23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There are several inquiries on my credit report that I did not authorize. These are ALL A RESULT OF COMPAINES FRUDENTLY OBTAING MY CREDIT REPORT INFORMAITON AND EQUIFAX GIVING THEM MY INFORMAITON. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. Equifax has also failed to investigate these fraud inquires on my credit report and has kept sending me their standard generic letter about inquires. How about they actually read and do something other than spitting out there generic letters. This is a violation of my FCRA rights and is hurting me financially now. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX Bank - Date of inquiry XXXX/XXXX/XXXX. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX. XXXX XXXX Bank - Date of inquiry XX/XX/XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX GA - Date of inquiry XX/XX/XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX Date of inquiry - XX/XX/XXXX XXXX date of inquiry - XX/XX/XXXX. XXXX XXXX date of inquiry - XX/XX/XXXX. XXXX XXXX date of inquiry XX/XX/XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
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 : 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

CONTRACT CALLERS, INC has sent forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. CONTACT CALLERS, INC is violating my rights to privacy as a consumer.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ATTN : American Express XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC/ CFPB Dear Sir/Madam, I am writing to express my deep concern regarding the recent actions taken by American Express concerning my credit card account. As a consumer, I believe that my rights under the federal Equal Credit Opportunity Act have been violated.After my credit card application was approved and I had already made purchases totaling {$6900.00}, I was surprised to find that my account was frozen and that I was being asked to provide income verification. While I understand the importance of financial responsibility and transparency, I believe that freezing my account after approval and requiring me to disclose sensitive financial information such as my bank account balance goes against the principles outlined in the Equal Credit Opportunity Act.I am offended by the implication that my ability to manage credit is contingent upon disclosing personal financial details beyond what is necessary for the application process. Requiring me to call my bank and verify my account 's ending balance is not only an invasion of privacy but also a violation of my federally protected consumer rights.I kindly request that American Express rectify this situation promptly. Failure to do so may compel me to escalate this matter to the Consumer Financial Protection Bureau and the Securities and Exchange Commission. I trust that American Express will take the necessary steps to resolve this issue and uphold its commitment to fair and equitable treatment of all its customers.Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. Lastly I would like to advise that I have sent a notarized copy of this letter to the above address as I am also requesting a response to this notice in writing. Thankyou Sincerely, XXXX XXXX Kind Regards,
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX  are reporting false information. 

The accounts that are open by FRAUD a XXXX  XXXX XXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX XXXX   XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on XXXX XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE XXXX XXXX XXXX  XXXX with a XXXX balance.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The information on my Experian report showcasing XXXX XXXX and XXXX being sold as an account I contacted the information in which the credit card was sold and was told that the information on my credit should not be shown as the company has not been reporting this fraudulent account on my credit. It stated that they are not able to report those type of information on my credit. 

Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report. And they have to do it for free. 

The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as Experian, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information. 

If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. Nonetheless, some companies have argued that if they are unable to determine that the disputed information is false, they are free to tell the consumer reporting company to continue providing the information on reports. 

This account should be deleted off of my Experian Credit account immediately. Thank you in advance, I look forward to this account being deleted and not reported on my credit report I spoke to this agency on XX/XX/2024 at XXXX and was told this account should not be reported on my account by the debt collection agency XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XX/XX/2020 $ XXXX This debt was a result of fraud that I paid. I do not owe this debt and has been paid.
Product: Credit reporting or other personal consumer reports

I am having some employment issues with my lexis nexis report. I am requesting a full clue report from lexis nexis from my entire file. I am including a copy of my drivers license and social securitu number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. I had previously lost my job of employment. I opted into my credit protection plan that I pay for monthly with my XXXX XXXX Credit Card Account. I have had many complications with the company in the past. However, I do strive to have a good business relationship with them, and to keep my account in good standing. Some miscommunication occurred recently on both my accounts. I was informed that I was mailed out forms to fill in regards of my loss of employment. I'm not sure what the letter stated as I never did receive the letter in my mailbox at the address, I have on my credit profile. After I did not receive the letter XXXX XXXX Credit Card went on to report delinquency on both my credit card accounts. After I have been enrolled in credit protection on both my accounts for only XXXX to XXXX days. I do not understand why they needed the same information I had just provided to them again in such short period of time. Due to me not receiving the letters sent in reference to my credit profile my XXXX XXXX dropped XXXX plus points and is now in the red on both my credit card accounts. This has also affected my other credit card account with their carelessness. My Macy 's credit card is one of my best credit card accounts that help boost my credit score and keep my credit healthy. This account has been compromised due to XXXX XXXX carelessness on both my credit card accounts. Due to XXXX XXXX negligence my XXXX 's account was compromised after being in good standing for years. My credit limit was dropped due to the information XXXX XXXX Credit Card company reported inaccurately. I am having to work now to try and get my account at XXXX 's back to the way it was at first before the neglect XXXX XXXX has acted on in regard to my credit report accounts.
Product: Checking or savings account

