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

I see that TransUnion, XXXX, and XXXX are reporting XXXXXXXX XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or written consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b 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. According to the Fair Credit Reporting Act 15 USC 1681a-4, " 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 ''. TransUnion, XXXX, and XXXX are all 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 ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 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. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agencyprovide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process.

If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 
I have attached a copy of the items claimed to be verified, along with my previous FTC report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The unauthorized inquiries & negative impacts which appears on my XXXX consumer report does not relate to any transaction that I have made it is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute multiple times to Transunion regarding an account from XXXX XXXX XXXX. I am unable to even access my credit report because the dispute is filed yet again. I explained the account is linked to an address I have never lived at and they verified with me I only had XXXX address on my report. I asked to have it removed and they said it was verified. I asked them to verify the address was incorrect and they did verify it was wrong yet refuse to remove it. This is not only unfair but illegal. They are admitting to not doing a true and proper investigation and even if the information is proven innocent they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  XXXX XXXX Account Number : XXXX Delete for Violation
Product: Student loan

I have had XXXXXXXX loans since 2007. They are now owned by Mohela. I was in deferment for a lot of those years. I am currently working with the state and all my years that should have counted towards my PLSF are not showing as counted payments. I have reached out numerous times to them and they do not answer or disconnect immediately. They will not provide me with deferment dates or return calls. They have changed my payment schedule twice and I am receiving no notifications from them.
Product: Credit reporting

How many times do I have to tell the special people at Equifax that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, that IS A LAWYERS OFFICE AND NOT RESEDENTIAL. That proves right there that XXXX XXXX XXXX account is not mine. Also, I was told on XXXX XXXX that nothing was ever reported to you, more holes are opening in your story then there are holes in city streets. I also want to know why XXXX XXXX XXXX told me the account was closed in XX/XX/XXXX and you said XX/XX/XXXX, how are you people allowed to even be in this business? Next, as of XXXX XXXX, XXXX XXXX has told me they never communicated with you, funny how they will verify information to you and not me. Next, XXXX XXXX XXXX should have never and should never be reported as it is not mine and was discharged in settlement. Lastly, XXXX XXXX XXXX has informed me that they have requested their information be removed from my report due to a pending lawsuit against their client that they did not want to be involved with so why is Equifax keeping them up there. I want to repeat this one point again, I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, THAT IS A LAWYERS OFFICE AND NOT ZONED RESIDENTIAL!!!!
Product: Credit card

The credit union has robbed me blind. They took money from XXXX ( a student loan ) and paid an unsecured credit card of XXXX with it. XXXX can not file bankruptcy on the money that was just stolen by Navy Federal Credit Union and she needs it for school. She needs it refunded immediately. They have unlawfully stolen it from the account. This is an outrage and we are heavily contemplating legal action.
Product: Debt collection

I was a customer of XXXX XXXX XXXX. My aligners did not fit properly. I called and it took a couple months of calling and hang ups for them to finally answer. They sent me a new impression kit. A week later filed bankruptcy. The service was supposed to be lifetime warranty. I never received services provided as the retainers didnt fit. They are partnered with XXXX XXXX XXXX ( XXXX ) they are saying I owe XXXX, I have already paid XXXX. They are threatening to send me to collections. I have excellent credit. I also dont think I should have to pay for services that werent provided.
Product: Credit card or prepaid card

Comenity Bank ( Sony XXXX ) continues to charge you interest on balances that you have already paid in full. They claim that because your account isn't paid in full after an arbitrary date they set up on an account update then you are out of grace and as a result accrue daily interest charges even you have paid the amount in full. I also take issue with your statement not being updated in real time on their website thus make it impossible for you to pay your balance off completely without having to call and get the additional interest charges disclosed.
Product: Debt collection

An Affidavit of Fact and Cease and desist notice has been sent to Marcus by Goldman Sachs their correspondence address for debt verification/validation request on XX/XX/XXXX to provide proof of a debt allegedly owed. The account in question was first initiated by my personal/private identification and credit card information ( truth in lending act ). My household partner XXXX XXXX and I have made payments on this account for 12 months straight beforehand, upon fruther investigation billing errors were found including but not limited to Marcus by Goldman Sachs failing to provide me with General Disclosures which are requirements and is a violation ( among others ) by the Code of Federal Regualtions. There must be further investigation of this matter and will continue to seek relief to peacefully resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my follow up submission of my concern regarding these listed inquiries which I sent a letter to the XXXX, Equifax and XXXX Credit Bureaus dated XX/XX/XXXX. And I am asking for help from CFPB to make the mentioned 3 Credit Bureaus will do with professionalism in addressing my inquiry removal request. Please, Here is a list of inquiries that don't belong to me or were opened without my permission, and in need of deletion from them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because TRANSUNION has ignored my request to provide me with the documents that their company has on file that was used to verify accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 )  ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is showing up on my credit reports multiple times for car loans. I did not authorize them once let alone 3 time 3 days in a row XXXX XXXX is showing up three times as well
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts listed below have violated : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  : Account Number : XXXX XXXXXXXX XXXX XXXX XXXX : Account Number : XXXX my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 section 602 A. it also states a consumer reporting agency can not furnish a account without written instructions. 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: Debt collection

