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

This formal complaint is presented to address the unlawful use of credit reports by financial institutions and credit reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. Credit reports constitute private property owned solely by the individuals whose financial data they represent. The unauthorized dissemination and utilization of this information violate property rights protected by the U.S. Constitution and relevant statutory laws.

This document outlines specific legal violations, including the unauthorized dissemination of private financial data, the misuse of credit reports without consent, and violations of constitutional property rights. It provides supporting evidence and demands immediate corrective actions by the agencies addressed herein.

KEY POINTS OF CONCERN 1. Credit Reports are Private Property Legal Basis : The personal identity, financial agreements, and transaction histories contained within credit reports are private property as defined under Article IV, Section 3, Clause 2 of the U.S. Constitution.

The Supreme Courts decision in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), established that private property can not be taken or used without consent or just compensation. Statutes at Large, Vol. 48, p. 112, further reinforces protections against the unlawful use of private property. Violation : Credit reporting agencies and financial institutions have utilized and disseminated financial data without the explicit consent of the individual. This practice effectively appropriates private property for their gain. Examples : Incorrect information on credit reports, such as accounts that do not belong to the complainant, is reported without verification. Unauthorized inquiries from unknown sources are recorded without consent. 2. Unlawful Public Reporting Without Consent Legal Basis : Dissemination of financial information without the explicit consent of the individual is prohibited under statutory and constitutional protections. Statutes at Large, Vol. 74, p. 451, outlines prohibitions against unauthorized data sharing and privacy violations. Violation : The public and private sharing of personal financial information by credit reporting agencies without consent infringes on individuals right to privacy.

Examples : Incorrect personal information such as wrong dates of birth, addresses, or names is shared with third parties.

Improperly marked account statuses ( e.g., closed accounts shown as open ) cause harm to individuals ' reputations.

CERTIFICATION AND VERIFICATION I hereby certify that the information contained in this complaint is true and accurate to the best of their knowledge. This presentment is made under penalty of law and attested on this XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting

I moved in XX/XX/XXXX to a new house, and I went online and changed my address in all my credit cards, including " XXXX '' from XXXX XXXX. On XXXX XXXX, I used the card for {$24.00}. During XX/XX/XXXX and XX/XX/XXXX I tried to access my online account with no success, the website was under maintenance. Earlier this month they sent me a letter saying I was 60 days late in my payment. I called them right away and explained them what happened during the last 2 months. They admitted their mistake and waved the fee, I did a payment just for {$24.00}. At that point the website was still " under maintenance ''. After some hours on the phone they realized that I did n't have an " online account '' even when I do. They explained me that the new card with the chip is considered a new and different account, so I had to create a new online account for that, but they never sent me any information about it. Despite they assumed the responsibility, my score credit dropped more than XXXX points and I called XXXX XXXX again, they suggested me to file a claim in order to fix this derogatory mark. Before this incident I had a XXXX % in my payment history. This issue affect my wife because she was an authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter over to the bureaus certified that they must respond in 30 days according to the CRAct. They still and havent responded and its been over 35 days.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX Account number:XXXX XXXXXXXX XXXX XXXX Account number:XXXX 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish 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.

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 belive that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I put a credit report and seen a collection on my credit report. 
I send a certified letter to the collection company on XXXX XXXX stating. 
XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX Dear, Midland Credit Management I hereby dispute the Validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. 

Midland Credit Management and account Number XXXX amount {$8500.00} I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, and XXXX. You must cease Collection effort until this alleged debt and that it is accurate and complete. 

Sincerely, XXXX XXXX XXXX I was not able to find any debt on my credit report to XXXX XXXX for the amount of XXXX XXXXXXXXMidland credit Management did not send me a copy of the original purchase agreement.
Product: Debt collection

I received a notice of a law suit by a company called XXXX XXXX XXXX with the case name LVNV Funding .... 

I never had an account with LVNV, I don't owe this debt. The lawsuit says I owed a company called XXXX, I never had an account with XXXX either. 

Maybe this is for someone else, and they got me mixed up. 

