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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/XXXX  XXXX XXXX  Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX Reported XX/XX/XXXX  XXXX XXXX
Product: Credit card or prepaid card

During XX/XX/2021 California EDD placed my initial disibility payments on a debit card issued by Bank of America. 

I was not able to access the funds. I called Bank of America and was told that there was suspected fraud and California EDD placed a hold on the card. 

I contacted California EDD and ws told that my claim was approved and that Bank of America should release my funds. 

I am currently receiving disability checks fro California EDD. 

I have conveyed this to Bank of America on several occasions but they are still refusing to unlock my card and release my funds which they are continuing to make a profit from Please investigate.
Product: Credit reporting or other personal consumer reports

I had submitted dispute letters to Experian in XX/XX/year> with items that are inaccurate on my credit reports. They were not fixed. I received a report stating all the items were accurate. I do not believe proper investigation was completed.
Product: Credit card or prepaid card

I have been an account holder on my Citibank Sears XXXX since 2013. I have only had one late payment in the last 3 years and recently paid off a {$900.00} balance only to get a letter stating they are closing my account. So basically I got punished because of what a system generated and no one actually looked at the actual history of my account.
Product: Debt collection

I have received repeated phone calls on a debt that I have already paid. I make the agreed upon monthly payments and have not missed a payment. However, I keep getting harassed to set up automatic payments. I have explained that I prefer to make the payments on my own and was told on multiple occasions that I would continue to receive phone calls until I set automatic payments up. They have also noted things that I have not greed upon. For example, the person I spoke with today said that I agreed to pay more money once I received my taxes. I have never stated such and explained that I am only going to make the minimum payment.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

I am a XXXX veteran, I do n't expect any special treatment for that but I want to let both you and anyone else know who may have a Barclaycard account or may be considering it just how they are. I have attached a history sheet with my own personal encounters with this company and I hope you provide some way to download it. Long story short I have been with this company since XX/XX/XXXX I started out with a XXXX credit line it was increased in XX/XX/XXXX to XXXX this only lasted 9 short months at which time in XX/XX/XXXX this line of credit was decreased after the card was paid in full to XXXX this affected my credit score they could not provide me with any reasonable for this action from the period XX/XX/XXXX thru XX/XX/XXXX they received a total of XXXX in payments from me. Again in XX/XX/XXXX the credit line was reduced now to XXXX and again after talking with them they were not able to provide me with a logical explination. This action again affected my credit score. They referred to XXXX Report as to their reasons my report reflects a XXXX score with XXXX accounts all on time payments and XXXX of them are paid in full.??? also my min payment due this month was XXXX they received a XXXX payment processed thru my bank on XXXX as instructed by me this is within their billing cycle but they are still insisting that the minimum payment is still due so this is not the first time this has occurred either can you see a pattern I can. These people should not be able to operate this way and get away with it if myself and my fellow veterans acted this way XXXX. I do n't know if you can do anything but I can hope you get a better resouloution than I did
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or update the following items : 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 card or prepaid card

I received a letter dated XX/XX/XXXX, from Bloomingdales that my account had been closed due to delinquencies. I called immediately and a charge of {$82.00} was 90 days past due. I never received the 3 bills as they were sent to an address from 4 years ago, but this letter was sent to my correct and current address. I immediately paid the bill and Bloomingdales took off the interest charges. They reported me to the credit bureaus and my impeccable credit of XXXX dropped to XXXX onXXXX with XXXX. I have written the ceo twice with no response and customer service says they have responded correctly. Why did they drop the interest, find my correct address after 3 months but blame me and ruin my credit? I have been a customer since XXXX.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer report and identified several late payments reported on my XXXXXXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX Account # XXXX ( Reported late payment dates ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX  Upon reviewing my credit report, I have discovered that these late payments are in apparent violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681a 2 ( A ) ( i ), which states : " Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Additionally, the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion
Product: Credit reporting, credit repair services, or other personal consumer reports

The following was received to my email, this being the second time this has occurred. Email was received from XXXX and sent to email address of XXXX on XX/XX/2022 at XXXX XXXX ( noting I do not have any existing account to have a member ID ) : Membership ID # XXXX Member Sign In New at Experian Here are some of the recently added products and features that you can now enjoy with your membership. 

