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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear MRCHNT ACCPT I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that MRCHNT ACCPT has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for MRCHNT ACCPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that MRCHNT ACCPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 
I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that MRCHNT ACCPT will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Doneingoodfaith.
Product: Debt collection

I joined XXXX XXXX around mid XXXX. I enrolled in automatic payment but later realized it was not a rational idea for me at that moment. For the fact that, I was in school struggling to pay my school fees, I have a wife and a newly born kid. And I also worked two jobs. I was only able to maintain the membership for 3 months or thereabouts. Therefore, I called XXXX XXXX center to terminate my membership. I made the last payment, mailed their key back to them and terminated my membership. Since then, no contact or any form of affiliation between me and XXXX XXXX. Just last month XX/XX/XXXX. I checked my credit status and I realized my score was severely reduced. I saw an amount of {$950.00} with a name Kingston Data and credit on it. I XXXX  the company and I called them up. I was told by the agent who spoke with me that it was from XXXX XXXX that they were a collection agency. I called XXXX XXXX but I was told I had to pay that I was on a 2 years contract with them. Every explanation I was making was rejected. Now, the point is, when they knew I owe them, why didnt they reach out to me in XXXX, XXXX, XXXX until XXXX before they start rooting for what wasnt true. I am a faithful taxpayer, a hard working person, I never depend on the government to take care of me. If XXXX XXXX thinks the government is pumping money into the circulation that they want to tap from that, well, not from me. I dont mind going to court with them either. Kindly help see into this matter. Thanks!
Product: Student loan

Between XXXX XXXX XXXX ( XXXX ) and Navienet they failed to explain the terms and conditions of the loan. I have a XXXX and now am struggling to repay my loans and am getting no help from either XXXX or Navienet. I have been in deferred payment status several times as a result of my inability to maintain a job and they have never offered any assistance beyond deferring payments which simply increase the total cost of the loan.
Product: Payday loan

The charges went for {$160.00} to {$390.00} ... Keeps calling me at work when I told them to just call me on my cellphone. Rude on the phone. XXXX XXXX said I have never spoken to her before but I remember that she was the one that I set up payments with a couple weeks ago. They claimed that they didnt have my cell phone number but i knew that was impossible because XXXX XXXX called me and left a voicemail.
Product: Money transfer, virtual currency, or money service

Zelle failed to inform me ( the consumer ) I would not be able to recoup money sent to the wrong person during their launch in XXXX  ... THAT IS FRAUD!!!
Product: Credit card

To whom it may concern : I have a XXXX XXXX Chase Visa card that was subject to XXXX fraudulent charges reflecting purchase of XXXX plane tickets originating in XXXX, XXXX. I live in XXXX, Maryland and have never traveled to XXXX in my life. The company closed the card when I notified them, and reissued me a new card. However, this week they charged me again for the XXXX flights. None of the fraud agents are able to explain the charges, and I have gone up the chain of commands and can not reach a supervisor in the fraud department of Chase. One agent said that the charge is a readjustment, but I 'm not sure why I would have to be responsible for paying anything for flight I did not take. I 'm in no way accepting liability for an unknown individual from XXXX using my card, and will not allow such a transaction to be reflected on my record.
Product: Checking or savings account

My Chime account has been suspended for over a year. Ive sent them all of the inforXXXX theyve asked for except for an updated license which I told them I dont have because theyre suspended and I dont have money to get a state id which I told them as well I have money in the account that they will not release either. Ive contacted them MULTIPLE of times and they just keep resending the email of the information they need. Its like theyre not even reading it.
Product: Debt collection

Everest Receivable Services contacted me 2 weeks ago via telephone. The agent demanded I confirm my social security number and address. I asked for the company name and nature of the business. The agent refused to give me information and then threatened that a criminal complaint had been files and a warrant was issued for my arrest and that he had been retained to serve me with paperwork at my place of employment. I asked the agent to not contact me and that if the complaint is real to contact me in writing. Now agents have called me at work repeatedly and left messages threatening to contact my employer/payroll and they have contacted family members stating that have a criminal complaint against me and need to know my whereabouts and to ask me questions. My family members have asked for the calls to stop. Agents continue to contact them several times a day. Agents call my cell phone and work number repeatedly in 5 minute intervals.
Product: Credit reporting or other personal consumer reports

