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

Notice to principal is notice to agent notice to agent is notice to principal I am writing to express my serious concerns regarding a matter that pertains to my right to privacy and the violation of my consent in the context of a consumer report. 

As an individual who values their privacy, I am deeply troubled by the recent events that have come to my attention. I have discovered that a consumer report containing my personal information has been generated without my explicit consent. This is a clear violation of my rights as outlined under the mentioned legal statutes. 

According to 15 USC 1681a ( b ) ( 2 ) ( i ), consumer reporting agencies are required to exclude certain accounts from a consumer report when those accounts arose from transactions and experiences involving my credit card. This exclusion is essential to protect the privacy and rights of individuals like me. However, I have observed that accounts stemming from my credit card transactions which congress defines a credit card as 15 USC 1602 ( L ). These transactions and experiences have not been excluded from the consumer report, as mandated by law. 

Furthermore, it has come to my attention that your organization claims to have a permissible purpose to furnish information about me, as allowed by 15 USC 1681b ( a ) ( 2 ) However, I want to emphasize that I have never provided written consent for your company or any affiliated entities to furnish, collect, or disseminate any information about me. This lack of explicit consent raises serious questions about the legality of the consumer report in question. 

I kindly request that you promptly investigate this matter. I also request that all accounts that arose from a consumer credit transaction which was done by my credit card as defined by congress 15USC 1602 ( L ) should be excluded according to 15 USC 1681a ( b ) ( 2 ) ( i ) will be removed from the report immediately. Please provide a written statement on why my consent was not obtained before generating a consumer report on my behalf It is my sincere hope that we can resolve this issue amicably and ensure that my rights are upheld in accordance with the law. Please respond to this letter within 15 days with your findings and proposed actions to rectify this situation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Credit card or prepaid card

Account with ashley home stores, through synchrony bank.
I pay over half of my minimum payment bi-weekly. some months this pays three times a month. but this ensures at least two payments are made in between due dates, however due to a billing cycle error where the due date is 8 days before the billing cycle ends, some of my payments are applied to previous statements instead of the current billing cycle. this results in a late fee and interest charged on my deferred interest account.
On my may statement three payments were made, the last of which was on   XXXX   XXXX  , one day before the billing cycle ends, because of the bi-weekly pay schedule only one payment was made between   XXXX   XXXX   and   XXXX   XXXX   the next due date. Synchrony bank is not allowing a full month between billing cycle and due date to apply payments. this allows customers a pay window of 20-23 days to make the payment, previous applied payments after the due date, but before the end of the billing cycle do not apply to the next due date.
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report that does not belong to me. I filed my complaint with FTC and a police report. I would like the information removed from my credit report. 


Equifax Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE XXXX XXXX HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$88.00}, XXXX {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Method of verification from original creditor and credit reporting agencies. They failed to send back documentation within 30 days. The only thing I received was letters from creditors and all three bureaus saying the debt was verified. These are not accurate accounts and need to be deleted from my credit files as they are being reported inaccurately and violate the FCRA as well as my consumer rights due to defamation. I also sent documentation to support I was a victim of ID theft and was a part of several data breaches and hacks exposing my social and personal info that was used by an unauthorized person to open accounts in my name an FTC report was filed recently to verify this info.
Product: Debt collection

I want Conns Appliances INC, EIN XXXX, to remove charge off from all 3 of my consumer credit reports or I will seek monetary damages as a federally protected consumer. This is a debt that is not mine, that Ive been trying for years to get removed.
Product: Credit reporting or other personal consumer reports

All three credit bureaus are reporting false debt on my credit report without my consent! I have settled debt and still have this negative report, causing me to not be able to extend my credit.
Product: Debt collection

Certified letter sent to LVNV funding on XX/XX/XXXX to validate debt. They were given 30 days to respond. They responded back with account information and an account statement from the original creditor. They failed to provide all information that was requested and required to validate this debt. 

On XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX, who is affiliated with LVNV funding stating they are now collecting the debt on behalf of LVNV Funding! 
This is ludicrous and in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting

On XXXX XXXX, 2016, I checked my credit report, all of my inquires were deleted from my credit report. I logged in today and there back on there. As a result my score went down.
Product: Credit card or prepaid card

Charges started XXXX, XXXX. 
Three fraudulent charges reported via telephone multiple times and multiple emails. 
I talk to a fraud dept., nothing is done. 
I called the merchants, fishy, no charges to me. (???? ) I reported this. 
I found out today that a loan with them was denied, I did not apply. This is identity theft. 
I found the account, the card is active, I did not activate a new card. 
These people seem to be scammers themselves.I locked this account again. 
Please investigate them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase of XXXX equipment and used Affrim 's payment plan. The Affirm company deducted payments from my account in the agreed amount. The Affirm company collected the agreed balance. Despite me paying the amount in full on Auto draft, the Affirm company still reported negative report on my account.
Product: Credit reporting or other personal consumer reports

debt collector is in violation of fdcpa. They are reporting this allege debt on my credit report. I never gave them consent to report this allege debt. in addition, they have unauthorized access to my private personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, XXXX and Transunion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and Transunion have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX credit file. 
XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Product: Credit card

Received a letter via XXXX from Bank of America, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, dated XX/XX/year> regarding suspicious activity on my account ending in XXXX. I call the phone number on the letter as follow XXXX and spoke to XXXX at Bank of America in XXXX who didn`t know the original name of Bank of America or the state where the Bank of America started business. I knew it was a scam, so I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent letters requesting that all the inaccurate addresses, phone numbers and names be removed from my credit file, i also sent proof of my address and the name by sending a recent utility bill, a copy of my drivers license with my address on it and a copy of my social security card. 
Experian DID NOT remove any of the inaccuracies from my credit report nor did they respond to my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was paid {$2500.00} to my XXXX XXXX  account, which by default was set to send to my debit card within 24 hours. The money never arrived. First, I reached out to the sender to confirm the money was withdrawn from his bank account and sent, which he confirmed the money successfully withdrew on XX/XX/XXXX. 

