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

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" 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. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit card

I consistently make timely payments, of which I am certain. However, I am unsure why this company reports me as late in certain months, which should not happen. As per USC 1666b, any billing errors must be rectified, or they will be liable to pay me {$1000.00} for each account inaccurately reported.
Product: Student loan

Hello. I am concerned about the recent allegations against Navient and would like my student loans to be verified. My monthly payments are increasing and Navient has not been very accommodating with a repayment plan. Unfortunately, with the income base repayment plan, Navient does not take into consideration other financial responsibilities of the borrower. I have explained and provided evidence that I am the only employed adult in my household with the responsibility of paying all household bills and daycare for my XXXX children. My husband is unemployed. I can not afford a monthly payment of over {$1000.00} a month in student loans alone. In the case that they can not be verified I would like to request that the loans be removed from my credit. Thank you.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting any information in my credit file that resulted from an alleged identity theft. 
This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, or may rescind any block. Of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) The information was blocked in error or a block was requested by the consumer in error : ( B ) The information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block or, ( C ) The consumer obtained possession of goods, services, or money as result of the blocked transaction or transactions. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative items were removed off my account. 
XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$2000.00} Credit agency XXXX removed all items after an investigation. By law XXXX has an obligation to report removal of items to the other credit agencies. This agency 's investigation was incomplete and resulted in no findings or backup to said items on my credit report. I need all items removed immediately.
Product: Checking or savings account

On XX/XX/year>, I opened a Premier Account with Wells Fargo Bank in response to a promotional offer. The terms of the offer required me to deposit {$250000.00} within 45 days and maintain the balance for 90 days to qualify for a {$2500.00} bonus. I complied with these requirements by depositing {$250000.00} into my Wells Fargo accounts on the same day of opening, with {$200000.00} allocated to a Treasure Bill Account and {$50000.00} to a Certificate of Deposit ( CD ) Account. 
Despite fulfilling the conditions of the promotional offer, I was informed on XX/XX/year>, that my accounts were at risk of closure due to an issue with a check deposited from a credit union. Following the advice of my bank manager, I obtained a check deposit verification from the XXXX XXXX XXXX XXXX XXXX  on XX/XX/year>, to prevent the closure of my Premier Account. However, to my dismay, Wells Fargo closed my Premier Account on XX/XX/year>, citing the initial check deposit as a non-sufficient funds ( NSF ) check. 
Subsequent inquiries to Wells Fargo customer service failed to provide a satisfactory explanation for the closure of my Premier Account while my CD and Treasure Bill Accounts remain active with the full {$250000.00} intact. This inconsistency has caused confusion and distress, as I am left without access to my funds and deprived of the {$2500.00} bonus to which I am entitled. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene on my behalf to ensure a fair resolution. Specifically, I seek clarification on the closure of my Premier Account, reinstatement of the account with full access to funds, and fulfillment of the promotional bonus offer as originally advertised. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

These ccounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to Transunion Credit Bureau but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you. Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Mortgage

I had paid off a loan on XX/XX/XXXX with a certified bank check. The bank check had a balance of {$18000.00} after the loan was paid, and this balance was to be returned to me after the check cleared. I received a letter from the bank on XX/XX/XXXX stating the loan was cleared, and a manager told me the check " was being cut '' and would be mailed out to me.I never received the check. I contacted the bank to inquire about the check on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - and each time I was given a different story as to when the check was mailed. It has been over ( 4 ) weeks, and I still haven't been given a clear explanation as to where my refund is. I feel the employees are being less than honest as to the status of my refund.
Product: Debt collection

I tried three times to fix this with this company. I had tried to dispute Trident asset management even through the credit bureaus. It comes back every single time as verified. I never received any information on how this could be verified as I have never had an account with XXXX XXXX XXXX. I asked if they could please send me a signed application which showed that this was taken out. I never get anything. This has been on my credit report since 2019 and its not fair that they dont verify and can still keep the on my credit report. If they are collecting for XXXX XXXX, they should have information. I was a victim of identity theft in 2019 and it may stem from this while I rented my home out. They were notified of this also.
Product: Debt collection

These people called me on XX/XX/XXXX about to advise me about an overdue medical debt. I had been making monthly payments to the original creditor since I first received a statement from the original creditor. I had no idea that they turned my balance over to a debt collector. It was not an overdue balance. Also, I never received a letter from the debt collector before they called me. On XX/XX/XXXX, I received a letter from Vengroff Williams, the debt collector. The letter was dated the same day that they called me. I am under the impression that debt collectors are not to contact you by phone until they've given you time to receive a letter ( at least 14 days ). However, since this was not an overdue bill, I called the original creditor to settle it. This was a bill from XXXX that I was not billed for until XXXX. They told me that due to XXXX, they were behind on all of their billing. I called Vengroff Williams today to verify my XXXX balance, and the lady I spoke with ( XXXX ), hung up on me.
Product: Vehicle loan or lease

On XX/XX/2019, I went into a Chase branch to close a checking account and change the source account of my Chase auto loan automatic payments to a non-Chase account since I am attempting to close the Chase checking account currently linked to my auto loan payments. I was informed that I am unable to make this change in person and that I must fax in a form that can allegedly be found online. Additionally, I was told I should wait to change this information until after my next scheduled payment had been processed. 