I noticed unfamiliar inquiries showing on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXXXX/XX/year>
Product: Debt or credit management

My son has an account in capital one bank. Someone used his debt card in XXXX We are in VA . I called capital one and got email fro them. But I want to report this and found out who it is. It's very scare. Please found it. 
Capital One XXXX XXXX, We've received your claim for your account ending in XXXX on XX/XX/2023 for {$75.00}. Your claim number is XXXX. Keep these details handy as we may follow up for additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, This has been a constant battle with all the different breaches going on with our personal information. I found out that my info was sold on the dark web and I have been fighting these for awhile. I have a bunch of inquires on my credit profile for credit that I did not apply for and I expect them to be removed immediately or I will be taking action with a lawsuit. These have all been done without my permission and fraudulently XXXX   Inquires not made by me. 

XXXX XXXX - XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 TRANSUNION Inquires not made by me. XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX/XXXX-XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 and XX/XX/2018 XXXX inquiries not made by me XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018
Product: Student loan

I checked my loan payment history and discovered that my interest paid each month varies significantly, sometimes as much as XXXX %. My principal is not going down as fast as it should. I am set up on an automatic payment plan so payment is made same time each month, no late fees.
Product: Mortgage

On XX/XX/year> My Wife and I spoke with XXXX XXXX XXXX from Nexa Mortgage about possibly starting the process of applying for a mortgage. After our conversation he assured me that he could get my Va home loan done. So at that point my wife and I proceeded with the process. We knew there were some credit challenges, but was assured they could be overcome with no problem. We were never told about the restrictions that the Va has when comes to credit. Based on his word and providing us with what can only be assumed as a false pre-approval we went under contract for a home and proceeded to pay {$17000.00} in earnest money in which we could not get back which was expressed to XXXX XXXX numerous times. He was also made aware that the builder wanted an conditional approval in a certain time frame. After the earnest money was paid XXXX XXXX started to talk about needing to get my credit score up in order to submit my application to get a product as he called it. That's when he started talking about paying for his credit repair. At that point in time I really didn't have a choice in the matter because I would have lose my earnest money and the house so I was in a hard position. So on XX/XX/year> I made a cashapp payment to XXXX XXXX in the amount of {$670.00} for credit repair which he called XXXX XXXX. After that he was hard to get a hold of most of the time. Then XXXX XXXX explained to me that we need to clean my wife 's credit up also. So on XX/XX/year> I sent XXXX XXXX {$670.00} for credit repair for my wife. Then on XX/XX/year> {$470.00} to XXXX XXXX for a XXXX  XXXX. I believe XXXX XXXX would have continued to scam me and also he has all my information and at this point I feel like he is free to do with it as he pleases. I am sure I'm not the first or the last that XXXX XXXX has done this to.
Product: Mortgage

Ocwen has made numerous errors while servicing my loan Ocwen included my wife who has never been a part of my loan. 
Ocwen out of the error proposed a loan modification and in doing so I made three trial payment of {$2500.00} each Total of {$7500.00} The loan went from Ocwen to PHH ; same lender PHH refunded {$1500.00} of the {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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
Product: Credit reporting or other personal consumer reports

This is my dirst endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$460.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$430.00} XX/XX/XXXX XXXX XXXX Balance : {$380.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XX/XX/XXXX XXXX  XXXX XXXX Balance : {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$630.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} {$440.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Debt collection

I get call all the time for a XXXX XXXX, I have told them that the number they have wrong and they are calling a business. I have received these message for years and asked them repeatedly not to call. They are Northwest Collectors @ XXXX.
Product: Credit reporting or other personal consumer reports

AFTER SUFFERING WITH THE TRAUMA XXXX XXXX  IVE BEEN GOING THROUGH HAS CAUSED ME. INCUDING THE SEVERE XXXX AND ONGOING XXXX, I AM NOW SEEKING SOLUTIONS TO GET MY LIFE BACK IN ORDER AFTER DEALING WITH BEING A VICTIM OF XXXX XXXX ( 605C )
Product: Credit reporting or other personal consumer reports