A new way to look at auto insurance We made it easy to compare and switch your auto insurance in one place. 
Learn more Free privacy scan This lets you search the web for your personal info and helps you remove it. 
Learn more Updated app features We added personalized credit tips and made the dashboard easier to navigate. 
Learn more XXXX XXXX XXXX XXXX XXXX Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorks Basic emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account.

To ensure that youll stay up to date on account notifications, add XXXX to your address book and avoid marking these messages as spam. 

Privacy Policy View Your Consumer Right to Obtain a Security Freeze 2022 Fair Isaac Corporation. FICO is a trademark of Fair Isaac Corporation.

2022 XXXX , Inc., an Experian company. All rights reserved. 
XXXX XXXX XXXXXXXX XXXX, TX, XXXX, US Experian
Product: Debt collection

Robo calls in violation of TCPA, also releasing information that is confidential if this is not XXXX XXXX it contains information that is regarding a debt collection attempt. Their email is XXXXXXXXXXXX, XXXXRadius Global Solutions, XXXX XXXX XXXX. XXXX. XXXX XXXX, XXXX, Fl. XXXX. The account is for a credit card from 2007.
Product: Credit reporting or other personal consumer reports

FAIR COLLECTIONS & OUTSOURCING ( FCO ) continues to report information that is incorrect. EQUIFAX 's report has incorrect information about this closed and forgiven account due to ID THEFT. The acct was reported as ID FRAUD/THEFT and was BLOCKED. It keeps reappearing XXXX and XXXX were reported to the IRS for FRAUD and misrepresentation. I was issued a 1099C and the acct is to be permanently removed and XXXX blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint top ARS. ARS stated XXXX reporting of an unpaid collection account is not a violation of a cease communication request, which refers to contacting the consumer regarding the debt in question. 

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium in accordance to 15 USC 1692a ( 2 ). 

A credit report is a medium that you're communicating with me the consumer indirectly! 

ARS claims once again that the FDCPA doesnt apply to them and they continue to violate my cease and desist! 

I have given ARS over a month to cease communicating and they still continue to so. 

I have rights as a consumer that i will not continue to let this lousy third party company who stole my identifying information to violate. 

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, excep to advise the consumer that the debt collectors further efforts are being terminated. 

Im not paying it and you need to cease and communication directly and directly before i sue your XXXX under the FDCPA. 

You make a choice, XXXX or XXXX
Product: Money transfer, virtual currency, or money service

I got scammed by someone calling me from XXXX police number to scam me out of XXXX
Product: Credit reporting or other personal consumer reports

I recently tried to apply for a home loan but I was denied. After obtaining a copy of my credit report, there are some major issues that need to be addressed. I found the following accounts to be in error and would like them updated/deleted : XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX AUTO - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
I would greatly appreciate your prompt time and attention to this matter. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent {$400.00} to a friend via cash app who does not have access to that particular account. The identified number is XXXX. Ive reached out to cash app and provided them with the verifying information they asked for. They refuse to give me access to the account. They refuse to tell me why and help my further with this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX 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
Product: Checking or savings account

There is an account with Truist that needs to be addressed. Its my fathers account that is still open. He has been deceased since XXXX. I inherited his property and had the mail forwarded to my house recently as we were moving utilities, etc .... The property came into my name in XXXX and I realized I should stop the mail. 
There is a bank account statement with XXXX in it and the bank is refusing to freeze it and says we have to come to the branch. 
We are in XXXX and this is in XXXX. 
We cant just come there, they need to have a freeze placed and we want to know who is using this account!! We knew there was an account but he died at XXXX and his home was ransacked so we couldnt find any information. Supposedly there wass XXXX in an account and now there is XXXX. 
We want it frozen we want answers so we can get an attorney and figure it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

target is reporting a balance but target sold my debt to a 3rd party debt collection company and i paid off the account with 3rd party, im asking target to update balance to XXXX balance Account name TD BANK USA/TARGETCREDIT XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX
Product: Mortgage

US Bank continues to harass us. Regardless of what they tell the CFPB, they refuse to speak with me about anything. They say they are waiting for court documents and won't speak to anyone other than XXXX XXXX even though they know he is deceased and passed away 2 years ago. This time, the contact is for a completely new issue. US Bank has always paid our homeowners insurance policy. According to our insurance company ( XXXX XXXX XXXX ), US Bank made a payment a few months ago and this payment paid the entire policy until it renews around XX/XX/2021. Absolutely nothing is due until the next period starts in mid XXXX and the Insurance company won't even know the rate until early XXXX. 

