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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX  - XXXX, XXXX - XXXX, XXXX  - XXXX, XXXX - XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated, but how is that possible if the high balance, last verified dates, dates of last activity, date reported, date opened, balance owed, creditor type, last payment, term length, account type, payment frequency, payment status, account status, two-year history, payment status, and days late- 7 year history are not accurate. This is grounds for removal and they also violated my rights under 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, 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

For months have tried to dispute with XXXX & NCA Collection agency to investigate the collection account on my credit report. I have asked for billing statements, payment history, signed documents, etc. of payday loan. No response has been received from Collection agency ( NCA ) other than a sending settlement payment arrangement and no response from XXXX, other than " was previously investigated '' letter. According the Fair Credit Reporting Act, I am due a full investigation, proof of such, and correct reporting on my credit files. I have asked for this item to be removed from my credit report because it is frivolous and can not be validated.
Product: Student loan

Based on the option I selected for this complaint, the 'error ' is that XXXX XXXX   XXXX XXXX XXXX ( and the 3 major bureaus ) continue to report an unverified, invalidated account without having provided original documented proof for MONTHS. I have repeatedly disputed the student loan account with XXXX XXXX XXXX XXXX and they continue to come back via the bureaus stating that the accounts ' info is all accurate, valid, verified, and mine -- all without providing a shred of proof to back this all up. Since XX/XX/2018, I have constantly asked for the original instrument of indebtedness in its original form bearing my actual, wet signature. It has been about 7 months and I still have not received this original documented proof that the account is 'mine ' and 'verified '. XXXX, in particular, has even had the audacity to tell me over the phone that they do not have to provide proof to the consumer on accounts. It is EXTREMELY DANGEROUS to my identity as a consumer for me to not know or receive original proof of a contractual agreement with a company. This opens the door to all sorts of problems. If I do not get proof from the bureaus or the original creditors, then where in the world am I supposed to get this information? As a consumer, do we not have a right to see the proof behind these so-called " valid '', " verified '', " accurate '' accounts? I am outraged that I have not received this proof from XXXX XXXX XXXX XXXX or the 3 major bureaus in months. I have been monitoring my credit and making sure all accounts are validated in order to remain on my reports. I am trying to do my due diligence, but these companies are deliberately hindering this process by not giving me due process. Moreover, they are violating the FCRA & FDCPA. I demand that XXXX XXXX XXXX XXXX   provide the original instrument of indebtedness in its original form bearing my actual, wet signature for the disputed account. If they do not have this, then I in turn demand that they DELETE the truly unverified, invalidated, inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge.. 

XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Checking or savings account

On or around XX/XX/year>, a fraudulent account was opened at XXXX XXXX  in the amount of {$460.00} without my knowledge or consent. This account is the result of identity theft. I did not authorize, open, or benefit from this account in any way.

Upon discovering this, I immediately took the following actions : Filed an Identity Theft Report with the Federal Trade Commission ( FTC ) Submitted a dispute to ChexSystems Provided all required
supporting documentation, including : A copy of my government-issued ID A copy of my Social Security card Proof of address The full FTC Identity Theft Report Under FCRA 605B ( 15 U.S.C. 1681c-2 ), ChexSystems is legally required to block fraudulent information within four business days of receiving a valid identity theft report. The law makes clear that the FTC Identity Theft Report is sufficient on its own, and no law enforcement signature or police report is required ( per FCRA 1681a ( q ) ( 4 ) ).

Despite this, ChexSystems : Refused to block the fraudulent XXXX XXXX account Imposed an unlawful requirement for a police report or officers signature, which is not required by law Conducted a reinvestigation but failed to produce any documentation linking me to the account ( e.g., application, IP logs, or voice recordings ) Additionally, ChexSystems previously accepted my FTC Identity Theft Report to remove a different fraudulent account ( XXXX XXXX XXXX XXXX ), which demonstrates inconsistent enforcement of their policies. 

