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

They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ].

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX  consumer report on XXXX  without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). Chester v.

Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/XXXX to VERVENT/XXXX
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as it is obstructing my ability to obtain credit. This account is unfamiliar to me. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$400.00}
Product: Debt or credit management

Account still reporting as dept for debts already paid. After a request is sent with proof, it doesn't change. This has been going on for months.
Product: Debt collection

This is reporting on my credit bureau file with XXXX and I need it removed immediately. I do not have a contract with this company nor have I ever had a contract with this company. Under the FCRA this company has to validate ( provide proof of my contract with them to the credit bureaus ) which they have not complied with.
Product: Debt collection

My last payment on an old credit card issued by XXXX XXXX XXXX XXXX now US Bank and now sold as debt to XXXX XXXX, was in XX/XX/XXXX making this debt passed the 6 year statute of limitations for debt collection in the state of Oregon where the credit card agreement/contract was signed. However U.S, Bank claims my last payment of {$1900.00} was made on XX/XX/XXXX, more than 3+ years passed my real last payment. Even more confusing, the debt collection account at XXXX XXXX was started on XX/XX/XXXX,  according to XXXX and XXXX. This doe n't make any sense. I have my bank statement from XX/XX/XXXX-XX/XX/XXXX and it shows no payments or deductions for anything near that amount or any cash taken out that would cover a payment like that. I did not make this payment. I believe it to be a shadow payment put on the books by US Bank to illegally extend the time limitations for almost 4 extra years. I called U.S. Bank recovery department 4 times, they have my account information. They REFUSED to provide me with any details of my payment history to prove that the {$1900.00} payment was a sham. They went as far as telling me that they where in no way obligated to provide me any information on my account about payments because I was no longer a customer and because the debt was sold. Now XXXX XXXX is now both buyer and assignee, which is also illegal. This debt is way passed the real statute of limitations time limit and the collection company refuses to remove it from my credit and the bank refuses to give any payment information to validate the debt, which is also illegal.
Product: Credit reporting or other personal consumer reports

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

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 ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ) and XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer FICO credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.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 your reference. My credit report contains fraudulent ACCOUNTS 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 Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said there was a mix up of reporting on my report and updated an item that was over 7 years old. The update had changed the date to a current date which is incorrect. Experian would not get me over to a supervisor to get the issue resolved. There is no information on the collector and no way to get in touch with them in regards to this issue. Experian was the ones that mixed up my accounts and information and will not help to remove what is my legal right to have it removed.
Product: Debt collection

On XX/XX/XXXX I, XXXX XXXX went into my bank account with XXXX XXXX  and noticed heavy activity in two personal accounts of mine. Both personal accounts were depleted. In account ending in # XXXX they took out over {$1600.00} plus {$75.00} legal fees with now a minus {$800.00}. leaving it as {$2400.00} and in my other account ending in # XXXX they put a hold and minus on the account for {$2400.00}. 

I received a copy of the CFPB Law Suit with XXXX, Cooling & Winter and I have a judgement against me from Cooling & Winter filed @ the XXXX County Court house which in XXXX Cty which I know nothing about. I have called them and to no avail they have yet to give me anything other then harass me and hang up on me. 

I'm at a loss for words. I'm out money that was helping me live, I was paid by clients, and past income. No contact by the bank to tell me this was happening or that there was a judgement against me and now they have doubled what they say I owe them in the documents uploaded. 

I never knew anything about this. No one informed me about if there was a " debt '' and if I look up my credit report it clearly gives me a good standing credit rating of XXXX as of XX/XX/XXXX. I never received an email, a letter, nothing. 

I'm told after looking through paperwork and hearing from my Business Lawyer ( spoke to the firm just to ask what they thought ) that this stems from XX/XX/XXXX, 13 years ago. Isn't there a statute of limitations? In all the time I have lived in XXXX and here in XXXX County GA now I still don't know anything. 

