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

Due to these violations, I demand that you update the payment status of these accounts to " Paid as Agreed '' and remove the late remarks from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter, dated XX/XX/XXXX of this year, requesting correction of inaccurate information on my credit report regarding an incorrect late payment on my auto loan, account : XXXX. To date, I have not received confirmation of the correction nor have I noticed any changes to my credit report. 

This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Addiotionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. Furthermore, I would like to refer to the Protection Against Non-Payment of obligations Act ( PAANL ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX Aspire " I am opting out of your reporting services. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Product: Debt collection

I disagree with the accounts listed below which still appear on my credit report, even after your investigation. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit score ( XXXX XXXX XXXX. Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. This information being reported is inaccurate and should be removed.
Product: Checking or savings account

For the past three months, I have suffered from nearly constant fraudulent transactions. 

On the XX/XX/XXXX, there was a {$4.00} charge to my account that I did not intend. No charges were consciously authorized. I was attempting to get a loan, and this charge overdrew my account, which was set to not allow my checking account to overdraw. This charge, then, should have been rejected. 

I live on a fixed income, where my bank has previously stolen in excess of {$300.00} from my checking account, via a number of transactions that THEY initially identified as fraudulent. They are going to cause me to become homeless again, and these charges are ridiculous. 

Needless to say that I am extremely XXXX XXXX over all of this. I only make {$750.00} per month and I simply can't afford to be nickeled and dimed to death like this. 

I complained, and was told there was nothing they could do until the charge posted. 

In spite of the fact that there is a policy in place against levying overdraft charges when they are under {$10.00}, my account was charged {$35.00} in overdraft charges, when I didn't authorize ANY of this!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ; XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ), XXXX # XXXX ( Experian ), and XXXX  # XXXX ( XXXX ), as well as XXXX. DEPT OF EDUCATIONXXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX. US BKPT CT CO XXXX Reference # XXXX XXXX. U.S. Bankruptcy Court Reference # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

A closeout check in amount of {$4200.00} was never received from Capital One 360 checking account which was closed out in XXXX of 2018. A Capital One rep placed a stop payment on initial check, sent replacement check while I was on vacation, check never received. It appears check was intercepted by another party, not received to date.
Product: Debt collection

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data was included in data breach of 2017, and there is still no way on the Equifax site to be able to delete your data with them and ensure that they no longer have access to my personal information without my consent. The class-action lawsuit has provided no relief of this kind, and the other forms of relief that have been given to the victims are not " relief '' at all a paltry cash settlement ( that hasn't even been disbursed at all yet ) and credit monitoring services... provided by the company that I no longer want to have my information. 

I did not give them permission directly to access my information, their XXXX practices and knee-jerk reactions to credit score changes cause undue stress, and when minor credit changes occur they simply melt down with a huge credit score hit without examining the facts. 

They are worthless with their security, storing customer data insecurely while also making it virtually IMPOSSIBLE for the person who OWNS that data to be able to access it quickly and easily. Their " locking '' feature is a joke, and they make you jump through tons of hoops to freeze your score. 

All in all, Equifax is a shady and poorly run company with nothing but greed and avarice driving it, and I no longer wish to be associated with them in any way, shape, or form. I also expect the company to retaliate against me for making this demand, as detailed in the XXXX XXXX XXXXXXXX article from 5 years ago, stating that the reporter should stop asking to have their data deleted ... or else. They will threaten you with tanking your credit report Any attempt to get my lenders to stop sending payment information to Equifax, I've been told, might result in my credit score being ruined because my " payments would be marked late ''. 

Denying them information is not the same as incorrect information that they are deciding to provide. I don't trust them with my information. Why are they allowed to force me to? Why is the federal government allowing them to force me to use or be part of their service? How does this gibe with anything constitutionally afforded me in the Bill or Rights? Why does Equifax 's right supersede my own? 

Please answer that last one, because I'd very much like to hear your explanation as to why it is more important for my right to privacy to be trampled on by a massively incompetent company whose security is positively atrocious and was proven in court to be inadequate and insufficient? 

I want my data removed from the Equifax services and I want their account on me ( that I have revoked permission for them to use ) to be deleted. 

I await any and all arguments to the contrary as if you would actually take my grievances to heart and do right by a citizen of this country. Instead, I know that my complaint will be overlooked and ignored because Equifax is " too big to fail '' and it's better to XXXX over the citizenry than it is to hold a corporation accountable. 

Just disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

( LETTER & ID THEFT REPORT ATTACHED ) RE : Request for Investigation of Unauthorized Inquiries and Incorrect Addresses Please do not state that you cant verify my identity. Attached are all necessary identification documents ( ID, Social Security Card, and Bill ) and also my Identity Theft Report. 

Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove ALL INQUIRIES with the names of the above banks. I checked my personal credit report, which I acquired from your organization and there are no accounts on my credit report for these inquiries, so these unauthorized inquiries should be removed from my credit report upon receipt of this letter. 

Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove ALL ADDRESSES that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX EXACTLY. Any other variation is a fraudulent address and I do not give authorization to have on my account. All other addresses are non-existent and not mine! The above reference to this address does not exist and needs to be removed no matter who is trying to report it- it is obviously false. If your bureau does not report these additional addresses or inquiries then please disregard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to find out that I have become a victim of identity theft. There were numerous accounts that did not belong to me as the consumer. This has been hurting me as I'm in the process of buying a home for my family. Remove these fraudulent accounts off my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus did not perform a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did NOT do this! Furthermore, violating my rights. 

In accordance with FCR Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts where properly investigated but how is this so if the open date is inaccurate, the date last active is inaccurate, the reporting dates are inaccurate, the payment dates are inaccurate, the status is inaccurate. This is grounds for removal. 

