23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX has send for collection the amount of {$78.00} under my name. this account in question has been reported six time on all credit bureaus from XXXX to XXXX, XXXX under XXXX XXXX XXXX ( collection agency ). 
After I learned about it, I called XXXX XXXX XXXX ( about a month ago ) and they agreed to correct this issue as it was wrongly reported and set in collection by them? ( the account was paid in full and on time every time ) this morning XXXX/XXXX/2016 I had to call again because as I mention this still being reported and affecting my score. 
Now they tell me that it would take another 30 days before anything will be done? Why and what is it about XXXX XXXX XXXX that they can just followed through on matters like this one? 
I would like to have this information cleared from my report ASAP please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reported to transunion, XXXX ( XXXX XXXX  ), XXXX, and CFPB on an error manifesting onto my transunion credit report. Today XX/XX/2022 I received a notice stating the case is closed and the response from " reported on '' company is available. Upon reading the response I disagree fully with the decision made on the Transunion behalf. This is unfair, there could not have been a thorough investigation completed. I submitted all the dogmatic evidence. This is unfair to suffer from a company not doing their due diligence when the law permits them to. And Im confused with how CFPB plays a roles in this complaint. I was under the comprehension that CFPB is an advocate for consumers experiencing issues with companies and upon reporting CFPB will resolve the issue. Instead It seems as thought CFPB serves as the platform to create the report instead of having a role in resolution. I would like the unauthorized inquiry removed from my Transunion report as this is a result in fraud. I will provide the evidence to support my therory and the report filed with XXXX. If the company ( transunion ) does not resolve this issue after this complaint I am proceeding with a civil lawsuit to protect my rights under FCRA. And to demonstrate my seriousness I have done a great deal of research, especially on how the FTC increased violations of Section 621 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ) from {$3500.00} to {$3700.00}. I have undeniable evidence to prove my case and to show I exercised every right allowed under law including challenging the info reported to bureau. I have been patient even though this inquiry is hurting my score and preventing me from buying a home at the current moment. This is a inconvenience to have this reporting on my report and also against the law. The resolution i seek is to have the " hard Inquiry '' removed. If not like stated above I will pursue lawfully.
Product: Debt collection

We've sent two written correspondences asking Monterey to return the debt to our timeshare so we can continue to work with them directly, and they've refused to. The debt should be listed as disputed and they should move on from us. We followed the rules and they're not above violating our rights to make a quick buck.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 7 years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The XXXX and XXXX XXXX has been disputed on Equifax and deleted but they are still on my XXXX and XXXX and the need to be removed for inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 I mailed a request to Equifax to put a freeze on my mom 's account. My mom has XXXX XXXX XXXX, and I am her financial power of attorney. 

Per Equifax 's website, I submitted their form Incapacitated Adult Freeze Request Form, as well as a copy of my driver 's license, the POA for mom, her birth certificate, and her social security card, and a letter with my request. I used the address designated on their form ( XXXX XXXX, XXXX, GA XXXX ). I received the postcard confirming their receipt of the documents on XX/XX/XXXX, signed by XXXX XXXX. 

On XX/XX/2019, at approximately XXXX XXXX, I called Equifax to find out the status of the request. I spoke to XXXX who couldn't find the documents in her system. She told me I needed to resend them, that I had used the wrong address. I disputed this, given the postcard. She transferred me to her supervisor, XXXX, who also checked and did not find the forms and suggested I'd sent illegible forms. She said she'd escalate the issue because I was concerned about possible breach of my and my mother 's personally identifiable information. She also said she'd forward my concerns to the Mailing Department so they could handle it. I asked what happens next. She said she'd forward the information for proper handling. I asked for a point of contact to follow up because at this point documents with our PII were missing and I didn't have the credit freeze in place. She said I'd need to talk to her supervisor. She transferred me to XXXX in Consumer Affairs. XXXX sent me a secure link so that I could upload the documents and she could process the freeze. She did this, I uploaded them, and received the freeze notice in the mail dated XX/XX/2019. XXXX also said she'd send my concerns regarding the lost documents and potential breach of our PII to her immediate manager, who would give me a call and let me know what Equifax would do about our lost documents. Our call concluded at approximately XXXX XXXX. It is now XX/XX/XXXX. I have not received a call back from XXXX 's immediate manager. 

Throughout the call on XX/XX/XXXX, XXXX was the only Equifax representative I spoke with who displayed any level of concern that an Equifax employee, XXXX XXXX, acknowledged receipt of my and my mom 's documents with PII but then did not upload them to the system. The casual attitude and lack of responsibility Equifax displayed that day, and through its lack of follow up since, regarding this loss of our information, once it was on their XXXX site, is extremely troubling.
Product: Payday loan, title loan, personal loan, or advance loan

I requested that as per the federal fair debt collection act that BRIGIT no longer be able to debit my bank account or my debit card on file and I was informed that they would do that anyway despite my removing permissions for them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and sent multiple disputes regarding these unauthorize inquiries and i keep getting a general answer and they won't provide method of investigation and verification for these unauthorized items on my report. i want these items deleted because they are not authorized. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX HSBC BANK XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing with XXXX, Experian, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, Experian, XXXX and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, EXPERIAN, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute - and now cant get back on system. Every time I call, either hold for hours and hours ( and then get cut off ) or they tell me system is not working. It dropped my credit score 50 points and I cant get a resolution. I am shopping for a car and can't move forward
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report. I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, to produce a contract between you and I, Consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have within 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611.
Product: Debt collection

I have received multiple phone calls from this agency within 2 hour time-frame after confirming my information. I told the agent XXXX to stop calling me then I received another call 1 minute later stating she was going to tell her client I decided not to resolve my account without any conversation about the balance owed. She then transferred me to her manager XXXX agent XXXX and XXXX tried to say XXXX had a right to call back. I explained they were breaking laws of FDCPA. XXXX stated she would place Cease and Desist w/out me stating to do so. I asked XXXX to transfer me to her legal department where my call when then disconnected.
Product: Checking or savings account

there are multiple account inquiries and accounts opened under my name and are being reported as negative balances, which were either not granted access to be reported or opened or are reporting incorrect information. such as negative balances, accounts status, etc. these accounts must be removed immediately as reporting these on my consumer report is fraudulent, illegal, and is hindering me financially and my livelihood. IF THESE ACCOUNTS ARE NOT REMOVED WITHIN XXXX HOURS, LEGAL ACTION WILL BE TAKEN. 