I need your help because if this is all about Cooling & Winter and I'm a part of that without knowing anything more what's a girl do. I can't open another back account somewhere else until this matter is resolved. Please help me
Product: Credit reporting or other personal consumer reports

Spring Oaks Capital, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). Spring Oaks, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not Spring Oaks Capital LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a hard credit inquiry from Capital One, which appears on my XXXX credit report dated XX/XX/XXXX. The inquiry was not authorized by me and remains on my credit report despite attempts to resolve the issue directly with both Capital One and XXXX. 

Background : 1. XXXX Credit Report : My XXXX credit report, dated XX/XX/XXXX, lists a hard inquiry from Capital XXXX dated XX/XX/XXXX. 


2. Capital Ones Response : On XX/XX/XXXX, I received a response from Capital One regarding the inquiry. In their response, Capital One confirmed that they did not perform a hard inquiry on my credit file on XX/XX/XXXX, and verified with XXXX that no such inquiry exists. 


3. Ongoing Discrepancy : Despite Capital Ones confirmation that no inquiry was made, the inquiry remains visible on my credit report.
Product: Debt collection

I had a payday loan with a lender, XXXX. They are tribal entity. It was a {$200.00} loan. On 2 separate occasions ( 1 I recorded and will attach ), I asked XXXX XXXX to take out the full amount owed on my next pay date. They did not do so either time, only taking out a finance fee. I noticed they were doing this so that they can continue to take out only the finance fee well past the amount I actually owed. As a result, I contacted XXXX and told them I considered the account paid in full and I closed my checking account. 

Apparently, XXXX has now sent this account to collections, Allied Collection Services in XXXX XXXX. This company has submitted negative entries onto my credit reports stating I still owe XXXX XXXX and it 's absolutely not true. Not to mention the fact they are reporting a trade line for a TRIBAL payday loan, which is illegal. XXXX violates Louisiana 's usury rates for payday loans.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I delivered a notarized notice of revocation of any authorization ( s ) I have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( i ) allow the Landlord and/or Landlord 's agent XXXX disclose information about me, the resident, or my tenancy to credit reporting agencies including, but not limited to, the amount and timing of payments due pursuant to the lease including payment of monthly base rent, good behavior, problematic behavior, and any debt outstanding, which then may be used in a tenant record, credit report and/or credit score for the resident. ( ii ) any authorization given to the Landlord and/or Landlord 's agent to obtain resident 's consumer report, which Landlord may use if attempting to collect past due rent payments, late fees, or other charges from Resident, both during the term of the lease and thereafter. Under 15 U.S. Code 1681b- Permissible Purposes of consumer reports ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any of its non-affiliates ( XXXX, TransUnion XXXX XXXX XXXX do not have my consent or authorization to furnish a credit report without my consent. Any delinquent items reporting on my account shall be removed immediately. This includes all late payments in my consumer report under my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well as any outstanding balances. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report any unauthorized information about me to the credit bureaus, they will be doing so unlawfully and won't be in compliance with the Privacy Act of 1974. I have withdrawn all authorizations that I have given to the company to furnish and consumer report and this also applied to the credit reporting
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion through a certified mail on XX/XX/2021 to remove a name that is inaccurate. 

Also I received a report from Transunion and found inaccurate employers on my report which I have not heard from them. 

The employers names are as followed : XXXX XXXX XXXX The name I can not share here as it is personal information from me, but the sent a report back highlighted.
Product: Checking or savings account

Wednesday XX/XX/2024 I was applying for a loan for {$2000.00} was sent a text message from the " funding manager '' given a name and number and was told to call and start loan process When I was asked to verify my info through a link the scammer had access to my account and my daughters that I have joint acct with. The guy XXXX informed me that his company XXXX was out of texas and that they had taxes and that they were going to send me the money for taxes along with a barcode to scan at XXXX to basically transfer taxes back out so I wasn't paying the taxes they were. Then it would take XXXX minutes after doing it I'd have my XXXX in the acct. Well ... .he transferred money from my daughters acct to my acct and then took {$750.00} out my acct and {$950.00} out. The bank wells fargo never thought this was suspicious and done nothing no call or anything and then when I called to file a complaint and close my acct they looked into it and basically want to say I gave permission and it was all done by me or someone I have permission to and the bank is refusing to reimburse me and my daughter. I called police department to file a complaint as well. Basically saying I did not give permission to be hacked and scammed out of my money. Now wells fargo still refusing to reimburse.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received a text from Wells Fargo claiming a potential fraud activity was happening through XXXX. I would be contacted by Wells Fargo. I received a phone call from the Wells Fargo number. While on the phone they asked to verify my XXXX by transferring money to a suspervisor. 
They walked me through the steps as if they were actual well Fargo customer service.
Product: Money transfer, virtual currency, or money service

