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

15 U.S. Code 1681b - Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure. 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. 12 CFR 1016.1 Purpose and scope. treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices,12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.

I am OPTING OUT from Foursight Capital willfully adding nonpublic private information to the third-party agencies, such as XXXX, XXXX and XXXX consumer reporting agencies without my consent. THIS IS A NOTICE.AGAIN I AM OPTING OUT FROM FOURSIGHT CAPITAL REPORTING SERVICES 15 U.S. Code 6805 - Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX, XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that ARE NOT reported correctly. 

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 XXXX 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. 

secondarily- they are not even in the slightest compliant with metro XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

Dear Transunion : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 

My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction.

Thanking you in advance. 

Sincerely, XXXX
Product: Debt collection

They call all day and all night they never answer when I pick up and they never answer when I call.
Product: Debt collection

DESIGNED RECEIVABLE XXXX is reporting on my credit file. This account is not mine. I was a victim of Identity Theft. I have provided an Identity Theft Complaint and Affidavit and Police Report to the agency and still have not gotten this account resolved and deleted off my credit file. I have also disputed this with the bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint and Request for XXXX XXXX XXXX XXXX Dear Equifax Representative XXXX I am writing to formally lodge a complaint regarding the erroneous and inaccurate information reflected on my credit report, which I obtained from Equifax. I have discovered numerous discrepancies that have had a detrimental impact on my credit score and overall financial standing. 

Despite my concerted efforts to maintain an impeccable credit record, making all payments on time, my credit report inaccurately reflects otherwise. This is a direct result of Equifax 's failure to uphold its duty under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate and timely updating of credit information. 

In light of the following points, I request that Equifax promptly take action to rectify these inaccuracies and compensate me for my time, effort, and financial losses incurred due to your organization 's negligence : 1. **Inaccurate Reporting** : The credit report contains information that is demonstrably incorrect. This includes accounts that do not belong to me and payment histories that misrepresent my consistent on-time payments.

2. **Data Breach** : Following the significant data breach in XXXX, my personal information was compromised. As a result, I have been subjected to identity theft, which has exacerbated the inaccuracies on my credit report. This is a violation of consumer law, as Equifax failed to safeguard my sensitive data. 

3. **Violation of FCRA** : According to the FCRA, consumers have the right to dispute incomplete or inaccurate information. Despite numerous attempts to resolve this issue through formal disputes, the inaccuracies persist, indicating non-compliance by Equifax.

Given the substantial harm caused by these inaccuracies, I request that : 1. **Immediate Removal** : All incorrect and inaccurate information be removed from my credit report forthwith. 

2. **Compensation** : Equifax compensate me for the time and financial resources expended in addressing these issues, as well as any damages incurred due to the negative impact on my credit score. 

Please confirm receipt of this letter within 10 days and provide a detailed response outlining the steps Equifax will take to address and resolve these issues. Failure to comply with this request will leave me no choice but to seek legal recourse to protect my rights under consumer law. 

Thank you for your immediate attention to this matter. I look forward to your prompt and favorable response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

recieved recurring phone calls about past due payment to a credit card i do not have nor applied for. They asked my informaiton to verify with what that have and said nothing matched not even the SS # but yet it is on my credit report. They would not give me any information but said they would report it as fraud. That was in XXXX. In XXXX I started getting the same calls and per a manger i finally got to speak to she showed no record of it being put as fraud and still wouldnt give me any information. She said she would have it removed and tagged as fraud and i would get an email confirming it. Never got an email and i get passed around to customer rept to customer service rep with no information. This is not my card and i want it off my report. I always pay MY bills on time and will not be repsonible for fees that are not mine.
Product: Credit card or prepaid card

Recently noticed Emails from Wisley about my debit card being declined. 
I never opened or have heard of wisley AKA My.wisley.com. 
I called them to close it out and that i believed someone opened the account without my permission and is now trying to buy things.. 
none of this makes sense because why open a bank account with someones information ( i asked if my social was in fact a open account, yes ). 
And than try to spend it.. im concerned someone might hack into my other Bank accounts or already have.
Product: Credit reporting or other personal consumer reports

Elan Financial ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Marked late from XX/XX/XXXX to XX/XX/XXXX when they had set it up on auto debit from my bank, so it was never late That was part of the arrangement. They then reported no data from XX/XX/XXXX through XX/XX/XXXX when payments were still being made. This account actually got overpaid due to the same billing errors, and they had to refund me. That was an error in the autopay system and likely also the reason for the payments incorrectly marked late.
Product: Credit card or prepaid card

