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

I am the author of this complaint. 


According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Transunion, 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. '' XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX 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. '' XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and the consumer reporting agencies Transunion, 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 Transunion, XXXX, XXXX, to furnish anything in regard to these accounts, whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution XXXX 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. '' XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX 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 also 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. '' These accounts are adverse items, and they are reporting 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. Transunion, 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 in regard to these accounts.
Product: Checking or savings account

I over draft my card XXXX $ and the next day I was in the hole XXXX $ for wrongful overdrafts Ive had with regions bank I was being charged DOUBLE THE AMOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Weltman Weinberg & Reis reported to the Credit Repository Agencies that I opened an account with its entity on XX/XX/2018 in the amount of {$15000.00}. 

I have not ever contracted any business with this company. I have not ever received any consideration from this company. I have not ever signed any agreements with this company. 

I believe that this company is committing an act of fraud with knowingly placing invalid information of my personal credit profile. This company has violated Title 15 USC 1681s-2 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. These accounts are inaccurately reported. Compensation of {$XXXX} is due for each incorrect entry on my credit file.
Product: Credit reporting or other personal consumer reports

Transunion was given 30 days to properly dispute XXXX XXXX XXXX XXXX collections accounts, They also were told to remove XXXX XXXX XXXX XXXX  XXXX and XXXX due to accounts being fraudulent. Transunion stated they needed XXXX extra days on top of the XXXX to analyze data. Transunion has now gone past the XXXX required and the extra XXXX and have still failed to resolve issues. When provided with account information that shows accounts removed by XXXX and XXXX who ran the correct investigation to legal standards Transunion has failed to do so. Due to the security and illegal nature of this ongoing issues accounts are to be removed immediately as this is required by FCRA standard for disputes lasting longer than allowed time.
Product: Credit reporting

XXXX XXXX sent me a letter stating sorry that they are unable to approve my application at this time. Which was supposedly filled out on XXXX XXXX, 2016, which was incorrect I did not apply for or authorize XXXX XXXX to do any inquiries. I did a fraud case with Equifax Credit Agency on XXXX/XXXX/16 they responded stating the information is factual which is incorrect. I called Equifax on XXXX/XXXX/16 and informed them that their response is incorrect that 's fraud I did not apply for ant credit card, XXXX then informed me that needed to call XXXX XXXX. I called them also on XXXX/XXXX/16 at the number given by Equifax called several times hit several extensions no answer even gave another number still no answer. I would like for the fraudulent inquiry to be looked into further and removed off my credit report if possible which was considered a hard pull on my report which has affected my credit score decreasing it. 
Thank you, XXXX XXXX
Product: Debt collection

In 2011 I rented an apartment where I paid the rent for the year in full up front which I 've finished the receipts to show proof of this to Fidelity Information via certified mail. I also found that the property management company whom Fidelity Information bought the debt from which is XXXX XXXX did in fact file an eviction after I lived out my lease and moved out. The eviction process was after I moved out of the unit. XXXX XXXX dismissed there calm it was a voluntary dismissal on there behalf. Also please note that I was not notified of this eviction and I had no clue until just recently when I went to apply for a rental and was denied. I was told that I owed Fidelity Information monies regarding the rental with XXXX XXXX. Attached is the documents pertaining to this issue for your review. I also sent these documents to this company Fidelity Information to dispute there calm and asked that they send me documentation supporting there calms. I went to the court house and got a certified copy of the voluntary dismissal and there was no evidence showing that I had a amount owed. This company continues to report negative information to the credit bureaus stating that I owe them money which I do not. Please if someone can look into this matter I would appreciate it. Thank you.
Product: Mortgage

Unfortunately I have a Amerihome mortgage loan XXXX. 

On XX/XX/XXXX I was granted a home mortgage forbearance under the CARES Act. The initial forbearance was from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX I called to extend the forbearance of my loan which was granted however on XX/XX/XXXX Amerihome sent a negative report to the credit bureau stating that I was behind on my loan 3 months. That forbearance was scheduled to ended XX/XX/XXXX after 3 months. On XX/XX/XXXX I called to extend the forbearance which was granted however on XX/XX/XXXX Amerihome sent a negative report to the credit bureau stating that I was behind on my loan 3 months. After speaking with multiple customer service reps they stated that t all the notes were in the request and they are not sure why the system is not picking up on the continuation. I have called the company on numerous occasion spoke with numerous customer service reps who consistently tells me that I am 4 months behind. However they can see the notes what I have requested a forbearance. Anytime I've ask to speak with a supervisor or escalate the situation to resolve I am unable to speak with a supervisor. On XX/XX/XXXX i received a letter and on page two, paragraph 7 the company states " Your loan is currently due for the XX/XX/XXXX installment of {$2000.00}. 

