23daVinci/CFPB_Complaints huggingface dataset:
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. 

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, 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hello.I found Unauthorized fraudulent inquiries on my credit profile.Please help me to remove those unauthorized inquiries from my credit report. 
XXXX XXXX na XXXX.2024 XXXX XXXX na XXXX.2024
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX, NY 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. 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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX  or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Verizon credit card from Synchrony bank a few weeks ago. The company pulled my credit from two bureaus and the company admitted they never pulled XX/XX/XXXX and to submit proof so theyd have it removed. A person called XXXX XXXX from Synchrony Bank told me to contact her at XXXX extension XXXX. Ive been calling that person for a week and she never answers or returns my calls. Effectively not fixing their mistake and not contacting me or caring in any way. 

If youre reading this XXXX XXXX, call me and provide direct contact information to submit a credit report showing your company indeed DID pull my XX/XX/XXXX. Ive left you multiple voice messages. It seems your company only cares when people file complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX and may have got into the hands of the wrong person.
Product: Debt collection

The lender sold the dip to a collector. It appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the credit bureaus on several occasions About the accounts on my credit report. They have few refused to do a thorough investigation Which now I believe they have automated the entire process. 

I am asked for proof That the claim has been verified but I have not received a response and it is been 60 days. That counts that appear on my credit report have not been investigated and I simply asked for an investigation according to the FCR a standards. 

By law they have no right to report on my credit report without a legal investigation they must delete these accounts.
Product: Credit card

On XX/XX/2024 capital one closed my account saying I violated the customer agreement which the violation wasnt in the agreement and now they want to have me pay the balance and ruined My credit report and credit score
Product: Debt collection

The Collector Failed To Validate Debt Which is a violation under Fair Debt Collection Practices Act ( FDCPA ) Dispute was Submitted on XX/XX/2023 File number XXXX Estimated completion date XX/XX/2023 ITEM IN DISPUTE : CREDIT MANAGEMENT LP DISPUTE REASON : Accuracy There were fraudulent charges made on this account. 
The " Account in Dispute '' remark is missing or incorrect. 
CONTACT INFORMATION CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

Subject : Request for Assistance in Recovering Unauthorized Funds Dear Team, I am reaching out for your assistance in recovering funds that were transferred without my authorization, which I believe are linked to two fraudulent activities. If you are unable to reverse the transactions and recover the funds, I request that you take appropriate actions against the involved Zelle users, including disabling and terminating their accounts. 

Should recovery of the funds be possible, please send a check to my address : XXXX XXXX XXXX, XXXX, PA XXXX ( Attn : XXXX XXXX ). 

Additionally, I kindly ask that you investigate the accounts of the users involved and take necessary actions based on your findings. I have included relevant screenshots below that provide detailed information regarding the payment transactions for your reference. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Product: Debt collection

Ive never had any relationship with Midland Funding LLC collection agency or original creditor. Since 2012, they have been harassing me for a debt that I do not owe them. Now 11 years later, theyre trying to garnish my paycheck for {$2700.00}, therefore causing hardships for me and my family. Theyre ruining my reputation by sending a writ of garnishment notice to my job. Theyre causing some serious problems in my life. I am tired of them bullying me by threatening to take my hard-earned money and ruining my credit. Theyre stressing me out. Eleven years of being harassed by them is way too long and according to Maryland State law this is illegal. Furthermore, even if I did owe this debt to the original creditor the statute of limitations on collecting a debt would have expired. Midland Funding LLC, INC collection agency needs to leave me, my family and my job alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to request a free annual credit report from each of the three companies separately after recieving what may have been an email phish to check them. Each stopped in the process. I tried Annualcreditreport.com and it stopped in the process citing something invalid.
Product: Credit reporting or other personal consumer reports

I am reporting a fraudulent inquiries found in my credit report Expeian 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Again Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681 i never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report.

Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ).

Regarding this matter if Equifax continues to violate my rights please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract where as i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges inspection if this matter escalate to trail to contest these matters. 


XXXXDEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX ATTACHED- FCRA With section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies ( XXXX ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX refuses to remove this incorrect information from my social security number because that name is not my name. I have tried to do this 3 times already. I have sent a color copy of my social security number, my driver 's license, and a copy of my passport. It refuses to correct my name. Everything that is incorrect under my social security number is because it is selling false information about me. It knows full well what the law says in these types of cases. I warn you that I will take a court order for you to be prepared to present all the evidence you have and all the evidence that I have sent to them. Thank you. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Credit reporting or other personal consumer reports

I have requested three or more times now that all negative accounts on my credit reports be investigated as they are not familiar, and my XXXX loan should have XXXX balance after XXXX plus years of payments so past the statute to collect on them after this amount of time per law the balance left is to be canceled and I also have XXXX years of eligible employment for the XXXX from XXXX XXXX XXXXXXXX XXXX State of IL XXXX and Dept of the Treasury IRS. Yet Experian just keeps getting the dispute and just turning around and not investigating and a day later sending me the same information, THIS IS ILLEGAL!!! ENFORCE THE FDCPA AND FCRA LAWS!!! I have provided a copy of my student data file for XXXX, these loans did NOT restart when the government changed loan servicers, but they started way back in 1993 and were consolidated by the government twice!!! It is THEIR JOB to have all of this information and not MINE to provide it to them!! Yet I still provided it!!! I want this complaint shared with the IL ATTORNEY GENERAL AND I WANT ALL CORRECTED AND REMOVED NOW!! AND DO NOT CLOSE ANY COMPLAINT AGAINST THEM ALL UNTIL ALL IS CORRECT AND FINE THEM DAILY UNTIL THEY DO CORRECT ALL!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with Zelle. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This financial institution has violated 15 U.S Code 1681s-2 - responsibilities of furnishers of information to consumer reporting agencies.

