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

I learned how to look over my credit report and to look for inaccurate and unauthorized use of my credit report 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. 

Hard Inquiries 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  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.

You may have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Heavens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt.

Please remove these accounts immediately
Product: Money transfer, virtual currency, or money service

Paypal closed my accounts for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used paypal quite frequently. My email linked to my paypal is XXXX. Please help me to restore my account. I need them for my moms therapy.
Product: Credit reporting

had requested Transunion to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Product: Checking or savings account

Well Fargo responded to the CFPB complaint by justifying their non-action because the purchase was a recurring payment. It never recurred. It was a payment of {$240.00} that happened once and was never made again. Does that mean someone can perform fraud and pay for something that could be a recurring payment and the victim will have to live with that charge? No.

This is not my doing and the purchase was one time. I should receive my funds back - the recurring aspect is not relevant in this case. I wont use a debit card on the Wells Fargo business account to avoid these issues any longer, so please do me a favor and get it done.
Product: Checking or savings account

Deposited {$2500.00} into atm Chase claims no deposit was made Machine never printed receipt/shut down and restarted with bills in machine but not for me to grab anymore
Product: Debt collection

Debt collector has original different name and address start updating info went callme to verify info never been treated on this XXXX who send collection also call XXXX to verify don't have same personal information the other person was XXXX XXXX XXXX I'm not him allready summit 3 times disputed whit XXXX to solve this matter has 3 accounts whit united revenue corporation only deleted one account and the others 2 verify as accurate????? Don't understand
Product: Credit reporting or other personal consumer reports

Carvana refuse to delete my personal information from their system Sharing my personal information and refusing to delete without my consent is trafficking on my estate with would cause harm to my estate and is identity theft holding refund after not providing service paid for
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address and names from my credit report. I have recently reviewed my credit report and discovered that an outdated names ; XXXX XXXX XXXX and XXXX XXXX XXXX ; Addresses ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX are listed under my personal information.
Product: Debt collection

creditor ; XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX  creditor account XXXX the account balance is in correct also Request original purchase agreements I am requesting the original agreements with my authorized signiture agreeing on you purchasing and selling back my personal information to a debt collecter ARS National Services Inc so there doing illegal activities
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are not complying to the there policies and responding with verifiable proof within 30 days as required by there policies for disputes
Product: Checking or savings account

My business checking account was victim to check from over the past year. A total of {$35000.00} was stolen out of my account by XXXX of my sub-contractors. This sub-contractor was depositing a check I would write to him, then re-depositing the same check again XXXX XXXX XXXX XXXX XXXX later. He would change the check date and or check number before re-depositing these checks. He did this to a total of XXXX checks. The earliest time was XX/XX/XXXX and the most recent time was XX/XX/XXXX. He was doing all these deposits via mobile deposits. 

I contacted Wells Fargo fraud department and they told me I had XXXX to report any fraudulent activity and because these frauds happened before XXXX of me calling in that my claim was denied. 

I called the bank on XX/XX/XXXX to file a formal claim. 

My argument to the bank was that how could I have possibly known that this check fraud was occurring, nothing looked suspicious to me. These were checks that I validly did write, but they were just being deposited multiple times ( a year apart from each other in most cases ). 

I'm a small business owner and don't have a full time employee to do a full bank audit every single day of the year. Minimally they should reimburse me for up to 3 months of fraud charges. This would equal me getting {$11000.00} back out of the {$35000.00} that was stolen from me. 

It's Wells Fargo 's mobile deposit software which is grossly inadequate to allow this to happen, not my negligence of not reporting it fast enough.
Product: Debt collection

This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries immediately.
Product: Credit reporting or other personal consumer reports

my information was exposed in a data breach transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are some of the inquiry that i did not give authorization to. Everything on my credit have be exposed in the data breach
Product: Credit card