I don't owe this debt. I want this lawsuit dropped and my name cleared.
Product: Money transfer, virtual currency, or money service

So i have accounts with these credit card companies and someone i know has been sending full balance payments on my payment dates with my minimum payment amount. I'm not sure this is the right department but the money did not pay the remainder of the bill. If it is possible to check emails that were confirmed with the payments and the transactions might of been going overseas so that they would stay under the radar. Since XXXX my account and credit score has been really fishy, with lenders and creditors denning me for absurd reasons. This might be because they have conflict of interest effecting there legal actions, So my creditors are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. i just wanted to say maybe you should look into this and the other companies because this country is going bankrupt and there doing a lot of illegal things to either cover up things or commit fraud under the radar. A lot of bribery from the people that hold American citizens SSN 's and there info in the year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX XXXX ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX  ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( a ) Reporting information with actual knowledge of errors 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: Bank account or service

On XXXX/XXXX/2015 at XXXX I withdrew {$240.00} out of my checking account. the AtM receipt said that I had {$1.00} available in my account the next morning at XXXX I recieved a email stating that my account was overdrawn on XXXX/XXXX/2015. I called the telephone banking center at around XXXX XXXX/XXXX/15 and spoke with a customer service rep. she could not give me a reason, as to why my bank account was overdrawn except that I had withdrew the money out. She told me to take my receipt when I had some time, into a branch so they could look over and explain what happen and reverse the fees. On XXXX/XXXX/2015 I stop in the branch close to my home. I explain to the teller what had happened and showed the the receipt to the teller, so the they could see the mistake was on their end and they need to reverse the fees. the teller told me she need to get an approval from a supervisor, she came back and introduce me to XXXX XXXX XXXX Branch Manager who look over my entire account and notice that PNC had to reverse fees in the past for mistakes on their end or just over charging in fees not more than a month prior XXXX for a overdraft of XXXX he then told me he was not going to reverse the fees because the system does n't always reflect the correct amount that 's in your account and that I should have keep a written log of my spending. I showed him the receipt again and ask " so I 'm not suppose to trust what your receipt printed out of your machine I should have kept better bookkeeping and this is my mistake ''? I asked for the printout and who was his supervisor he told me " no one could change his decision '', I replied " are you trying to be difficult, I just asked for your supervisor number ''. He then wrote on the back of his business card XXXX XXXX name and number I put my items back in my purse and left the branch without any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Mr. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX Hence, Experian again went silent.
Product: Checking or savings account

I opened a checking account online at Bank of America. I was charged a monthly fee that I was not aware of and no banker reached out to explain that the new account comes with a fee. 

I have also asked BOA to close this account a couple of months ago but the account is still open as of today
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my only two existing student loans, in the amounts of {$4000.00} and {$3500.00}, respectively. This amount was paid in full shortly after by credit card. I have the credit card number. The account was held by my mother, now deceased. 

However, the Department of Education and their collections agency, FH Canns & Associates are reporting that I owe {$26000.00}. The US Department of Education reports that they do show the consolidation and have further stated they can not confirm payment because the approved consolidation provider, XXXX was restructured while it held my loan. 

Please note that prior to today, I have never seen any reporting to the credit bureaus of this debt, nor have I ever received any collections contact. It is only upon qualifying for an FHA loan did this matter arise. This invalid, unconfirmed, inaccurate account balance is preventing my family and me from buying our first home. This is severely negatively impacting our future. This not to mention The agents on the phone from the Department of Education failed to disclose that XXXX was censured and " XXXX has been dealing with problems related to its handling of student loans as far back as 2012. Due to complaints about their handling of student loans, the Department of Education transferred many of their loans to other servicers. You see, the Department of Education owns the Direct Loans, so they can decide who your loan servicer will be and there are many others. Since XXXX was having so many problems, the Department of Education cut ties. '' I need this matter resolved ASAP and will exhaust every regulatory, consumer advocacy, and legal resource at my disposal to do so. I paid my loans and I paid every other of my bills without fail so I'd have good credit when I needed it. The Department of Education, XXXX, and FH Canns & Associates are directly liable for this damage to my family, myself, and our futures.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XXXX by XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request. This company was an unsolicited offer for soft inquiry offer via XXXX or Equifax.
Product: Credit reporting

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and AFNI INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX  ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$620.00} XXXX ( Original Creditor:XXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

XX/XX/XXXX - {$3.00} paper fee caused balance to go negative. 

XX/XX/XXXX - {$37.00} fee charged because of {$3.00} paper fee. Discussed over the phone that no more late fees would be charged as I transfer money to cover negative balance XX/XX/XXXX - additional {$37.00} fee charged because ACH transfer is not immediate, even after it was discussed the day prior that no more fees would be charged XX/XX/XXXX - banker noted a {$37.00} DAILY FEE will be applied due to negative balance, even though there is no way for me to expedite a money transfer
Product: Student loan

I attended XXXX in XXXX I was granted a full discharge for the federal loans, but they are not discharging my private loans In the amount of {$15000.00}. I have called and spoke to several people to explain that the school was closed for fraud I have a full discharge. They refused to discharge my private loans. I am a single mom forced to pay almost XXXX a month on these loans. Please help me get them discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX, FL XXXXMULTIFAMILY XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXSINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX  XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.