Then, even without $ deposited in my bank, XXXX XXXX transaction status listed " completed ''. So I called Chase who maintains they DECLINED the transaction due to an address discrepancy, which has since been fixed. Yet XXXX maintains that even though Chase declined it, they held the money and Chase provided XXXX with bank transaction # XXXX. 

Over the next 10 days was a back and forth between XXXX XXXX  and Chase Bank customer service, where my money still has not come. Chase maintains they have no way to track back transaction # XXXX ( which is hard to believe ) and still insists they don't have my money. While XXXX insists that they do. 

Bottom line, I need my money ASAP, and this process has only been more infuriating that Chase has horrible phone support and no online support. And XXXX has no phone support and only online. So I can't even get the parties on the phone together! 

Please help me resolve this.
Product: Credit reporting or other personal consumer reports

One main financial is reporting different open dates across the 3 credit bureaus for a secured loan in the amount of {$10000.00}. They also have different high credit limits on the account with the 3 different credit bureaus with 2 in the amount of {$24000.00}. They have charged the account off as a profit loss to their company but have failed to send me a 1099C.
Product: Mortgage

We suffered a severe hardship in XXXX when my husband was put in the hospital XXXX..We have been applied for XXXX Loan modifications since then and was denied because I had in XXXX 2013..I was told I had to wait until XXXX to apply and I completed the package with all documents needed and today they said I was denied claiming it was not 24 months when I actually started the modification in XX/XX/XXXX 2013 with the trial period and the Permanent Modification was approved in XX/XX/XXXX.2013..Please help me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was out of the country and provided proof to CAPITAL ONE with my US PASSPORT and stamps in my passport showing my departure date from the US and return date. During this time frame, my personal information was used to obtain credit and I was never aware of it, until I looked at my credit report. I then filed a FTC report, and CAPITAL one is still saying they found no fraud, HOW IS THAT POSSIBLE when I was out of the country? They can not substantiate any documents or proof?
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, consumer, and natural living person submitting this complaint there is not third party involved. Experian is reporting inaccurate information on my consumers report and I demand that it be moved immediately.
Product: Checking or savings account

MY ACCOUNT WAS CLOSED WITHOUT EXPLANATION AND I ALSO PAID UNLIMITED AMOUNTS OF OVERDRAFT FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance  procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , VA XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , UT XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX This account states that I was 30 days late, however, I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , MI XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


XXXX  XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
Product: Checking or savings account

On XX/XX/year> I received a deposit of XXXX. I checked my account to move and process my funds and my account is frozen. I had a debt of XXXX XXXX To the company Knowledge my account is paid off, but I do not have access to my funds I have called multiple times and each time I get a mix story about my account. They tell me that my issue was emailed to a specialist to handle my frozen account. And I have yet to receive an email even regarding that my complaint was received. Credit karma
Product: Credit reporting

Equifax continues to report unverified accounts and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my Experian, and XXXX credit report and found various inaccurate names and addresses. The list of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

e remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. 

Type of Account : Inaccurate Address Inaccurate Address as stated on Credit Report XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - {$800.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$660.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$7400.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$7400.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$810.00} Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

Third parties are buying the debt from Capital One Bank, several had threatened me to court now XXXX another third party. XXXX calls me consistently and send letters for payment. Please have them stop contacting me and also its on my credit report in the incorrect amount. This is an older debt but I see a incorrect date thats more current. Thanking you in advance
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I spoke with several representatives and got no resolution. Trans union has blocked me from all online access. When I spoke with the first representative, she informed me that any issues with online I would need to call XXXX. However, she could order my credit report by mail, and she stated that she could lift credit freeze in which I requested both the report and credit lift. 

I waited for about 5 minutes, and I was still unable to access my credit profile online, so I called the number provided, and spoke with the next representative whom told me that their was nothing that she can do since I was able to login in because I explain that I can login in but I can't access anything. She said that I needed to speak with XXXX XXXX XXXX and provide case # XXXX. I asked what the case # is about, and she stated that this department would be able to share that with me. She gave me the phone number of XXXX which was the phone number I originally called. 

After being transferred again to this department, I spoke with the last representative whom advised that she can't help me with online and that the last department should of assisted me. She also stated that I still had the freeze on file which she insisted she lifted and provide me a confirmation # XXXX. She also informed that she would escalate my issue and someone will be in contact 24-48 hours. As of now, I still can't access my report on Trans union or annual credit report.com.
Product: Credit card

Investigate Immediatley the Illegal Consumer Fraud Horrific Financial Fraud At USAA Federal Savings Bank In Triple Visa Indemnity Without Termination OF ALL VISA CREDIT CARD ACCOUNTS by WRITTEN DSCLOSURE USAA Bank Reported This Malisiuos Identity Theft Attack by Telephone Contact To The Claimant on XX/XX/2022 Without Written Disclosure As Required by Consumer Lending Fraud And The FBI In XXXX XXXX Requires The CFPB Omnibudsman To Require Immediate Termination Of All Fraudulent Visa Accounts in XXXX XXXX XXXX Due To Freedom of Information Act Violations on XXXX Credit File Expungment of This Illegal USAA Credit Card on XX/XX/2022 XXXX XXXX XXXX XXXX Due Process of Law