oppresses, or abuses individuals in connection with debt collection ( 15 U.S.C. 1692d ), these actions are a clear violation of my rights.

Furthermore, pursuant to 18 U.S.C. 1028 ( Fraud and related activity in connection with identification documents and information ), I do not owe any debt to these companies. They are also violating my right to privacy under 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ), as they have no permissible purpose to report or share any information regarding me.

I demand an immediate investigation into these matters and request that these unauthorized accounts be removed from my credit reports and that the harassment cease immediately.

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

I have been trying to get information from this company about the unknow account, I sent to the Credit Bureaus and to this company Certified mail, the unknow collection company account is listed below. 
XXXX and XXXX XXXX the full account is listed at Trans Union Both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX