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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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 and XXXX 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 those customers nonpublic personal information. '' Possible Financial Inc. is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Possible Financial Inc. the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Possible Financial Inc. whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Possible Financial Inc. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

XXXX I tried to withdraw XXXX from my account and was held up to verify my funds Chase Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I phoned credit bureau to clarify an issue in my credit report first representative hung up on me right away representative # 2 insisted I just needed to just explain the adverse information was for one item not many and politely hung up credit bureau very unprofessional my creditor needs an accurate report from the credit bureau me informing the creditor is insufficient but at the same time why is my creditor giving me decreased credit limit and higher APR when the XXXX information was there when it approved me for the credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In the latter part of XXXX of 2018, I submitted a dispute to the 3 major credit reporting agencies regarding me being a victim of Identity Theft, this type of dispute is unique in nature as the FCRA sec 605b states that identified fraudulent items should blocked in 4 days. Not only did none of the agencies block the accounts, they didnt contact me with any updates either.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT is a collection agency seeking to collect a debt from an old phone account that my deceased XXXX had at XXXX. She passed away and I ended up getting a evicted from my apartment when I was XXXX XXXX XXXX and this phone account was in her name with me on it. They transferred me as the primary and have been trying to ruin my credit and collect the debt since my mother passed away in XXXX
Product: Debt collection

I was a customer with XXXX XXXX XXXX, and I was no longer a member when I cancelled my membership. A representative came and collected my modem and router equipment. The next month thereafter I was charged on a continuous basis until the debt that is not mine was placed in a collection in my name.Below I will place the main debtor XXXX XXXX XXXX XXXX XXXX  with the collection agency I.C. SYTEM, INC. I have a return summary from XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX XXXX : # XXXX # Account # : XXXX I.C. SYTEM, INCXXXX : # XXXX AMOUNT TOTAL : {$120.00} Returned Equipment # code : Returned equipment XXXX. 
XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian got a dispute from me around XX/XX/XXXX and have completely ignored my request to have the investigation done on the accounts i requested the info on.
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 Account : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE BANK USA with no successful resolution. CAPITAL ONE BANK USA O only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Nothing just want to paid for pain and suffering for being deceived of title loan and have this loan removed from my credit and my car title returned in my name please
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 XXXX Account Name : XXXX XXXX  XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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

I am disputing the accuracy of a debt being reported on my credit file by Equifax, associated with [ creditor name, XXXX XXXXXXXX XXXX XXXX. The account is inaccurate, and Equifax has failed to provide sufficient documentation to validate the debt.

I have requested proper validation under the Fair Credit Reporting Act ( FCRA ), including : 1. Documentation proving that I am legally responsible for this debt ( a signed agreement or contract ).

2. Detailed, itemized records of charges, payments, and balances.

3. Confirmation that the debt is valid and within the statute of limitations for collection and reporting.

Equifax responded by claiming that the debt was verified, but they have not provided any evidence or documentation from the original creditor to support their findings. Modifying fields like payment history and account status without adequate validation does not resolve my dispute.

Equifax responded by claiming that the debt was verified, but they have not provided any evidence or documentation from the original creditor to support their findings. Modifying fields like payment history and account status without adequate validation does not resolve my dispute. 
Additionally, I am aware that Equifax is currently involved in lawsuits regarding compliance with FCRA and mishandling consumer credit data. This raises serious concerns about whether my dispute was handled in accordance with federal laws and industry standards. 
This lack of proper validation has caused harm to my credit report and financial reputation.
Product: Checking or savings account

I am closing for my new house purchase on XX/XX/XXXX and I had initiated funds transfer from my Marcus savings account to my personal savings account on XX/XX/XXXX. The funds transfer has failed or reversed for 4 times between XX/XX/XXXX to XX/XX/XXXX. I called Marcus customer service to initiate the transfer and every time supervisor ensured that the hold on the account has been lifted and transfer should be successful. All 4 times the transfer gets canceled the same night around XXXXXXXX XXXX  by the Marcus fraud team and account is put on hold. This has been my WORST banking experience with any US bank. I urge Marcus customer service supervisor team leaders to look into this matter ASAP as I am closing for my first home purchase in less than a week and will fail to put the approved down payment for the mortgage.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReportingAct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : Transunion inquiries 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  did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian will not removed fraudulent inquiries. The inquiries needed to be removed are XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX 


These are fraudulent inquiries the companies refuse to remove
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and TransUnion for their failure to investigate and remove multiple unauthorized and inaccurate accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. For the past four months, I have repeatedly disputed these accounts, providing an FTC identity theft report, an affidavit of truth, and supporting documentation, yet the credit bureaus have failed to take appropriate corrective action or respond within the legally required timeframe. 

Disputed Accounts Violating FCRA Regulations : XXXX XXXX XXXX XXXXXXXX Added as an authorized user without my consent. 
XXXX XXXX XXXX debt buyer attempting to collect and report an account without proper validation, violating 15 U.S.C. 1681b ( permissible purpose ) and 15 U.S.C. 1681s-2 ( a ) ( furnishing accurate information ). 
XXXX XXXX XXXX ( XXXX ) Charge-off account with reporting inaccuracies and unlawful re-aging, violating XXXX5 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX Charge-off account that has been misreported and unlawfully extended beyond permissible reporting limits, violating 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$970.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$910.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ). 