In a letter dated XX/XX/2021, US Bank says our homeowners insurance has " expired ''. In this same letter, they stated that they plan to buy insurance for the property and it may be SIGNIFICANTLY MORE EXPENSIVE and may not provide as much coverage as we already have. 

Since they paid the entire premium themselves, they should be able to check their own records and see that the entire amount is paid up for at least 7 weeks. As a mortgage company, someone in their office should be aware that I can not even make a payment towards the next billing cycle until the insurance company sends me a renewal Since they plan on buying insurance for a property that is already covered, they will probably try to pass that premium on to us. We will NOT be responsible for this amount. 

Lastly, they say they will record every call to us but don't want us recording them. Colorado is a single-party consent state when it comes to recording phone calls so I have notified them verbally that I record every single call they make to me. This complaint will serve as a written notice that I will continue to record every call they make to me. 

If the CFPB or FTC would like to listen to some of these calls, please let me know and I will gladly forward the recordings. Please see last response from US Bank to CFPB. They state that they will discuss this with me but they still refuse to speak with me when I call. Also, I tried calling the phone number in the letter they sent but it goes to a 3rd party and this letter was sent by US Bank, and wasn't sent by the people at the phone number i was instructed to call.
Product: Credit reporting

I am still having issues with Equifax updating my credit report. They are still showing a student loan which is no longer open. I Feel that Equifax is also artificially holding down my credit to force me to pay higher interest rates. Since I have received an updated credit report XX/XX/2017. I am seeking an attorney for a law suite as well as forwarding this and my credit report to both U.S General Attorney and General Attorney of Nevada.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found that my credit report included a credit card and address that did not belong to me. A person in the state of New York with the same name and birthdate has this address and his bad credit is affecting mine and Ive been unable to clear it up with the original credit card holder, XXXX  XXXX XXXX ( XXXX ) card in the amount of {$4900.00}. They also would not update my report to remove the New York address despite the fact that Ive never lived there or visited the state of New York. I have a pile of documents to prove that this is not me but all 3 credit agencies will not clearly tell me what to do to remove the credit card and address from my report. This is negatively affecting my credit and has for more than a year.
Product: Debt collection

The total collection amount of {$620.00} was paid in full on XX/XX/2017 with a promise from the collection agent for account removal on credit reports. The balance is now XXXX but the collection account is never removed from my credit reports. I tried to get this issue resolved, but they are not taking my calls now. They hang up on me multiple times and put me on hold for more than 20 minutes and then hang up. They are very rude and unprofessional.
Product: Student loan

In XX/XX/2018 I had a third party company that works with Nelnet named XXXX XXXX  XXXX call me. There employee by the name of XXXX XXXX Told me if I make {$200.00} and change in payments for 5months my student  loans will be dropped from {$11000.00} to {$5000.00}. He said I was eligible for the forgiveness program. I payed up to {$1600.00} and change to this company only for it all to be a scam.
Product: Credit reporting or other personal consumer reports

Experian provide results of dispute on XXXX for : XXXX XXXX XXXX ( XXXX ) # XXXX XXXX XXXX XXXX # XXXX Experian results dated XXXX stated accounts were deleted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, However, these accounts are still on my Experian credit report. 

FCRA states that consumers have to notify consumers that deleted accounts that will be reinserted in file. 

I never received any correspondence stating deleted XXXX XXXX XXXX ( XXXX ) accounts were to be reinserted in my Experian credit report. This is a clear violation of the FCRA. 

Attached are screenshots of dispute results with several dates stating ( XXXX ) accounts were deleted and now accounts are still on my file. 

Attached is screenshots showing XXXX accounts in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and spoke to a supervisor name XXXX XXXX. I explained that I contacted XXXX XXXX and wrote letter several times disputing the numerous inquires on my Transunion credit report. XXXX did not respond as I think someone was trying to defraud me. I put a freeze on my Transunion to account to protect my identity. The Transunion reps were extremely disrespectful, as they told me they dont believe this can happen after one year. I am requesting assistance in having these fraudulent inquiries removed