On XX/XX/2019, I called Chase customer service for assistance since attempts to access the online form resulted in errors. During this call, I was passed to 3 different representatives, each time being instructed to go to their website to download the same form that resulted in error messages. Finally, the last person I spoke with was able to explain that my loan was associated with something called XXXX. They informed me that as XX/XX/2019, Chase is no longer associated with XXXX and that due to this, I am unable to simply update the account that I would like to pay my auto loan through and would need to apply for a new loan with Chase in order to pay from a different account. I was finally told that I would be sent the form to change the account for the automatic payments and I should receive the form in about 7 business days. 

On XX/XX/2019 I received a letter in the mail from Chase stating " We have enclosed an Automatic Change Agreement for you to complete. '' Unfortunately, there was no form enclosed. I called their Customer Service again on XX/XX/2019 at XXXX XXXX CST to speak to someone about this issue. Once again, I was informed that there is nothing they can do to update my source of payment. After being on the phone for 20 minutes with this representative, I was transferred to a manager who told me they would actually send the form this time. 

Please note, that nearly a month later as of XX/XX/2019 I have yet to be able to cancel my checking account with Chase. Furthermore, as of XX/XX/2019 I will be assessed a {$12.00} service fee for an account I have been trying to close for over a month. 

Forcing me to apply for a new loan and negatively impact my credit just to be able to pay my current loan from a different non-Chase account feels extremely unfair and I feel as though Chase is intentionally delaying my ability to change the source of my payments in order to get more fees from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent a letter to the creditors asking to remove these Late Payments they have not abiaded by what i have requested they also Violated my Consumer Law they didnt give me the option to Opt-Out according to this information reporting to a Third party. 

So the Following Accounts Have Violated my rights Law states that its Ilegal to Report Late Payments on a Consumer XXXX Report. These are the Following Accounts : Credtiors Name : Acct Number : Dates : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX Dates Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 USC 1666b : Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Product: Checking or savings account

XXXX XXXX  Tried Open Account Would Not Let Me Told Me To Contact XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX  Told Me To Contact XXXX As Well XXXX Open My Account Date : XX/XX/XXXX Citizens opened account captured account told me they were parting their relationship with me Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE ENTRY. 
IT IS A COMPLAINT FOLLOWING UP THE MANNER THEY ARE CURRENTLY HANDLING A SITUATION ABOUT THEIR CONTINUED LACK OF ACTION AND ITS EFFECTS. 
I am writing this letter as a response to the documents I am attaching as a formal complaint regarding Equifax Credit LLC and their REPEATED ignoring my requests to block a legitimate case of fraud and identity theft. 
Equifax, as I have complained about before, continues to send canned cut and paste responses from numerous employees that simply ignore my issues, and sidestep dealing with the victimization properly. When I have spoken to agents in person, they unanimously agree the items should be blocked and agree that the responses are not valid, and that the XXXX report that they have been provided with DOZENS of times is a proper law enforcement agency as they serve this role in the State of Pennsylvania for cases involving the vulnerable population. 
However, Equifax continues to send contradictory and often unclear responses. 
Equifax recently changed my report to show a XXXX XXXX account, which is clearly part of this widespread fraud documented by law enforcement, to show comments on it that are deragotory in nature. The account is not mine, and I did not open it myself. 
As a result, it lowered my score substantially again and moved me into the poor category. I was then denied housing as I do not mee the minimum score. 
I am currently homeless, and fleeing a XXXX  XXXX situation. The law enforcement report also notes that my XXXX  son was XXXX abused by a woman in the home and this is obviously making it impossible for me to care for him and his special needs. We are both part of the vulnerable adult/child population so these errors affect us exponentially. 
There are multiple items on the report that Equifax refuses to remove and address, and multiple inquiries that lower my score ( or would make it harder to find a home/credit ) that they refuse to remove despite it being fraud. It is not simply a record of actual inquiries as they say they are a record of fraud that impacts me due to their negligence. 
Equifax needs to block the items immediately, and simply stating that the vendor responded and verified this information belongs to you and is up to date does not address the fact that it is fraud and my name could have been made by the person ( s ) who victimized me as evidenced in the law enforcement report naming me as a victim in their possession. 
I am attaching, again all the information ( not listed above already ) to this document and adding multiple items that show I am a victim and have been attempting to address this for months if not years. 
Documents attached contain EVERY PIECE OF INFORMATION THIS AGENCY HAS ASKED FOR often MULTIPLE TIMES. 
I DO NOT think the agency is bothering to look at the documents now or in the past to identify this. 
These are the items in question, however there continues to be others as the agencies when they realize it is legitimate fraud simply resell it to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED WITH FTC, SENT INFO TO AL 3 BUREAUS,,, AND CONNS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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, 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 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'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.