While I was paying my bill I got laid off from my job. I called the company asking for what I can do to lower payments or what do they do for someone who lost their job. I was told that their wasn't a program available during that time. I call someone else after and they told me that they do have programs available, but the program that was offered I could not do. While I was about the finished the call the person said a really cruel remark to me and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

i made payments in advance to this company which is a simple interest loan not a compounded interest loan. this company reports daily interest charge as my principal balance. causing my credit score to go down. on a simple interest loan per california law is computed on a daily rate based of the apr on the principal balance from the date of the last payment to the date the next payment has been received. i made my first 2 payments early. and after that i have paid for several bigger payments. the company then reported to transunion the interest accrued prior to receiving the next payment making my principal balance increase. the credit bureau in turn lowers my credit score believing i missed a payment. i called the loan company to ask them why are they doing this to me. and to please follow the law in regards to reporting the principal balance correctly. every time i make a payment they report to the credit bureau a few days before the payments due the principal balance plus the interest charge always making my actual principal balance higher than it actually is. i sent documentation to the customer service rep. to show him exactlly what i was talking about. he acknowledge that my credit report reflect the interest is included in my principal balance instead of listing the correct principal balance. today i went to check on my credit score and i saw my score went down even further because the company had attached a statement to my report. unfortunately i can not view this statement but it is derogatory because it caused my score to decrease even further. so instead of helping me raise my credit score they are deliberatly using evil practices to hurt me. i dont understand why. i am a good client i dont cause any issues i make my payments online and i never have been late yet they treat me as if i am a bad client and even go out of thier way to hurt my credit score. i never have dealt with a company who punishes thier good customers. and i have a more in depth credit monitoring account and i saw on there that they ran my credit report multiple times for 3 months i seen it ran every day for a week then a week later it was ran multiple times yet again. must have been at leadt 14 times. as you can see in the attachment that i provided that my score was affected by going down 15 points because of the remark they added. instead of it going up because i made a payment it went down and 15 points is a lot.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

I have been using cash apps direct deposit option through XXXX XXXX. Ive received many deposits from work and my unemployment benefits, even the stimulus was deposited there for me. However on XX/XX/2020 my cash card all of a sudden stopped working declining every transaction I wanted to make. When I tried to activate my card it kept saying I was not able to then my card disappeared. I then had the option to start a new card but it kept saying it can not activate a new card for me at this time. Ive tried several times and several attempts to speak to cash app but the response is lagging. I am supposed to have received my unemployment benefits by now but cant because they wont let me activate a card. I need help, and have bills to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this without the assistance of any third party company. I writing this complaint from my understanding of the Federal Law.

Please block and/or remove this information resulting from Identity Theft from my credit report, pursuant to section 605B ( 15 U.S.C & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/17 XXXX XXXX appeared on my personal credit as a collection account for {$680.00}. I have not opened an account with this company and do not owe them anything.
Product: Credit reporting or other personal consumer reports

I have been trying to receive my credit report from Experian for the past week. I applied for a bank account and was denied. I later received thru XXXX a letter stating the decision was based upon info provided by Experian. When I went to Experian website to request a free report I was directed to complete and download their app. I downloaded the app to my android phone and was warned my phone resolution was not supported and it may no work properly. After several unsuccessful tries I finally got the website to accept my data on my laptop. later I received an email requesting I finish my registration membership by activating my account. Clicking on the complete setup button took me to the Welcome back screen to Sign In. Clicking on that button took me another screen I thought would complete my request clicking on Get Your Free Credit Report took me another screen request Account Verification. 
Completing this screen and clicking on the Submit Secure Order takes me to a screen that said We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. 
Call us toll-free at XXXX This is the number I call several times. 

The only thing it does is state the XXXX options to receive a report, online or verbal instructions which is back to these steps and the same site. I need to see what Experian has on file in my report. Because of this I placed a XXXX XXXX on XXXX as well as XXXX. There is XXXX items seen on my XXXX report that are recent entry 's as well as a recent phone call. I have good reason to believe someone has gained access to some of my personal information and is attempting to use it to commit fraud with it. Only by continued search I located this site and a number for Experian where I could place a Fraud Alert on my Experian report which I did. I just hope the initial XXXX year alert is actually placed on my report.
Product: Checking or savings account

Capital one will not allow my to release my banking info to third party apps such as XXXX or XXXX. I should be able to release my data to anyone I so choose.
Product: Debt collection

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX acct # 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: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with I C SYSTEM company I believe the original creditor XXXX XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
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. 

XXXX XXXX : # XXXX and # XXXX, XXXXXXXX XXXX XXXX  # XXXX and # XXXX, XXXX : # XXXX, XXXX : # XXXX and # 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  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.