Legal Violations & Consumer Rights Violations : Debt buyers like XXXX XXXX  and XXXX XXXX XXXX are not original creditors and, under 15 U.S.C. 1681b, they lack permissible purpose to report or collect on these accounts without proper validation. 

The charge-off accounts ( XXXX XXXX XXXX and XXXX XXXX ) have been unlawfully re-aged, violating 15 U.S.C. 1681c ( a ) ( 4 ), which limits charge-offs to seven years from the date of first delinquency ( DOFD ). 

XXXX5 U.S.C. 1681e ( b ) and 1681i require credit bureaus to maintain accurate reporting and promptly investigate disputesall three bureaus have failed to comply.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting inaccurate or unverifiable informationthese accounts remain despite my four months of disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AZ XXXX XXXX ( XXXX ) XXXXXXXX XXXX Re : XXXX FRAUD DISPUTES Identity Theft Resolution Professional XXXX EXT : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 I am writing to bring to your attention a matter of grave concern regarding the discriminatory practices I have experienced with XXXX XXXX XXXX XXXX , as well as the subsequent inaccuracies in reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to reasonable accommodations under the Americans with Disabilities Act ( ADA ) to ensure equal access to services provided by financial institutions. Despite multiple requests for accommodations, XXXX XXXX XXXX XXXX has failed to provide me with the necessary assistance, thereby violating Title III of the ADA. 

Specifically, XXXX XXXX XXXX XXXX has refused to allow me to make payments over the phone or in person at a branch, which are essential XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This refusal to accommodate my needs is not only discriminatory but also constitutes a violation of my civil rights under the ADA. Moreover, XXXX XXXX insistence on penalizing me for being unable to make payments through these inaccessible channels is further evidence of their discriminatory practices. 

In addition to the denial of accommodations, XXXX XXXX XXXX XXXX has also inaccurately reported my account status on my credit report. Despite the extenuating circumstances surrounding my inability to make payments, XXXX XXXX has failed to update my credit file accordingly, resulting in severe financial harm and further discrimination. 

Furthermore, XXXX XXXX failure to acknowledge and address these violations has forced me to seek assistance from Adult Protective Services due to ongoing victimization online, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

It is imperative that XXXX XXXX XXXX XXXX rectifies these egregious violations immediately by : Allowing me to make payments over the phone or in person at a branch without penalty. 
Updating my credit report to accurately reflect the circumstances surrounding my inability to make payments. 
Providing compensation for the financial harm incurred as a result of their discriminatory practices and inaccurate reporting. 
Failure to take appropriate action to remedy these violations will leave me with no choice but to pursue legal action. I am prepared to seek remedies under Title III of the ADA, as well as any other applicable laws, to ensure that justice is served. 

I have also copied the Consumer Financial Protection Bureau for their attention to this matter. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

XXXX XXXX [ Enclosures : Documentation of XXXX, previous communication with XXXX XXXX, relevant legal citations ]
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX I made payments on two different medical collection items., {$540.00} and {$640.00}, held by the collection agency Wakefield and Associates . These items were a result of claim disputes with a medical insurance company.The claims were finally settled/ paid and the items were paid directly to Wakefield with the understanding the items would be eliminated from all three credit reporting agencies. To date Wakefield has refused demands to eliminate the derogatory information from my credit. Wakefield is violating the law under FCRA XX/XX/XXXX. 
I want Wakefield to eliminate any information at credit agencies on these items.
Product: Debt collection

On XXXX XXXX, 2021 I was alerted by XXXX that IC Systems Inc reported a collections account XXXX for {$350.00}. This is not my account and IC Systems Inc has never contacted me about this fraudulent account. I am a victim of identity theft. IC Systems Inc has had this account since XXXX 2021 and has never contacted me about account. Their tactics clearly violates my consumer rights to contest this fraudulent account.
Product: Debt collection

I called Sequium Assets and spoke to them about resolving the {$59.00} balance owed to I believe XXXX XXXX which Sequium Assets claimed was {$140.00}. I told them I would call the cable company and pay them and after account has been paid I want this removed off of my credit report. They assured me they would remove it, 2 months later it's still on my report showing unpaid. When I call they assure me they will remove it but they don't. I'm trying to finance a vehicle and I need this off
Product: Money transfer, virtual currency, or money service

I was the victim of a scam through my PayPal account. Scammers gained access to my account fraudulently and requested a payment for {$500.00}. As I researched the request a pop-up box came up in the PayPal application telling me to call a phone number to fix the issue. When I called the number, the individual stated that he was a paypal representative. He had access to my information and told me that they needed to secure my account and took me to several protocols, resulting in forcing me to perform a " dummy '' funds transfer from my checking account in order to fix the issue in my PayPal account. I believed that the person was an employee of PayPal because all correspondence came through the PayPal application and not a secondary entity or application, like email. I later found out that it was the scammer I was communicating with and the " prorocols '' he took mt through caused me to lose {$720.00}. When I later contacted PayPal, I was informed by a representative that they were aware that accounts had been compromised, yet I never received a notification to that effect. If a company knows that their customers ' accounts have been compromised they should do their due diligence and let the customers know. PayPal has informed me that since the funds did not come from my account with them that there is nothing they can do to make me whole. However, this scam is directly linked to their inability to secure their platform and they should be assisting affected customers in obtaining the funds that were lost.