I have Wells Fargo Business checking account. 
They have placed limits on my online transfers ( transfer out to external accounts ) ... which is greatly impacting my business. 
I have been trying hard to convince them to increase my limit but getting the usual excuse making response from Wells regarding this. 

My money is stuck with Wells Fargo business checking account.
Product: Checking or savings account

I opened a new 12-month CD account with XXXX ( Sterling National Bank ) and funded the account on XX/XX/2019. 

They emailed me saying the funds would be in my account latest by XX/XX/2019. 

I called them this morning, and on the phone they told me it takes 3-5 business days to fund the account. However, the funds ( {$25000.00} ) are missing and XXXX is unable to trace them.
Product: Debt collection

I was notified by XXXX XXXX XXXX about paying my debt or get sued. I received a subpoena for court and the account was completely paid in full and closed on XX/XX/XXXX. XXXX XXXX XXXX updated the credit bureaus that I owed $ XXXX and that the account was not paid in full, they have yet to report this to the credit bureau either. Also, Citi bank sold the debt and were paid for it yet they would not remove this debt from my report either. My concerns are that after disputing this account of XXXX XXXX XXXX my credit score dropped over 50 points, and All I was disputing was the fact that they had not shown the account was paid in full to the credit bureaus. As of now I have two negatives on my report from XXXX XXXX saying I owe $ XXXX and one saying I owe $ XXXX, my one account with them has been paid in full and closed.
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. 
XXXX  Account # 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 a account without my written instructions 1. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX Bank XXXX XXXX XXXX. XXXX XXXX Bank XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection account as closed. This CRA continues to validate and allow this company to report this on my report. It is even showing past due. This account is inactive and closed and should be removed from my report. The CRAs and XXXX  are violating the FCRA. Ive submitted an account summary with my disputes and each CRA  is apparently using an e-Oscar system which is not correct. 

XXXX cant even validate the account. The attached letter shows they cant validate the account. I mailed the letter below on XX/XX/XXXX and emailed it on XX/XX/XXXX and I received the attached letter a few days later. 

To Whom It May Concern : I am XXXX XXXX and Im writing regarding the above referenced accounts and transactions. 

This vehicle was repossessed by XX/XX/XXXX GeorgiaXX/XX/XXXXon or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. The first date of delinquency was XX/XX/XXXX. 

Under the laws of the State of Georgia Respective rights of buyer, seller, etc., following repossession of motor vehicle sold under a retail installment contract are covered under Georgia Law, specifically Code Section 10-1-36 of the Official Code of Georgia. UCC 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This was originally mailed on XX/XX/XXXX and I havent heard back from you. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.
Product: Checking or savings account

On XX/XX/XXXX, I used XXXX to transfer {$1100.00} in CAPITALONE Internet Banking. At that time, I found that there was no way to receive the account in real time, because my transaction needs to be received in real time, so I cancelled it at that time, and the website showed that the cancellation was successful! And Capitalone Bank transferred my money out for {$1100.00} on XX/XX/XXXX, it was not my operation. When I found out, I called Capitalone Bank. The person who answered the phone helped me inquire and told me the result : said it was capitalone. The error of the banking system, the error of the bank, said that it would pay me the {$1100.00}, and also said that the {$1100.00} would be credited to my account within 10-45 days. It has been 3 months since I havent seen any money, but the result is the second time., The third time I called Capitalone, the bank relied on the account and did not pay the money!
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX shared my account infomation without my consent to all three credit bureaus.
Product: Checking or savings account