GOLDMAN SACHS BANK USA ( XX/XX/2023 ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently applied for a APPLE CARD credit card and got denied on XX/XX/2023. In pursuant to 15 USC 1602 ( l ) the term credit card was used to initiate the consumer credit transaction. The term credit card means any card, plate, coupon book or other credit device used to obtain money, property, labor, or services on credit. I am the card holder and holder in due course. In pursuant to 15 USC 1602 ( n ) I am the one who came in with the credit card to initiate the transaction. It is not possible to get denied with something that I came in with. The term adverse action in 15 USC 1681 ( a ) never mentions anything to do with the consumer getting denied credit because its impossible to get denied something in which I am granting to your corporation the right to extend credit. In pursuant to 15 USC 1602 the term credit means the right granted by a creditor to a debt or deferred payments of debt or to incurred debt in deferred payments. Credit is my right and Im the one who regularly extends credit in the connection with loans and pursuant to 15 USC 1602 ( g ) I am the original creditor and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary notice. This is a private transaction and this is an unfavorable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. As an original creditor it is not lawful to be denied my right to grant credit. Furthermore my credit was used and I received no benefit from thr use of my credit. An inquiry popped on my consumer report which was the receipt of a transaction meaning somebody got paid off my credit and I received no benefit from it at all. In fact damages were done from the denial of my rights mentally and financially. Under 15 USC 1643 ( e ) the term unauthorized use means a credit card by a person other than that the cardholder who does not have actual implied or apparent authority or such use for from the cardholder which receives no benefit. Ive been discriminated against as there are no federal laws that state a credit score can deny me and my right to extend credit. Ive in good faith exercise my right and I the natural person have been discriminated against the pursuant to 15 USC 1691 Equal credit opportunity act. It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. For the damages that have been done to my mental distress and financial reputation as I take my consumer report in life seriously. I will take this to a federal level if my request to open the account in which adverse action has taken place. Im aware of my open end credit plan and right to contract unlimited credit without being denied. I demand your company reinvestigations matter and abide by federal law to open up the account in which Ive extended credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to kno why I have a wreck less driving on my record still isnt it past the time frame to where it shouldnt be showing up anymore. Its XXXX  anyways just cuz it says wreckless driving u all dont kno the situation of what happened anyways .. so until the whole story is known its not fair that I have a XXXX  driving charge on my record
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter to all credit bureau to dispute inaccurate information on my credit report according to the The Fair Credit Reporting Act all information must be 100 percent accurate across all bureau XXXX  XXXX ( Equifax XXXX ) XXXX XXXX XXXX ( XXXX Equifax ) XXXX XXXX XXXX XXXX ( Equifax ) these are some of the item like these that need to be removed
Product: Credit reporting

Good afternoon, I contacted Equifax regarding a judgment on my credit report. The Judgment was paid in full in XXXX of XXXX. I initiated a dispute in XXXX of XXXX to dispute the unpaid judgment on my credit report. The status came back as still being unpaid. I called the court and gave them the number off of the credit report and they stated that yes it was paid. I asked how the credit bureau obtained information regarding my judgment and the court stated that they do not report to ANY credit bureau. I called the Equifax number listed on the report from the dispute and was told the status was still unpaid and that they communicate with the courts electronically. I explained to the gentleman that the court did not report anything to him and he stated several times that the report says they did. I called the court a second time to verify that they in fact DO NOT report to ANY credit bureau. I did a little research on the Fair Credit Reporting Act at the following site : www.creditreporting.com According to my research the credit bureau illegally obtained the information regarding the judgment in question. 
FCRA 603 Definitions ; rules of construction [ 15 U.S.C. 1681a ] States the following : XXXX Excluded communications. A communication is described in this subsection if it is a communication ( XXXX ) with respect to which XXXX the consumer who is the subject of the communication XXXX consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; XXXX XXXX XXXX in the case of consent under clause ( XXXX ) or ( XXXX ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; I gave neither explicit nor implicit permission for the release of any information regarding said judgment to Equifax. The information obtained and displayed on my credit report was obtained illegally. It is at this time, based on the above law, that I am requesting the judgment be removed from my Equifax credit report. I have contacted their resolution team and spoke to a XXXX XXXX XXXX XXXX and she refused to remove it because it is not their company policy. 
Please feel free to contact me further regarding this situation as I would enjoy speaking to someone.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed that my credit report was full of inaccuracies. The personal information on all reports were inaccurate, they were full of wrong addresses, dates and accounts that were supposed to be closed were listed as open. I sent certified letters to all three bureaus on XXXX XXXX, and they were delivered by XXXX XXXX. I waited the 30 days to for them to reach out with a response to no avail. I called back after 50 days for the reporting agencies to act like they didn't receive my request for updates and deletion of incorrect information. They also wanted me to start a new dispute over the phone when they clearly disregarded the certified letters I sent. However, the negative information is still on my account without verifying anything. Which to my knowledge is against the law, they didn't even respond to my request for the info I requested. It has now been over 105 days and the credit bureaus still haven't sent me any report of an investigation. These inaccuracies are harming my livelihood on a daily basis. I run a business and can't get credit, purchase a vehicle or qualify for loans or bank accounts due to this ongoing problem! I need your help Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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
Product: Student loan