ChexSystems is now in violation of the following federal laws : FCRA 605B failure to block identity theft information FCRA 611 failure to conduct a reasonable reinvestigation FCRA 616 & 617 willful and negligent noncompliance with federal law I also assert my rights under the following state consumer protection statutes, which further require fair treatment of identity theft victims : California Consumers California Fraud State Notice Connecticut Consumers Delaware Consumers District of Columbia Consumers Georgia Consumers Massachusetts Consumers Missouri Consumers Montana Consumers New Hampshire Consumers New Jersey Consumers North Carolina Consumers North Dakota Consumers Rhode Island Consumers Tennessee Consumers Texas Consumers Vermont Consumers Virginia Consumers Washington Consumers West Virginia Consumers ChexSystems ongoing refusal to follow federal and state law has caused significant harm to my financial reputation. I am requesting that the CFPB compel ChexSystems to immediately and permanently delete this fraudulent account from my consumer file as required by law.
Product: Debt collection

This is about Discover Card taking too high of a monthly deduction from my checking account. I contacted them and asked for a reduction based on my monthly income from social security after being declared XXXX XXXX due to XXXX XXXX, but all they did was lower my interest for 6 months only. I need a permanent reduction in the amount they withdraw every month in order to survive.
Product: Credit card or prepaid card

Opened a credit card in XXXX is XXXX with Wells Fargo with a banker. They said the stated to call back to increase my credit limit. I then contacted Wells Fargo in XX/XX/XXXX, they said in order to increase my credit limit and intro offer, I needed to close my other credit cards to increase my credit line. I closed my other cards and for over a month couldnt use the card as intended with the advertised offer of 0 % for 18 months. I escalated to their executive team and have been given the run around and no clear understanding of why they allowed their bankers to give me misinformation.
Product: Credit card

From the beginning of this story, I met someone online, and this ( scammer ) person was willing to help with my payments, but when this ( scammer ) person gave me permission to pay my credit card bills ( Chase credit card ), those payments were returned to me, and I kept doing that every time the payment went through in the beginning and returned it. This ( scammer ) person had tried asking me to send money from my credit cards to random people that I do not even know, which makes me frustrated because on my end, I don't even have that much money in my pocket. 

CHASE CREDIT CARD XX/XX/2023 {$1000.00} ( SENT AND RETURNED ) XX/XX/2023 {$750.00} ( SENT AND RETURNED ) XX/XX/2023 {$1000.00} ( SENT AND RETURNED )
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation started about a year ago when I noticed that Experian was not showing my XXXX XXXX credit card reporting information and my credit score had dropped. I quickly notified Experian and submitted a Dispute along with my incorrect Birth Date. The birth date was corrected after numerous submissions of disputes. However, the reporting of my XXXX XXXX account was not. I spoke to a lady at Experian and she stated that I had to contact XXXX XXXX and have them submit a re-instatement form. I immediately did contact CardServices at XXXX XXXX and the representative stated that they always submit my reporting to all three agencies. I explained to her that Experian is not getting them and if they would please help me. She again stated that I had to contact Experian, but also gave me an address for XXXX XXXX Consumer Recovery Depart. ( see Attached ), I followed up by sending them a dispute on XX/XX/XXXX, for which I have not received an answer. I also send another dispute to Experian on XX/XX/XXXX. So now I am being bounced from Experian to XXXX XXXX  and no one will assume responsibility to fix the situation of just simply reporting my XXXX credit card payment history. I have no problem with XXXX or XXXX, they report accurately. 
On XX/XX/XXXX, I finally received a letter from Experian stating that my dispute under report # XXXX was completed and to my surprise, they stated that the reinvestigation results indicate that the " Item Disputed are NOT currently Displaying on your Personal Credit Report " and that I have to submit a dispute so they can send it to XX/XX/ .. I am being bounced again and really need your help and guidance.
Product: Checking or savings account

On XX/XX/2025 i received a Debit XXXX card from NETSPEND who issued me a debit card in my name without my consent. This company has stolen my identity and someone there is using my personal information to create these fraudulent cards in my name. I have received several of these fraudulent cards from this company in the past. I have filed a Police report on this Identity Theft crime. I have filed a complaint with the FTC, State and Local DA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified company by mail XX/XX/XXXX, in regard to all the fraudulent inquires that I did not recognize and ask them to remove. have not heard back from them. the dates and name of inquiries are 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
Product: Debt collection