Cant open any bank accounts do to XXXX XXXX XXXX. There was a credit card opened in my name Years ago in Wells Fargo. Cant dispute it. Need help opening an account.
Product: Debt collection

On XX/XX/2019 a certified letter was sent to Calvary. I resquested calvary to validate the debt and provide me with info on how they claim I owe {$3700.00} how they came up with the obsurd amoun and to do not contact other than to validate the debt.. Not only was the debt not properly validated Calvary kept contacting me.
Product: Money transfer, virtual currency, or money service

I am having an issue with paypal that is blocking my money and closing my account for no reason. They don't even want to let me access my money until 6 months. I had no warning nothing! They just limited it all the time and block my money which is around now {$10.00}. I want my money now not in 6 months!
Product: Mortgage

Nationstar Mortgage, XXXX XXXX XXXX XXXX TX XXXX XXXX This month, XXXX 2016 this company started requiring social security number to be entered when logging in to make online payments. THIS IS A POTENTIAL PERSONAL SECURITY/IDENTITY THEFT ISSUE. Security questions and XXXXPoint authentication, etc. is intended for this purpose and that Security Questions are available on their web site. Please note that when I tried to change my password and security question answers earlier this year the web site crashed and would not allow these changes. I contacted them several times and was able to change the password once but never the security question answers. It appears that the programmers for Nationstar lack the extensive knowledge to build a secure site. I contacted customer service at the number above and got the standard excuses as to why they must have the SSN and that the web site could not be changed back. Again the demand for the SSN at login is a demand implemented within the past 30 days and so it can be changed.
Product: Student loan

I have been making payments on time for over six years and my balance on all my loans is higher than the original principal balance from 2008. I am requesting a freeze be placed on my account and payment schedule until a full forensic review of my account can be conducted. In this same time period I had a student loan being serviced by XXXX and that loan is now paid off and the account is closed. I have significant concerns about the book keeping of Navient and I need an explanation of how my balance can be higher than when the account originated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX  and XXXX/XXXX
Product: Money transfer, virtual currency, or money service

Paypal emailed me today XX/XX/2023 at around XXXX Eastern time telling me that some sort of balance was going to be transferred to XXXX and did not specify any additional details on how to reach out to this organization or on how to even discuss the alleged " amount '' that was owed. After speaking to an agent there was an unidentified {$30.00} balance on the account and Paypal has not sent any mailed communication or phone call to me notifying me that any amount was owed or where the charge even originated from. I have called Paypal many times before trying to rectify with them why I could never access my account though they never answered in a timely fashion every time I called.
Product: Credit reporting

Experian has somehow included the credit reports of my brother. He has a mortgage, XXXX auto loans, credit cards, that are affecting my credit. Basically anything associated with my brother and his wife should not be on my report. His whole credit report has somehow merged with mine and almost prevented me from getting a mortgage on our dream home. XXXX and XXXX are not reporting these. There are discrepancies everywhere on the report that are so blatantly obvious. XXXX look at the credit report from someone at Experian should be able to correct these issues. But now I am going to have to spend countless hours disputing every account. The dispute was made recently last XXXX when we took out a mortgage. Now I am going to submit it again because nothing has changed and I am obviously frustrated and angry that something like this could happen.
Product: Credit reporting or other personal consumer reports

What happened? 
I am filing this complaint because my credit report contains collections and addresses that do not belong to me. These inaccuracies are negatively affecting my credit score and financial standing. I have not authorized these collections, nor have I ever resided at the listed addresses. Additionally, XXXX of the companies, XXXX XXXX XXXX, continues to report unauthorized collections on my credit report. 

Specific Details : Unauthorized Collections : XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/year> XXXX XXXX XXXX Reported : XX/XX/year> Incorrect Addresses ( Unmailable Addresses ) : 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  Actions Taken : I have contacted the credit reporting agencies to dispute these inaccuracies, but the issues have not been resolved. 
I have also reached out to the collection agencies and provided evidence that these accounts and addresses do not belong to me, but the collections and addresses remain on my report. 
Relevant USC Codes : 15 U.S. Code 1681b - Permissible purposes of consumer reports.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance.

15 U.S. Code 1681o - Civil liability for negligent noncompliance.