23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been trying to reopen a business account for almost a year. I even deposited cash in the closed account that was charged off because of automatic withdrawals from IRS, XXXX XXXX. 

The bank refuses to reopen the account or even assist me in collection of monies due to the government. 

Yesterday, XX/XX/2020. I just tried to change the address on the company account because the address it had on the last statement was some personal address of a XXXX who was a signer before but the company isn't even operating anymore. Then they proceeded to ask me all these other addresses which I assume were this signers, which I have no right to know where she lives now or what is doing. 

I tried to change the address at the branch, they told me no business banker was available due to covaid, I called, they couldn't do it on their system for some reason. I dont understand why the business address is not the same as the server of process recorded at the state of California because if any debt collector wants to collect on a judgement for a loan, taxes, unemployment etc, they can levy the account. The account holder deserves notice of the levy. 

The address is important. 

Attached are my statements and the current statement of information that I would like wellsfargo to reflect on my closed business accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account name 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 a account without my written instructions 15 U.S.C 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items to be disputed : XXXX XXXX XXXX XXXX  XXXX, CT XXXX XXXX XXXX XXXX XXXX  XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$490.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis searched for negative information pertaining to me which is an invasion of my right to privacy. This company did not have permissible purpose or my written consent to search for negative information pertaining to me.
Product: Credit reporting or other personal consumer reports

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, TransUnion, 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. '' XXXXXXXX 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. '' XXXXXXXX XXXX, the financial institution and the Consumer reporting agencies XXXX, TransUnion, 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, and XXXX XXXX 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. '' XXXXXXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in XXXX5 USC 1681C ( a ) ( 5 ) " 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 TransUnion 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I checked my credit score and received inquires on my account that I did not receive any credit card or morgagte or anything from these places I checked and seen all inquires have been on my account which is hurting my score and I have not received the product and did not hand sign a application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not using any third party for this matter. I represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The trade line listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating this account. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX XXXX 2012 as it indicated on report. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information XXXX. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, this account doesn't belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that this listed account and items be DELETED!
Product: Credit reporting or other personal consumer reports

I requested verification of an account and have not gotten a response yet
Product: Debt collection

I have a bankruptcy filed onto my personal credit report dated back to XX/XX/2012. My husband must have filed without my knowledge or I was told that it could have been that when he filed my name was attached to accounts included. He takes care of all of the debts and I was unaware of the bankruptcy. I tried to get a credit card from XXXX XXXX and I was informed that they would not allow me to get one because of the bankruptcy. I tried to dispute it and the bureaus would not remove it. I even reached out to the courthouse and they sent me back a letter stating that they are not reporting the item. They attached this website to proceed with a consumer dispute. The odd thing is that my husbands credit report does not show he filed for a bankruptcy and I am the one that has never had any debts or credit. My credit report reflects this. The credit bureaus informed me after submitting the courthouse document through XXXX that the item was deleted. Then, on the website it alerted me that the bankruptcy was re-instated. I also submitted a document from the XXXX XXXX. The XXXX requires new and existing public record data to meet certain criteria in order for them to appear on your consumer credit reports, including : The public record data must have your name, address, and either your Social Security number or your date of birth. The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. On my credit report it is not showing the required information from the courthouse reporting it. There is no name, no address or records. I will attach : Letter from Courthouse, XXXX laws, Proof that nothing is reporting on the report as required and that they deleted and re instated the item without informing me. I am not responsible for the Bankruptcy and it does not show required information by law. ( there is no balance attached to the reported bankruptcy ) It has a {$0.00} balance and the credit bureaus have not complied with any of the laws. Also, by law the credit bureaus must inform you that they are re-instating an item and the bureaus did not do so. None of the laws have been complied with, yet, I still have the item on my credit reports.
Product: Credit reporting

I 'm reporting inaccuracies in regards to the calculation of my credit score. I believe I have a true problem with IT Hacking. I have seen my credit score drop by XXXX points and then move back up XXXX points, with no change of debt reported on my credit reports. I have saved all free credit report checks and have snip shot or screen shot my credit scores. Now with all debt payed, no change at all in my credit score ( no movement ). Transunion will not change there reporting, but experian did. Tranunion is still holding me down and will not make the appropriate changes. The accounts in question are collected by XXXX XXXX and have odd notations that are n't correct for being paid in full. Others are XXXX XXXX and also XXXX XXXX. Under 15U.S. Code 1669 and 1681 states that any changes must be immediately reported, if not it constitutes a delete of file. I can prove that immediate reporting of good standing changes are n't being reported immediately. May I remind you that I have proof of true hacking and fraud changes made with my credit score.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days after the May 26, 2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$910.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX ACCEPT Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account, Bank of America # XXXX Is not my account. And one more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX  - XX/XX/2024 2. XXXX XXXX  - XX/XX/2024 XXXX
Product: Credit card