( A ) reporting information with actual knowledge of errors.

( B ) reporting information after notice and confirmation of errors.

furthermore, pursuant 15 USC 6802 ( b ) this financial intitution withheld and denied me by with holding my discloures and allowing me to OPT-OUT of haveing my information being shared.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my consumer reports. I have made multiple attempts to handle this matter amicably. The following accounts need to be removed as Experian has failed to follow the FCRA regarding them : XXXX XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX XXXX XXXX # : XXXX
Product: Checking or savings account

Hi, I tried to go open bank accoubt at few dofferent places and everywhere i go, they say ive negative account from somewhere and o cant open new bank account. I need to rectify this and report identity theft of misuse bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is inaccurate, I have no knowledge of this And they wont remove it from my Equfax account my other accounts dont have this false information
Product: Credit reporting, credit repair services, or other personal consumer reports

I now have 2 separate loans from the company Affirm reporting on my XXXX credit report that I did not open. My identity has been stolen, and I am seeking to recover my credit worthiness. Both loans where never reported to my credit report until XX/XX/XXXX, and only display 30 and 60 day late payments. No other payment history is refected and the loans appear to have been open in the year XXXX and XXXX.
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 Account NumberXXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number:XXXX  and list of Inquiries 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 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 XXXX 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Ive had Zelle with multiple bank regarding issues with each. I was using Zelle around those time where I had received a transaction I didnt receive or sent out. Theres were multiple red flags and I just want it to be care for the people that been using it. Theres multiple times I been charge through ZELLE for payment I didnt make.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. And this is my official notice about the crime. Debt transactions were created in my name without my knowledge or consent. I do not know any information about the suspect. All I know is that these fraudulent transactions were allowed to be reported by XXXX XXXX, XXXX, and Equifax, which leads to several violations under the FCRA. Including but not limited to compliance procedures, written consent from me, and a " reasonable '' investigation of information before being reported. I am seeking justice to have the fraudulent account information permanently blocked, removed, and deleted from my credit report and file. Please see attached notice.
Product: Mortgage

Freedom was to send money from my escrow to my new insurance company. The insurance sent a bill at the beginning of XXXX. I followed up at the end of XXXX and they hadnt sent the money which they promised to do. I followed up again today and still no payment. I also sent the refund from my old insurance and in the memo on the check said it was for escrow. They put it towards the principal. I called and asked them to fix it. They said they would. They only put {$140.00} of {$4500.00} in the escrow. I called again today. They again said they will. They are terrible. I want resolution of my problems without having to call them 5 times.
Product: Debt collection

I sent an email to them XX/XX/XXXX advising i no longer authorize withdrawl from my checking account. On XX/XX/XXXX I recieved an email they acknowledged my request. On XX/XX/XXXX i recieved a text mesage saying to prevent {$310.00} from processing to call them, when i called the lady I spoke with XXXX advised they can debit my account whenever they want and it didnt matter I withdrew authorization. I explained to her this was violation of fdcpa and she said it was not and they will draft I explained to her again i revoked authorization. she then said if they dont draftt the third party company they use will draft the amounts.
Product: Debt collection

Upon reviewing my latest credit report, I found multiple accounts that appear to be inaccurate and were added without my consent.
Product: Money transfer, virtual currency, or money service

PayPal lies all the time. PayPal never returned my call. PayPal option " Have us call you '' is not working. PayPal lies and sas " limited employees due to virus '', but upon exhausting all option they state " No '' employees " no '' customer service '' " customer service is closed '' due to vrus.

PayPal Inc. refuses to let me have my {$500.00}. PayPal refuses to contact me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX IS CURRENTLY AFFECTING MY CREDIT FILE NEGATIVELY. I HAVE NO INTERNATIONAL MARITIME CONTRACT WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT EVER AUTHORIZED NOR GAVE PERMISSION TO XXXX XXXX XXXX  TO REPORT ANYTHING ON MY CREDIT FILE. ANY IMPLIED AUTHORIZATION AND/OR PERMISSION GIVEN WETHER WRITTEN, UNWRITTEN, VERBAL, AND/OR NON VERBAL IS EXPRESSLY REVOKED. ALL THE ABOVE IS TRUTH UNDER PENALTIES OF PERJURY. 

XXXX XXXX XXXX BENEFICIARY AUTHORIZED REPRESENTATIVE