I have repeatedly contacted Ability Recovery Services asking for validation of a debt that is listed on my credit report. I first contacted them back in XX/XX/XXXX for a validation of debt and I never received anything from them other than an update on my credit report saying the debt was verified and accurate. My second request was sent XX/XX/XXXX asking for validation once again, nothing was ever sent besides another updated credit report saying verified as accurate. They never sent me the proof of validation I asked for.
Product: Credit card or prepaid card

XX/XX/XXXX, of 2021 I spoke with a representative and negotiated a settlement to close the card. The representative set-up payments on XX/XX/, 2021 in the amount of {$110.00}, XXXX XXXX, 2021 in the amount of {$110.00} & a final payment of {$110.00} on XX/XX/XXXX. Each payment was made timely. 
In XXXX, I started receiving collection calls from Milestone stating my account was past due and they needed a payment. 
I spoke with a representative late XXXX, 2021 who looked into the " history '' and said the initial representative did not " complete the settlement paperwork ''. 
The representative said they would need to " contact a different department to investigate '' someone was suppose to call me back in XXXX hour to discuss. No one called. But, I continued receiving collection calls. 
I have since called XXXX different times, XX/XX/XXXX & XX/XX/XXXX and I'm being told the same story of a XXXX hour wait. 
On the XXXX, I spoke with XXXX at ( XXXX ) XXXX Who " could not provide me a time of resolution ''. She then put me on the phone with a supervisor named XXXX who said nothing could be done & again, I had to wait another XXXX  hours. 
This is extremely frustrating and my credit report is taking a negative hit. 
I would like resolution to this as soon as possible.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation of Credit Report Violations Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and correcting several violations and inaccuracies on my credit report, in accordance with federal regulations.

Accuracy and Fairness : Under 15 U.S. Code 1681, consumer reporting agencies are required to maintain the accuracy and fairness of credit reporting. I have identified several discrepancies that do not adhere to these standards.

Permissible Purposes : As outlined in 15 U.S. Code 1681b, consumer reports may only be provided for permissible purposes and with the consumers written consent. I have not authorized the inclusion of certain negative accounts on my report.

Information Contained in Reports : According to 15 U.S. Code 1681c, consumer reports should not include adverse information older than seven years, except for criminal convictions. Certain derogatory marks on my report appear to violate this rule.

Identity Theft : Per 15 U.S. Code 1681c2, any information resulting from identity theft must be blocked upon verification. I request a review of my report to ensure that any such information is promptly removed.

Opt-Out Notices : 12 CFR 1016 and 15 U.S. Code 6802 require clear privacy notices and opt-out opportunities before disclosing nonpublic personal information. I need confirmation that I was provided with appropriate notices and options.

The following accounts need to be removed from my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, my address should be updated to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please also remove the non-mailable addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these issues and facilitate the necessary corrections. Please confirm receipt of this letter and provide updates on the status of these corrections within 30 days. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I checked my credit and I discovered false information on my credit report. They have the wring birthdate and I never used XXXX XXXX, XXXX, eos cca, eos caa. I dont use my credit. I requested this information be removed and I heard nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Effective XX/XX/XXXX, Lundquist Consulting , Inc. ( LCI ) became the provider of bankruptcy public record information to TransUnion. My XXXX  XXXX case # is XXXX and I filed XXXX  XXXX bankruptcy XX/XX/XXXX. XXXX XXXX was discharged in my bankruptcy andis not reflecting so on my transunion report. also, the account is reporting a payment status as 200 days late. The normal transunion dispute process has not successfully updated this account to reflect included in XXXX  XXXX. I required your assistance so this account is included in XXXX  XXXX i have attached the list of creditors including XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX ( XXXX USD ) from my Crypto.com account to fraudulent investment firm ( s ) When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( XXXX ) whether Crypto.com has XXXX its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, and also date of last payment. This grounds for removal. 

These Accounts include : XXXX XXXX XXXX and account # XXXX They also violated my rights under : 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.

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from Equifax where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Debt collection

This company is making fault reports to all XXXX credit reporting agencies saying this a retail debt which is not true it is a bad check at XXXX. Not contacted by this company to resolve this issue i called them and asked why they were saying this was a retail debt and put negative information on my credit reports. I asked them to remove it and make arrangements to pay nsf checks rep did not want to hear it.i have had bad checks in the past and resolved them and never had XXXX placed on my credit.
Product: Debt collection

Multiple calls looking for a XXXX XXXX who has never lived here or had this phone number. Told that to them, said they would take number off, but I still get their robo call. Most recent call was this a.m. XX/XX/18. Spoke with a male by name of XXXX (? ), Asked not to call again, he did not apologize and hung up on me.
Product: Credit card or prepaid card

This debt is not mine I demand that is taking off my credit someone use my information and use this card not me. If its not I will file a Cease order to the above credit repor if its not fix. I deman that this debt to take it off my three credits report its hurting me I cant do anything bc this scammers reunite my life.