I opened an Best Buy Citi XXXX card in XXXX XXXX, 2016 with the understanding that I had a 0 % promotional balance for 12 months. I was keeping a balance on the card because of the promotional rate and used the card to buy a computer from Best Buy. 
A few months later I used the card at a non-Best Buy store. 
I received a bill after that which charged me interest. 
I called the company wondering about why I was being charged interest and they told me it was from the non-Best Buy purchase. 
I told them that I was never told that other purchases would end up getting an interest charge. 
I paid the other purchases off with {$700.00}. which I was told more than covered the amount. I confirmed with them that I would not be charged additional interest after that because I wanted to make sure that the next bill would not have interest on it. 
I just received the new bill and they charged interest on it. When I called Best Buy Citi Visa, they told me they could not remove the interest. I escalated it, and still nothing could be done. I asked for any surveys to give feedback, and there was none. I asked to escalate further, and there was no one. I was so frustrated with the customer service, marketing, and communication that I closed the card immediately because I could not trust it. When I closed it, it was the same person, so there were no checks and balances to allow me to give feedback. I have felt very mislead about how the card is being represented and am very concerned about the internal process surrounding Best Buy Credit Services. It appears to be to purposely misleading about the interest rate conditions and fees so that we will be forced to pay the interest if we keep the card. I will not trust Best Buy and it 's partnership with Citi after this experience. I am also very weary of any Citi cards from this point on.
Product: Student loan

i received a TPD in XX/XX/XXXX which paid off my federal loans with navient but left my private loans outstanding. there is no place on the navient website to email them about the issue of getting my private loans discharged and every time i call them i get the runaround. 

plus my wife and i filed a chapter XXXX bankruptcy in XX/XX/XXXX that should have included the navient private loans, but our attorney failed to include them. he was under the belief that they could not be included. we provided him with the documentation for the loans but he did not add them. 

my private loans have been incurring interest and past due amounts keep building against the original loans but have not received any type of notice for their status. i did receive an email in XX/XX/XXXX that had me link to a location in navient to let them know that my loans should have been included in our bankruptcy but again there was no email address to respond to. i can only assume that we have been added to one of the lawsuits that are pending. 

there is simply no way of contacting them about the TPD ( but they should already know this since XXXX paid off my federal consolidation loans ) ; i did call the general account line back in XX/XX/XXXX and was told about using the TPD form, but the person on the line would not listen to me when i told them that i had already applied for and was approved. they told me that my account was in a hold status ( probably because of the bankruptcy and pending lawsuits ) and that if i pursued any type of arrangement regarding my private loans, that they would be taken off hold and put them in immediate repayment. so i told them to just leave them in the hold status and i would wait to see what comes of the lawsuits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights, XXXX XXXX XXXX ACCT. # XXXX, XXXX XXXX XXXX  acct. # XXXX XXXX acct. # XXXX, XXXX XXXX XXXX, acct. # XXXX, XXXX XXXX XXXX acct. # XXXX XXXX XXXXacct. # XXXX my nights.

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 a acodunt without my written instructions
Product: Debt collection

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX XXXX an upstanding citizen of XXXX, XXXX being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 
Account number : XXXX Balance details 0 % paid off Balance {$660.00} Balance updated XX/XX/XXXX Original balance {$660.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$660.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Company Contact info Account Name : LVNV FUNDING LLC Address po box XXXX XXXX, SC XXXX 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE XXXX LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2020, I entered a consumer credit transaction with Discover which I extended them credit. Discover never provided adequate notice which clearly and conspicuously mentions the pertinent facts of the transaction. The term " adequate notice '' means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a consumer against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Since the adequate notice was not given. I couldn't understand which is a violation of 15 USC 1602 ( k ). Further, a consumer must be aware of the cost of transactions. Since I was not aware of the transactions therefore I made an uniformed decision and it resulted in multiple billing errors and unfair credit card practices. According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use from which the cardholder receives no benefit. From Discover 's end, I have not benefited from this transaction which is a violation of 15 USC 1602 ( p ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information XXXX. DPT EDXXXX {$3700.00}, XXXX {$310.00}, XXXX {$1600.00}, XXXX {$1600.00}, XXXX {$520.00}, XXXX XXXX {$2200.00}, XXXX XXXX {$16000.00}, XXXX XXXX  {$3300.00}, XXXX XXXX {$210.00}, XXXX XXXX {$840.00}, XXXX XXXX  {$740.00}, XXXX XXXX XXXX {$160.00}