In closing as a federal protection bureau I would look into a Amerihome and the mishandling of the customers who should receive protection and not harassment and being reported to the credit bureau while under CARES forbearance. I receive multiple past due notice and XXXX phone call every week about past due amounts.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for FCRA Violations Regarding XXXX  XXXX Accounts To Whom It May Concern : I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) concerning two XXXX  XXXX accounts listed on my credit report. Despite multiple disputes, these accounts continue to inaccurately show a charge-off balance, which is a clear violation of the FCRA. Additionally, these accounts are not being reported consistently across all credit bureaus, which further suggests inaccuracies. 

Details of the Complaint : Inaccurate Reporting : Both XXXX XXXX accounts on my TransUnion credit report are inaccurately showing charge-off balances. 
Under the FCRA, 15 U.S.C. 1681i, credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information.

Despite multiple disputes filed with TransUnion, the inaccurate information remains on my credit report.

Failure to Conduct a Reasonable Investigation : TransUnion is obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable investigation when a consumer disputes the accuracy of information. 
The persistence of inaccurate information suggests that no reasonable investigation was conducted. 
Inconsistent Reporting Across Bureaus : The XXXX XXXX accounts in question are not reported on my credit reports from other major credit bureaus. 
This inconsistency further supports the argument that the information reported by TransUnion is inaccurate and should be corrected or removed. 
Request for Immediate Action : I request the immediate removal of both XXXX XXXX accounts from my TransUnion credit report. 
Continued reporting of inaccurate information is damaging my creditworthiness and is a violation of my rights under the FCRA. 
I appreciate your attention to this matter and expect a prompt resolution. If these inaccuracies are not corrected immediately, I will consider taking further legal action to enforce my rights under the FCRA. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified company several times via phone and was told they couldn't find any account in my name. Phone conversations were done in XX/XX/2023. On XX/XX/2023, they finally gave account number and last 4 digits of credit card used to make payments. I have explained that I never opened an account with them nor do I recognize the account on my XXXX credit report. I have since frozen experian, XXXX, and XXXX credit files. Account was opened on XX/XX/2023 with a balance of XXXX. Name of company is American First Finance.
Product: Credit card

It's still the same issue with Bank of America. 

They never helped me solve the situation. I already opened a complaint about them because of the way I was mistreated by their customer service. 

XXXX XXXX called me to help me with the issue and gave me a number to call. 

I called the number and they said they could do anything about my situation. 

I've called back to number XXXX extension XXXX and left a message to XXXX XXXX XXXX times and she never got back to me! 

So, still no help or effort from Bank of America to help me with my Financial issue, even me making much efforts to fix my debts with them. they really don't care!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay. I kindly request that you thoroughly investigate this matter, acknowledge the error, and promptly rectify it by eliminating the unauthorized inquiry from my credit report.
Product: Checking or savings account

Capital one since XX/XX/XXXX has not been releasing consumers funds my check from my employer that me and and many others worked many hours for has not been released to me my employer sent it XX/XX/XXXX capital one did not bother letting us know what's going on till XX/XX/XXXX at XXXX XXXX  CST and even at that they said this would be resolved by today XX/XX/XXXX in the morning it is now XXXXXXXX XXXX CST no funds... they have added extra security to log into your online banking as well by sending a code to your texts messages and is now locking us out if you log in too much, successful log ins may i add as if we shouldn't be logging to check on our funds... they lock you out to where you have to call but reps are not answering/hanging up this is our money we worked hard for and they wont even provide compensation. Our bills have late fees now, people that need their funds to live and support a family. Capital one wont even have the decency to explain or acknowledge us this is unacceptable they keep saying by the end of today then say the next day its just the run around especially after they are facing a lawsuit regarding to stealing funds what is happening with our money i need my check that i worked for to live.
Product: Debt collection