XXXX, as servicer for the Department of Education negligently and recklessly continue to violate my rights per the XXXX Privacy Act and 15 USC 1681b, which states in part that " written consent '' must be provided by the consumer for information to be reported on the credit report. Additionally, my credit report is " frozen '' and has been in such status since XXXX, across the following credit reporting agencies specifically on XXXX, TransUnion, XXXX, XXXX, XXXX, XXXXXXXX and XXXX  XXXX. Thus, no additional information should be reported on my credit report, nor student loan information should be reporting on my credit reports without my expressed written instructions or consent. I have the right to be forgotten under California Consumer law and under Federal precedent of the right to erasure. This is the fourth complaint that I have lodged regarding this issue and similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous accounts in my report. You must correct and update these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter dated XX/XX/XXXX last week from a collection agency called XXXX XXXX XXXX XXXX alleging that I owe XXXX XXXX XXXX  {$69.00}. I emailed them to dispute the debt and they mailed me their 'verification ' of the debt, this letter dated XX/XX/XXXX. The verification is the top page of what would have been a billing statement from XXXX, dated XX/XX/XXXX. 

My issues with this are as follows : As of XXXX, I had already paid my entire debt to XXXX. This was in fact a lengthy back and forth process as they tried for force me to pay to return my equipment despite being in the middle of a pandemic. Over my XXXX years with XXXX, I had numerous ( and documented ) incidents of XXXX throwing random, unexplainable charges to my bill and not being able to tell me what they were for. There was one incident where they charged me a fee, and one customer support agent told me it was for one thing, and another agent told me it was not at all for that reason, and no one could come to a consensus as to why I was ever charged said fee. 

I DO NOT owe XXXX  this money, and I attempted to at least get a copy of the statement they're claiming I owe money on from XXXX and they simply told me " This is with the agency now, you need to deal with them. '' Well, the agency only sent me a header page so I can not see an itemized breakdown of what XXXX alleges that I owe. 

Additionally, XXXX has broken the law by sending this alleged debt to collections. Not one time did I ever receive an attempt to collect it by XXXX. They claimed today via live chat that they 'sent multiple letters'- this is not the case. Not only did they not arrive to my current ( new ) address, but they did not arrive at my prior address either as they were neither forwarded nor did the new tenant contact me about any mail ( she has my contact information ). It is unlawful for XXXX to send a debt to collections without attempting to contact me first. 

This was, again, a pattern with XXXX during the time I was using their service. Several times, in fact, they would add some random charge to my bill, and when I reached out they would claim they " sent multiple letters '' that I never got. They lie. This should be a known fact to you at this point. They make up numbers and throw them at a wall to see if they will stick - and so far in my case, they've won every time. 

I absolutely refuse to allow XXXX to XXXX me into paying money that I simply do not owe them. I want this debt erased and I believe this company should be investigated at the federal level.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I went to the emergency room because my XXXX XXXX XXXX XXXX and I couldnt walk and was in terrible pain. I went to a hospital which was in network with my insurance. I paid my co-pay which was {$100.00} and then was treated and sent home. Several months later I received a bill for my visit for {$850.00}. I contacted the hospital and told them I already paid my co-pay for tue in network hospital. They said well the doctor who saw you was not in your network. I disputed this with XXXX XXXX because when you go Into the emergency room you are not at your best or thinking clearly. They had given me XXXX XXXX XXXX and I was out of it. I didnt know I should have ask that question if my doctor was also in network. They finally removed this bill from my account. A few months later I received a call from a collection agency. I disputed this and finally it was removed. Now 3 years later this new collection agency appeared on my credit report and now this looks like a brand new collection as of XX/XX/XXXX. I have disputed this with XXXX and it came back as verified. I believe that this is fraudulent and need to have this removed from my report. I have worked very hard on my credit for the last two years and now this dropped my score 11 points and causes me to not get my home equity loan.
Product: Debt collection

I have not received any written notification about this debt. I became aware of it after a negative reporting appeared on my credit report. The original creditor the debt is linked to never notified me of an unpaid balance. I actually formally closed the account with the creditor upon moving ( it was a utility bill ). The amount shown as unpaid was already paid to the original creditor years ago. XXXX has reported this debt as unpaid, then paid, and unpaid again - all incorrect.