Consumer ID XXXX for XXXX XXXX ACCOUNTS are referenced below : ACCOUNT : XXXX  XXXX ; XXXX XXXX XXXX, XXXX, DE XXXX Reported For : NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY ; Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Reported SSN/ID : XXXX Drivers License : State : Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$2500.00} ACCOUNT : XXXX, CALIFORNIA ; XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Reported For : ACCOUNT ABUSE XXXX XXXX Name XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Reported SSN/ID : XXXX Drivers License XXXX State XXXX Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$4400.00} INQUIRIES are referenced below : XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number : Telephone Number Not Available Inquiry XXXX : XX/XX/XXXX Public record information on XXXX XXXX XXXX BANK ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX BANK ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number : Telephone Number Not Available Inquiry XXXX : XX/XX/XXXX XXXX : XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Public XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number : Telephone Number Not Available Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 /I had gotten a credit inquiry notification. 
On the info listed it had : enhanced inquiry SYNCB/SAM'sXXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX I immediately called the provided number, Just to be met with difficulty. 
Upon my first call I was sent to Fraud dept, where they just hung upon me once I explained my dilemma. 
My second call, A lady answered getting upset with me refusing to assist me in the matter. 
Third attempt, A sir stated there was nothing I could do. 
I advised him that I did have rights that protect me from situations as such, an was why I called to resolve issue of possible fraud. 
I advised I was in XXXX, NM where I reside and have credit monitoring which alerted me of an inquiry. 
He just stated do what you need we can't do anything. 
I have not pulled my credit for Credit cards being that I am trying to purchase a home. And now am dealing with possible fraud with no concern or help from the company that pulled my credit with out my consent or know. 
I understand I may be just another consumer to them, however it is a huge concern to a single mother trying to get a Mortgage to buy a home for my children and I.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a dispute of inaccurate and/or incomplete information in my consumer report to XXXX, Transunion, and XXXX. The XXXX XXXX that they were reporting concerning me was unverifiable by them. 

I requested a description of the procedure used to determine the accuracy and completeness of the information of the disputed information, I asked for the business name and address of all furnishers of information contacted in connection with such information and the telephone numbers of such furnishers when they initially prepard the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unforntunately, it appears that they did not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in their consumer reports thatq they prepared concerning me. Also I received information back from XXXX that they could not locate me in their database.
Product: Checking or savings account

from my debit account, which receives wages, someone began to make purchases on XXXX. I did not consent to this. There was no notification that my card was linked to XXXX. I contacted the bank and XXXX for clams of fraud. The bank told me that I allegedly agreed to use my card, but this is not so. XXXX replied that contact the bank, the transactions were not from your account. but the fact that the delivery of goods was not to my address XXXX does not care
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Experan This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX  from XXXXXXXX XXXX XXXX ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that XXXX of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from XXXX XXXX saying that I have a new inquiry. I checked my credit report and I noticed that XXXX XXXX XXXX  pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX m asking to remove the inquiries of XXXXXXXX XXXX XXXX from XXXX, XXXX and experian as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that XXXX XXXX sold my information and thats how XXXXXXXX XXXX XXXX accessed my credit information. Im attaching a copy of the police report of identity theft, Please, as a credit company, they have to protect XXXX/ but I feel unprotected, I am already having serious problems because my identity was stolen, I have a fraud alert in the XXXX credit companies/ but I feel that this does not stop the criminals who want to continue stealing my blood, this whole identity theft case has me completely unprotected.
Product: Credit card

AMERICAN EXPRESS has made XXXX Hard Hits on my credit history. In XXXX there were XXXX. In XXXX there were XXXX. So far in XXXX there has been XXXX. I have never applied for an American Express credit card. Also other lenders have made inquiries to my report. XXXX XXXX has made XXXX over the past 3 years. The most recent being XXXX XXXX. 
I understand these " hard hits '' could be affecting my credit score. Please advise. Other companies doing this same action are XXXX XXXX MORTGAGE, XXXX BANK, XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others checked my cedit
Product: Credit reporting or other personal consumer reports

After mailing Transunion a dispute letter a few months back I asked them to verify the information that I listed and believed was reporting to my consumer report without the proper verification process. I asked them to provide to me any documents that may verify the validity of the information which includes any signed agreements, contracts, or receipts. In pursuance of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ), Transunion must remove any information that's inaccurate or unverifiable in which them not providing the proper documentation but continue to report this information is a violation. I understand that it is their duty to be in compliance with the laws that they agreed to abide by. How can you report any account without the proper documentation but respond " verified ''? The creditors that's reporting this information never had the consent to call me numerous times about a debt that they never sent me any proof of documentations to me. I have no knowledge of who they or how they obtained my personal information without my consent. I have a right of privacy in which I believe was violated. Also they are reporting multiple personal information inaccuracies which may confuse anyone or institution that I may have dealings with in the future. They are reporting multiple addresses that I currently don't live at. My credit is being negatively impacted by the negative information that's being reported but without proper validation. Violations I believe that was committed by Transunion and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1692c - Communication in connection with debt collection