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

In accordance with the Fair Credit Reporting act 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Debt collection

I received a knock on my door, stating they were from XXXX last month, I informed them I was not interested, then I receive three letters in the mail within the last thirty days stating it is from a debt collector for XXXX. It is a fraudulent debt collector for XXXX. I called XXXX and informed them of the impostor knocking on my door and again today, after receiving this fraudulent letter. I always have a credit in my account.. 

The headline : CCI, Contract Callers Inc Their account number XXXX Their stating the creditor is XXXX Amount due : {$40.00} Signature, XXXX XXXX manager Phone number, XXXX XXXX informed me they are aware of the fraudulent debt collectors Here are the options of paying the fraudulent charge Download Iconnect mobile app through XXXX XXXX  or XXXX  store Call toll free, XXXX Mail to XXXX XXXX XXXX  XXXX XXXX Georgia XXXX or go online XXXX Thank you for your time and consideration into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank reports to XXXX as 16 months late, they say that it is charged off, but they report monthly as late. I would like to resolve this account and settle this debt which is Paypal Credit. However Synchrony does not want to deal with me as they tell me that they have charged off my account. They told me to call XXXX ( XXXX.XXXX ), which I did. have a settlement offer attached. However XXXX tells me that they do not report to credit bureaux, only Synchrony Bank does. I want to make monthly payments until the settlement is paid in full ( {$680.00} out of {$1300.00} ) while showing that I make payments as agreed. Synchrony told me that they will continue reporting to the credit bureaux with additional late reports instead of writing that payment is made monthly as agreed, which will further damage my credit. When I told Synchrony Bank that I would file a complaint because this is not fair reporting, they tell me : Go ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to you because after looking at my credit File which you report, there seems to be data Which i can not make heads or tails of. Please view the item below. XXXX XXXXXXXX XXXX Account XXXX XXXX Date of last activity has been re aged. And 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Account was removed by Experian and place right back after the original creditor didnt respond within the 30 days Experian placed it right back on my credit profile. The data furnisher did not respond to the request for investigation and the disputed account was removed from your credit report. The result summary was sent to you on XX/XX/2023.
Product: Debt collection

The caller called my mother 's phone twice and left threatening phone calls. The man ( he did not give his name ) said, '' _my name_ are you going to pick up the phone this time or not? '' When this failed he called my cell phone and said, " XXXX, pick up your phone '' in a menacing manner.
Product: Debt collection

I have reached out to CAPITAL ONE AUTO FINANCE to notify them that I have found fraud. I have sent them an affidavit of truth along with billing statements and an invoice with violations of a protected consumer according to The Truth In Lending Act ( TILA ) and the FDPCA ( Fair Debt Collection Practices Act ). They have violated several consumer protection laws which include 15 U.S.C. 1692a ( 3 ), 15 U.S.C. 1692b ( 2 ), 15 U.S.C. 1692c ( a ), and others. I have sent documents via certified mail and have received confirmation that it was received XX/XX/2021 Pursuant to 1692c ( c ), I have legally refused to pay the debt I am invoking my status as a creditor and my specified remedy as to a creditor, and pursuant 1692c 1 I'm advising them to terminate all collection efforts.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to Credit Acceptance Corporation written , unwritten, verbal or non verbal to report my nonpublic personal information. Credit Acceptance Corporation is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by Credit Acceptance Corporation that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which Credit Acceptance Corporation never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, Credit Acceptance Corporation violated the terms and conditions within their contract, because Credit Acceptance Corporation states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Product: Debt collection

I have just received my updated credit report and Launch Servicing LLC continues to the report to the 3 bureaus the debt that they claim to be mines, without any written letter or verification with my signature approving that this is my debt. I have written numerous letters asking them to verify this debt including any documents with my signature on it and they have not proven it. I have not received any response back in last 3 months concerning this matter and because this debt is not proven/mine I TOLD THEM TO REMOVE IT IMMEDIATELY OFF ALL 3 BUREAUS XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spite years of efforts both XXXX  and Experian have been impossible for me to upload identity theft victim documents through their portals. Although I understand they're apprehension I'm entering my complete information every time and it then does not allow me to dispute and correct information due to identity theft or fraud and that just can't happen. Since the XXXX  leak in 2017 my credit has gone up and down like a roller coaster due to identity theft and I'm involved in the class action lawsuit for more than XXXX in damages with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

best buy has been deleted on my acct and has not been removed on the equifax and transunion acct.
Product: Checking or savings account

I have been with this bank for 25 years. Over the years it has changed names many times. I have never been so dissatisfied as I have since Truist took over. 
During the holidays one of my checking account was over drawn by XXXXXXXX XXXX ... 3 times I have over draft protection but my automatic payment on my primary account was not going to be credited until the next day. The XXXX XXXX XXXX Echecks were returned and they charged me XXXXXXXX XXXX in check bouncing fees, the checks were returned to the establishment that the money was owed to and they also charged meXXXX XXXX  a return fee. So my XXXX in checks cost me over XXXXXXXX XXXX 
I called the bank and asked for the funds to be returned, they sent me to the bank manager XXXX. Who was on vacation. She saw me 4 days later and stated they could not return the fees since I had One over draft in the last 2 years. 
Of course I was furious and told them after 25 years of banking and fees that I have paid for the checking account monthly I would be closing both my accounts. 
I feel this is poor consumer relations. 
I will close accounts and be done with this establishment.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Incorrect Personal Information : Names : XXXX XXXX XXXX ( Not my name ) Addresses : XXXX XXXX XXXX XXXX XXXX XXXX LEAN, VA XXXX ( I have never lived here ) As per the FCRA, I am entitled to request an investigation into this matter, and I am providing you with the correct information : Correct Personal Information : Name : XXXX XXXX XXXX XXXX XXXX Birth : XX/XX/XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Texas XXXX XXXX promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely response.
Product: Credit card or prepaid card