on XXXX XXXX, 2017 I issued a wire transfer of {$20000.00} to another member of my family who has an account in coinbase ( XXXX account ). The money was never received, nor was it returned.
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. 

I told Experian, XXXX, and XXXX to reinvestigate these inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX ; XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 believe that the information is inaccurate.
Product: Debt collection

XX/XX/2017 when i checked my email and logged onto my account with navient student loans it showed that i was behind at least one month. When i checked the payment history i was current with all monthly payments. Yet, i received an email saying i am behind on my payments and will be charged double. Also, my monthly payments increased from {$350.00} per month to {$530.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. On XX/XX/XXXX I was made aware that there were several accounts opened in my name fraudulently. XXXX XXXX for the amount of {XXXX} which according to Experian was opened on XX/XX/XXXX. Also, XXXX in the amount of {XXXX} which was opened on XX/XX/XXXX. These accounts are a direct result of Identity Theft from where my information was breached in both XXXX data breaches. I DID NOT OPEN THESE ACCOUNTS. I contacted the XXXX police department and filed an official police report. I also filed a report with the FTC. I disputed this information on my consumer credit report with Experian on XX/XX/XXXX and included all documents, police report, FTC report, blocking letter as well as identifying information such as my Social security card and drivers license. Experian specialists have ignored all documents provided and failed to block this information from my consumer report. The message stated on my dispute results are " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. However this account is listed and is reporting negatively which is hurting my credit and causing financial hardship. Experian is in direct violation of my rights under the fairs credit act 605b.
Product: Debt collection

Out of the blue I have received 4 letters in the mail with random amounts. I was never contacted by the company with a bill and the amounts have no explanation.
Product: Money transfer, virtual currency, or money service

Six {$100.00} gift cards to XXXX XXXX XXXX were purchased in 3 separate {$200.00} transactions fraudulently using our PayPal account. PayPal sent me a text On Monday XXXX XXXX we received a text message from PayPal indicating there was suspicious use of our PayPal account that day for a XXXX XXXX XXXX gift card for {$200.00} - they asked us to respond if this was an authorized transaction and asked for a reply. We replied No right away and PayPal replied back in a text that they would open a fraud case and follow up with us. On a follow up emai, they indicated in an email that they reviewed the claim and were denying it. The dispute case is XXXX, PayPal did not inform us of an additional 2 transactions with XXXX XXXX XXXX for {$200.00} each or we would have indicated those were unauthorized also. We also contracted XXXX XXXX XXXX on XXXX XXXX and they inundated they would attempt to close down the specific gift cards and we should be able to identify the PayPal transaction we think through our email address but ate not sure if that is occurring. XXXX XXXX XXXX INDUCATED THEY WERE HAVING MANY ISSUES WITH GIFT CARDS PURCHASED FRAUDULENTLY WITH PAYPAL ACCOUNTS.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, XXXX XXXX, JMCPB
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete this inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Friday morning I transferred money from my varo checking account to current checking account. From current checking account I sent money to my wife and paid XXXX bills. I had XXXX left in the bank. I got ready to get something to eat and my card declined. I checked my account and they had done put a restriction on it. I contacted them and they told me that they had sent me a email for some information to identify myself. I looked in the email and sent the information they requested. Friday afternoon around XXXX I received another email saying that they were closing my account due to unusual activity which there was none. I called back from my phone and they blocked my number. I've emailed them a few times and haven't received a response. I don't care about the account I just want my XXXX dollars that's in the account. They can have the XXXX cents. I want my money or I will be forced to take them to court if I have to.