Equifax, XXXX and XXXX all violated the laws below ; 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 states a consumer reporting agency can not furnish a account without my written instructions. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and 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. 



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

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit card or prepaid card

capital one closed my credit card account due to a missed payment and reported late. My payments were set up through my XXXX XXXX XXXX portal. The payment in question is apparently from XX/XX/2020. When I called into capital one I was informed that they could not supply me with what the issue was but that they had returned the amount. Upon reaching out to XXXX they have no record of capital one drafting on the account. Since five subsequent payments went through the same account with no issues I do not believe the issue is/was on my end. 

I had never been reported late on any credit bureau during my may years with this account so not understanding where the issue is/was.
Product: Checking or savings account

I have been trying to fund my brokerage with XXXX however the bank is not allowing me to transfer available and verified funds and has blocked the use of my Atm Debit card as well as ACH transfers to this company.
Product: Credit card or prepaid card

Hello, most honorable protectors. I have two credit cards that are sadly over their limits with Genesis FS Card Services, which services my Destiny and Indigo accounts. These two are my sole credit cards. In XXXX of XXXX, a strongly suspicious event occurred where one card was pushed over the limit in a matter of hours despite recording the actively remaining available credit that lied on it. Moreover, and of note, is the fact that the other card with a lower available balance carried a purchase that date which was significantly beyond the credit limit remaining on it. 

I do believe in paying off my credit cards in full each and every month and there is no way to sidestep that. However, bouts with unwilling XXXX and a XXXX XXXX  for 23 days at a XXXXXXXX XXXX  kept me from contacting the card company. Additionally, I was severely mistreated at the institution where I remained, and could not receive access to my financial accounts via the web. It is doubtless for me to say that I am through with XX/XX/XXXX, but the XX/XX/XXXX of XX/XX/XXXXwhich arise from XX/XX/XXXX remained for several months. Therefore, I missed several opportunities to make contact with the card company, yet still. Confidence is upon me now, and I will keep it that way. 

To relate that sentiment, I dialed in on XX/XX/XXXX to Genesis FS Card Services. I explained that my account was taken advantage of and that I was in need of new cards. The promise was that I would receive them within three weeks. They never were delivered. 

Another outgoing call was made on XX/XX/XXXX, where I learned that a multi-day system update was taking place whereby no agents would be available. Ultimately, I buzzed their line today, Thursday,XX/XX/XXXX and I reported the flaws in the card delivery and how I needed an inquiry into the causes of my cards being mishandled. Specifically, I requested that they allow me to get my cards to research my XX/XX/XXXX and XX/XX/XXXX statements. Again, the same three weeks notice was given. Also, depending on the amount of penalties, I want any fees and interest removed from my account since XX/XX/XXXX, my date of first contact. Logins are currently unavailable to me, due to the instance of my phone and email being different at this present time. When my cards come in, that's when everything gets better for me, as I need the new accounts to authenticate myself. 

Things need a sharp turn at this moment. A month-long effort to resolve my debts in the 21st century is a true neglect on the part of Genesis FS Card Services.
Product: Checking or savings account

Chase bank is sending me stupid and illogical messages via a portal that costs me time to repeatedly gain access to. They also aren't responding to our emails to demand XXXX links.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX on the XXXX is sent a dispute over to transunion to fix an issue that had arised when i called them i was told they could not help me so now i wish to have things escalated on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of XXXX U.S.C. XXXX. 

They were to notify me of this in writing XXXX  days prior, I was not. As I am the original creditor, only I can validate this debt. I do not validate this debt. 

Account # in question : XXXX I have tracked the letter I sent to them as received via certified mail receipts, and no action has been taken to resolve this matter
Product: Mortgage

I am writing this complaint because SPS told my law group not to work for m. SPS told XXXX XXXX XXXX XXXX XXXX XXXX to threaten me. They told XXXX to lie and tell me that they have not scheduled a foreclosure sale date. However XXXX XXXX an attorney in XXXX, GA. has told XXXX XXXX and XXXX today ( XXXX XXXX ) that they scheduled a sale date for XX/XX/2019. Also, XXXX ( An SPS employee ) told XXXX XXXX a lie that there was no sale date. XXXX ( SPS ) told XXXX and XXXX this lie Im XXXX XXXX. XXXX ID XXXX. XXXX also told XXXX XXXX that she sent me a letter on XXXX XXXX to rescind the conversation she had about no slaw date. I would like for CFPB to fine for these lies and I would like for SPS to tell XXXX XXXX and XXXX XXXX to stop threatening me with foreclosure sale date. Also, I am not doing a short sale or Deed in Lieu. Stop the threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps.

Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.
Product: Credit reporting or other personal consumer reports

See Attached. account has inaccuracies and is over 7 years old and is too old to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my XXXX, Equifax, and XXXX Credit Report. 
I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Product: Credit card or prepaid card

In XX/XX/XXXX. I received a statement that they are updating the system and the direct deposit needed to be re-entered in the system. I tried to re-enter the deposit with a representative over the phone. The representative helped me to log in however the system was having issues. The representative helped to remove the old account so that I could re-enter the new account. After I completed the update I asked the representative to check the account to make sure the information is updated and that we have everything completed. She confirmed everything looks good and the information and date is set for direct deposit. The following week I traveled out the country, went I got back I received notifications of the payment being late. I am disputing the late payment reporting. I have had this account for more than 5 years and never had a late payment. When I called Discover requesting a courtesy to remove the late payment due to system error and their update as well as having a great payment history, they said there is nothing they can do about it.