I was sent an upgraded credit card from Citi Bank. I called in to activate it on XX/XX/XXXX which should have closed my old account. On XX/XX/XXXX my old card was used for 18 purchases, 15 of which were to a gov't agency in XXXX and 3 Auto places in XXXX, for exceeding my credit limit. I was never notified of this. I discovered it when I called in on XX/XX/XXXX to check my points. I immediately reported this to the Fraud and Security Department. They initially only tagged 3 of the items. I have since called and keep getting nowhere. I have received no communication from them at all. I have asked for correspondence and they have refused. I keep getting different answer as to why these other charges are not flagged under investigation. I received my statement and it says i owe {$12000.00}! Of that total only legally {$670.00} is mine. I even went to the branch bank and they were appalled by the communication via the phone to me. This has now been going on a day shy of 1 month and I still have no communication via text, letter, or email from them. My XXXX XXXX has dropped over XXXX points because they reported this amount to the credit bureaus. I was promised a letter would come today via email saying this was under investigation and nothing has arrived. I am at loss as of what to do next. Any other credit card company would place disputed items in a credit status while they investigate and send correspondence. Some of the agents i speak with are horrified when they look at this and can not figure out why this has not been resolved. Please HELP!!!
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies in my credit report with XXXX, Experian, and XXXX regarding a {$6600.00} auto loan from XXXX XXXX XXXX. Discrepancies in dates opened ( XX/XX/XXXX, XX/XX/XXXX ) and last activity ( XX/XX/XXXX, XX/XX/XXXX ) exist. I disputed on XX/XX/XXXX and requested deletion per FCRA.
Product: Money transfer, virtual currency, or money service

Have an account with The Online PNC-Bank XXXX They urged me to pay USD XXXX just to open my account for intl. transfers to my account in XXXX. Then me mad the first transfer, but never the money arrived in XXXX. After XXXX days me got a mail from the : INTERNATIONAL TRANSACTION PROCESSING UNIT XXXX : and asked me to pay taxes USD XXXX. Wanted to pay them from my USD-Account, but they refused, they blocked my account and all the transfers were be sent back to my US-account. They threatende me with shutting down of my account and the bank said the same. The Ombudsman, said, that company is fraud. Don't know, but me have no money in XXXX to pay to them and the wanted me to pay to the PNC-Bank . That's very seldom because there are about USD XXXX. Please see the latest mail from that bank from today : " Re : Re : My account with your bank-no. XXXX XXXX XXXX- Wan na make intl. transfers, but that's not possible. - Tax-problem Well it seems you dont want us to get this done for you All you have to do is wait till the appointed day then you will notice that your account is gone and the money will be sent back to XXXX XXXX account and shut it down too I will order my staffs to notify XXXX about the XXXX update, her fathers account will be shutdown permanently soon Good bye since I wanted to render a help to you but I noticed you are not ready to comply So me will lost all my payments and the money of that account. Suppose they are frauds like the tax-company, but not sure. Please help me to save my money. Thank you very, very much for your help.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15. 

Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for the creditors response before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are being disputed, especially since I, the consumer DID NOT request for these accounts to be disputed, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15.

The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF ED Account # : XXXX XXXX Account # : XXXX
Product: Debt collection

Negative Balance Notice-Action Required XXXX  XXXX XXXX  XX/XX/2019 XXXX XXXX   Inbox To : XXXX ; Dear User, We wish to notify you that activity on your card account has resulted in a negative balance on your account for XXXX consecutive days. You may be required to resolve the negative balance to continue using your account, and you may be prevented from opening future accounts that are managed by NetSpend. 

Please fund your account as soon as possible so that you no longer have a negative balance. 

Sincerely, Your Customer Service Team
Product: Credit card

Capital One blocked my credit card because I redeemed miles on the account. To verify the account they demand ID, front and back, Social security card front and back and a utility bill. I consider these demands for verification onerous and absurd. They will " unblock the account '' after 72 hours! No other bank engages in such demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is inaccurately reporting a late payment to my credit report. XXXX has already deleted this inaccuracy from my credit profile and I am demanding that my profile be updated to ensure accurate reporting of my personal information. The payments were never late and Experian has refused to update my profile accordingly. The confirmation number for the XXXX deletion is ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime between XXXX  XXXX, 2019 and XXXX  XXXX, 2019, both of my XXXX XXXX credit card accounts were removed from my Equifax credit report. This was done without my permission and has dropped my score by over 60 points. I am still an authorized user on both accounts so both should be listed on my account. This has seriously impacted my life as I was in the process of applying for a home loan. I will be seeking financial restitution in the amount of {$2000.00} per account for this illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly ( 120 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureau to remove this but I have not been successful.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without my consent and also used that information to furnish. XXXX makes it clear that the consumer has a right to privacy which XXXX, XXXX and Equifax has violated my federal protected right to privacy by failing to meet the needs of XXXX by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insured that consumer right to privacy! Under the XXXX XXXX XXXX XXXX of 1999. I enclosed all documents social, ID and statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 closed accounts Citi cards and XXXXXXXX XXXX. I got I contact with both of them and they agreed to remove to account if I paid the accounts. I paid them and they still on my report. They was prepaid cards and I haven't received my deposit back yet either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this. 

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT. 

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).