I received a phone call at my place of employment from a man stating he was pressing criminal charges on behalf of a payday loan that was not satisfied 3 years ago. I asked that he not contact me at my place of employment and asked for a number to call him back. I promptly called back to find out what the issue was. The man stated that I was a criminal that defrauded a payday loan company and that I was being charged. I stated that I have n't received any sort of information regarding the debt and did n't know what he was talking about. He went on the call me a 'piece of XXXX ' who was criminally taking out loans and defrauding companies. He continued to yell and verbally abuse me and accuse me of criminal activities I did not commit. I immediately asked to speak to a supervisor.
Product: Debt collection

Filed CFPB COMPLAINT ID XXXX ON XX/XX/2023 against FBCS debt collector on behalf of XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX in bankruptcy. XXXX provided a response to that complaint indicating information provided does not match their system and requesting name address ssn their file no and copy of lette ; all ironically so since the basis of my complaint was that Ive never been provide anything in writing from them, just harassing phone calls and when requesting something in writing during these calls I am met with a dial tone by the representative. FBCS responded to my credit bureau dispute that the debt was sold to them, so they need to correspond with those folkes to get the matching information ; but, as for general self identifying information that theyve requested in their response to be able to address the issue at hand of attempting to illegally collect on a debt discharged and protected by bankruptcy laws has been provided to them in this complaint. As such, I requesting that CFPB complaint be re-opened and demand that FBCS provide a valid response to the claim and not a bogus one that seeks to disclaim it by asking for the very lack of information that has not been made available to me via the harassing calls and that are subject of THIS complaint against them. 
All the information they need to investigate such as my name address and phone number they call everyday all day has been provided here, and with exception of social and file number. No one gives socials over the phone or otherwise for identity protection, although the lady XXXX were provided here ; nor does any company demand it but rather use other unique identifying information ; as for the file no, well if they ever send me something in writing I would have that, but as stated previously when requested during harassing calls the representative hangs up phone
Product: Credit reporting or other personal consumer reports

Filed a complaint about the inaccuracies of information on my consumer report, company did nothing and the report is still the same ; of which I never gave consent or authority for items to be placed on my consumer report in the first place. Previous complaint number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letter to the companys and the credit Bureaus.. The inquiries on my TransUnion, XXXX  and XXXX that I did not apply for is. ( XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) which involved me making deposits for a total amount of {$130000.00} XXXX  from my Chase Bank account to a fraudulent investment firm.
Product: Credit card

Capital one has reappeared account information on my credit report that has been over 7 years now it should be off my report. This account has been closed since XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LVNV FUNDING LLC, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouris identity theft and credit reporting laws.

It has unequivocally come to my attention that LVNV FUNDING LLC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Under Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. 

I demand, with the utmost certainty, that LVNV FUNDING LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all 3 of my bureaus to reflect a XXXX  balance and a XXXX  payment.
Product: Credit card or prepaid card

Discover Financial failed to make good faith effort to verify my information before closing my account without reason or notice : Discover promised to allow 10 days for my info to be received and verified but did not. 

In XXXX, I made a single withdrawal at a casino for {$500.00} and shortly thereafter Discover Financial requested I submit a 4506T. I submitted it the same day with my mailing address which differs from my home address. Both addresses appear on my credit report. Both my condo and my XXXX  XXXX  are in the XXXX zip code. 

After 5 days, Discover financial requested a revised XXXX which I submitted immediately. 

Finally, they closed my account without notice it reason and refused to provide info during subsequent phone calls. 

I have proof of income, tax returns, excellent credit, and do not engage in any type of illegal activity nor do I gamble. 

Discover Financial did not make a good faith effort to verify my information and closed  my account, adversely affecting my credit score and financials, dropping my score from XXXX  to XXXX
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX Balance due : {$4700.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. 

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. 

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and XXXX XXXXy not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Debt collection

SEQUIUM ASSET SOLUTION  Acc # XXXX I don't owe them anything call the company and they said that they already removed from my file the collection company still reporting and they cant find it