I don't have any connection with ALDOUS I. I only recognize XXXX XXXX as the original creditor. I believe they sold my account into a collection agency without properly notifying me. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and I seen account by a place called XXXX XXXX for a vehicle they say I owe {$7300.00} I do not know anything about that never had a vehicle from them before also have so many increase on there that are not mine none of them I don't know who did this but it don't belong to me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 2 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX or XXXX of XXXX  I took a {$800.00} title loan out after my boyfriend tragically got killed and I been paying high interest and fees on this loan almost XXXX years now almost I have paid this {$800.00} loan back XXXX just in interest and I recently lost my job last month and I also recovered from XXXX awhile ago and I can not not afford to pay this loan nomore because I already paid over {$4000.00} just in interest in almost XXXX years now and I'm struggling trying to just pay my bills now and I'm asking for compensation if possible due to mental anguish and pain I been having still trying to pay this loan off I'm exhausted I just want my title back to my truck please
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX 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

15USD 1681 section102 States I have the right to my privacy.

Section 604 It also States a consumer reporting agency can't furnish a account without my written instructions.

15USC1666B A creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection that was paid in full/ My insurance company notified me that XXXX XXXX XXXX XXXX were paid for my medical visit. Client Account # XXXX.
Product: Credit card

This Complaint has to do with The ALPHAEON CREDIT CARD, THEIR PRACTICE XXXX XXXX XXXX & COMENITY BANK. 
WHILE HIDING BEHIND A XXXX REVIEW AND TAKING ADVANTAGE OF A SITUATION, IT IS MY BELIEF THAT XXXX EITHER WITHHELD INFORMATION THEMSELVES OR THE ALPHAEON WEBSITE XXXX USED WITHHELD INFORMATION THAT DENIED ME MY RIGHT TO MAKE A VALID FINANCIAL CHOICE. ( My Letters to XXXX XX/XX/XXXX XXXX, REVISED XX/XX/XXXX Letter Dated XX/XX/XXXX & XXXX 's Letter XX/XX/XXXX. 
I'm Asking that XXXX Be Ordered to Credit ALL Monies from the FAKE Account opened By Them Using My Signature on XX/XX/XXXX And Face Penalties for their Actions. That Includes Their Actions of the Morning of XX/XX/XXXX ( My XX/XX/XXXX Letter to XXXX ) That Included Me Opening My Eyes to Witness a Mask-less XXXX XXXX Lightly Coughing in My Face, Putting My Health at Risk.

I Want to State that a One Time Payment of {$300.00} Was Made to COMENITY CAPITAL Bank, Only to Give Me Time to Put Together a Letter of DISPUTE in Which They Responded by Supporting XXXX 's Actions ( CCB Letter of XX/XX/XXXX ). 
Regarding The " Receipt '' Based on the Missing {$300.00} Amount that Would Have Appeared on Their XXXX Statement and the Word Receipt Both of Which Would Have Alerted Me Not to Sign the Piece of Paper. I'm Asking that COMENITY CAPITAL Bank be Ordered to Close XXXX 's Fake Account, Refund Me The {$300.00}, And Their Alphaeon Website be Investigated for Transparency. 
Thank You for Any Help You Can Give Regarding This Matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent 2 letters to Transunion. the first dated XX/XX/2021 and the second XX/XX/2021. I have not received a response to my letters and today is XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.
Product: Debt collection

I contacted Discover to get my account current and up to date on XX/XX/XXXX. Was advised by first agent that he needed to transfer me over to another agent to have a new card sent. This is after I had placed a XXXX payment. Then the next agent advised would have to contact next day after payment post to get new card. So of course I reach out on the next day XX/XX/XXXX and speak to another agent who advises that my account is closed and a new card can not be sent. This clearly could have been shared by the first two agents on XX/XX/XXXX. But instead they chose to take my money and not advise me of account closure and led me to believe this would make my account current and I would be able to get a new card sent.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Equifax credit report, and noticed I had fraudulent accounts on my report, I believe I'm a victim of hacking attack and identity theft, According to 15 USC 1681, Equifax need to remove these accounts from my report immediately! 


Company : XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Fraudulent Amount : XXXX Company : XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Company : XXXX XXXX  XXXX Account number : XXXX Open Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Company : XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX 2021