On XX/XX/XXXX, I discovered that my account with my federal student loan provider - FedLoan Servicing - was simultaneously paid ahead as well as two days past due. I have never paid ahead, nor have I missed a payment, during my entire history with this company, dating back to XX/XX/XXXX. In fact, I have consistently made the minimum monthly payment as determined under the terms of my income-driven repayment plan well in advance of each month 's due date. In XX/XX/XXXX, I resumed XXXX coursework at the University of XXXX, taking six total hours of classes for the Spring XX/XX/XXXX semester. I discovered in XX/XX/XXXX that my loans had been placed in in-school deferment. I wished to continue paying as normal, so I contacted FedLoan and submitted the necessary paperwork to have the deferment removed, backdating to XX/XX/XXXX. Since that time, however, I've dealt with a series of errors, beginning with my account showing as " paid ahead '' around XX/XX/XXXX. I spoke with a loan counselor in XX/XX/XXXX to resolve the issue, and continued to make my monthly payments as usual. Since I discovered the XX/XX/XXXX error, I've spoken with at least four different loan counselors and have received varying explanations and solutions, including the following : - Loan payments were misapplied, and would need to be manually reapplied, dating back to XX/XX/XXXX ( XX/XX/XXXX ). She informed me that this process would likely take 7-10 business days. 
- In pursuit of an update on the reapplication of my payments, I spoke to a loan counselor from the PSLF program on XX/XX/XXXX. According to him, one part of the system was showing as past due, while the other was showing as paid ahead. Should be fixed as of this morning ( XX/XX/XXXX ), but will call back tomorrow if not. 
- The loan counselor I spoke to on XX/XX/XXXX - XXXX, ID # XXXX - did call back on Friday, XX/XX/XXXX, and left a voice message. However, when I called FedLoan, I spoke to a different counselor who said that only the XX/XX/XXXX payment needed to be reapplied, offering two solutions : 1 ) go ahead and pay the {$76.00} that was supposedly " past due '' - an amount that has fluctuated from day to day - or wait a month to process a reapplication of the XX/XX/XXXX loan payment. I selected the latter. 

As of Saturday, XX/XX/XXXX, it appears that only the " paid ahead '' error appears to have been resolved. However, my online account now shows that I apparently owe {$100.00}, and that my account has jumped from 10 days past due as of yesterday to 42 days past due.
Product: Credit reporting or other personal consumer reports

Never gave Amazon consent to pull my credit. Heres a few Violations Amazon committed against me *Federal Laws : * 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

2. Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m *Regulations : * 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Trade Commission ( FTC ) - 16 CFR 600 *Hard Inquiry Rules : * 1. Permissible Purpose Rule ( FCRA 604 ) : Companies must have a legitimate purpose to inquire about your credit.

2. Authorization Requirement ( FCRA 604 ( a ) ( 2 ) ) : Companies must obtain your consent before pulling your credit report.

*Acceptable Hard Inquiry Purposes : * 1. Credit applications 2. Employment screening ( with written consent ) 3. Insurance underwriting 4. Credit account reviews *Time Limits : * 1. Hard inquiries remain on credit reports for 2 years ( FCRA 605 ( c ) ( 1 ) ).

2. Multiple inquiries for same purpose within 14-45 days are typically combined into one ( FCRA 604 ( a ) ( 3 ) ).

*Consumer Rights : * 1. Right to dispute inaccurate inquiries ( FCRA 611 ).

2. Right to request inquiry removal ( FCRA 612 ).

*Penalties for Non-Compliance : * 1. Civil liability ( FCRA 616 ).

2. FTC enforcement actions.

Relevant US Codes : - 15 U.S.C. 1681 ( FCRA ) - 15 U.S.C. 1681m ( FACTA ) - 12 CFR 1002 ( CFPB ) - 16 CFR 600 ( FTC ) Now that they pull my credit and denial me of credit service when I have a right according to Here are relevant US codes and guidelines regarding denial of credit : Federal Laws : 1. Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq.

2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Regulations : 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Reserve System - 12 CFR 202 3. Federal Trade Commission ( FTC ) - 16 CFR 600 Denial of Credit Rules : 1. Adverse Action Notice Rule ( ECOA 701 ) : Creditors must provide written notice of denial.

2. Discrimination Prohibition ( ECOA 702 ) : Credit decisions can not discriminate based on : - Race - Color - Religion - National origin - Sex - Marital status - Age ( provided applicant has capacity to enter binding contract ) 3. Credit Reporting Requirements ( FCRA 615 ) : Creditors must report accurate info.

Notice Requirements : 1. Reason ( s ) for denial ( ECOA 701 ( a ) ) 2. Credit score disclosure ( FCRA 609 ) 3. Credit reporting agency contact info ( FCRA 609 ) Consumer Rights : 1. Right to request credit score disclosure ( FCRA 609 ) 2. Right to dispute credit reporting errors ( FCRA 611 ) 3. Right to sue creditor for discrimination ( ECOA 706 ) Penalties for Non-Compliance : 1. Civil liability ( ECOA 706 ) 2. FTC enforcement actions 3. CFPB enforcement actions Relevant US Codes : - 15 U.S.C. 1691 ( ECOA ) - 15 U.S.C. 1681 ( FCRA ) - 12 CFR 1002 ( CFPB ) - 12 CFR 202 ( Federal Reserve ) - 16 CFR 600 ( FTC )