23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by CB INDIGO.  While checking my credit report, it came to my notice that CB INDIGO has furnished an account ACCOUNT # XXXX on my Consumer Reports. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major XXXX XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by CB INDIGO  will amount to Communication. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state 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. 
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 
15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT XXXX XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or CB INDIGO, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. 

If you do not cease communication I will escalate the matter to a Federal Complaint.
Product: Credit card

Capitol One has refused to comply with The State of New York 's 25 % interest rate on New York Based and registered Banks for which Capitol One is a State of New York Based entity operating as a financial lending institution. 
A payment of {$110.00} submitted to Capitol One ( the required payment request from Capitol One as posted on the bill ) applied {$22.00} principle towards the account holder bill and the rest in interest so the account holder only gets {$22.00} credit for a {$110.00} payment. 
The Account will take over 20 years to pay back {$3000.00} This is predatory lending and does not comply with New York State Banking Laws. 

Capitol One Has refused to adjust or correct this matter.
Product: Debt collection

To the best of my recollection I received a collection notice in late XX/XX/2022 from Receivables Performance. I had no idea what this concerned and did some searching to determine that it was for a XXXX XXXX Internet account that should have been closed. 


To begin with, I did not contract with XXXX XXXX for services. I called them about this sometime in XXXX to tell them that I received a bill in my name and that I was not the account holder. I let them know that my son, XXXX XXXX, was the account holder and that the payments were his responsibility. I explained that I did not sign an agreement for services and that I did not intend to accept responsibility. I was told that they had an account with me in the past and that gave them the right to set up the billing in my name. They requested that my son contact them to change the name of the account holder. It was my understanding that this had been done. I heard nothing further about this account until late XX/XX/2022 at which time I approached my son and he promptly paid the bill. That was the first and only notice that there was a pending balance with XXXX XXXX. In turn, it appears that the collection agency sent this matter to collections without providing notice. This action has affected my credit when the account was placed in my name without my consent AND no notice was provided that this bill was outstanding prior to referral to collections.
Product: Credit reporting or other personal consumer reports

XXXX Bank is showing XXXX late payments on my credit report from almost 7 years ago. I never had a XXXX Bank XXXX XXXX, and i've been trying to get these off for 7 years as it ruined my credit and caused a lot of financial distress. i'd like these late payments removed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

information was submitted without my written consent
Product: Checking or savings account

Two fraud checks cashed by Wells Fargo. The second cleared out XXXX % of my account balance. Neither was signed, nor endorsed by me. Both looked virtually modified with copy+paste grey typed boxes and all white background. Both checks no. XXXX. The Pay To does not match the stamp on the back of the check. The bank can only tell me it should have been checked and not cashed and somehow it was. I should protect my account number. 

I have had accounts with this bank for more than 25 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On both the Equifax and XXXX  Credit Reports there is a duplicate in the derogatory marks area. There is a {$910.00} debt to XXXX XXXX XXXX XXXX that is listed twice. I want the duplicate entry deleted. That would leave 4 derogatory accounts. However, when I tried to file a dispute with Equifax online I was unable to submit the complaint. First they ask for a 10 digit confirmation number that they never gave me. Then I tried to file the complaint and the website would not accept it. Same thing with XXXX. They do not allow people to file disputes.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX - XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$230.00} XXXX XXXX - XXXX XXXX {$3600.00} XXXX XXXX XXXX - XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX  XXXX - {$570.00} XXXX BXXXX XXXX XXXX - XXXX - {$670.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$2300.00} XXXX have XXXX all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.
Product: Debt collection

When I checked my credit score on XX/XX/XXXX there was two account with doctors care posted to my score stating about collections from this company. With no prior knowledge of the debt after working with XXXX XXXX directly back in XXXX trying to get an insurance issue resolved I contacted the company and asked why I was never contacted and that the files where placed on my profile with out the chance of trying to resolve the issue before hand. They stated that they send me a letter and called me 10 times but I have record that no one ever contacted me. And also when I contacted them on XX/XX/XXXX I gave them the new information about my insurance to refile and was told I would be contacted within 24 to 48 hours with a resolution. I had to contact them on XX/XX/XXXX to follow up on the progress and was told that they did n't have all the information they needed to file the insurance. AMCOL have a record now of lying and a lack of contacting you to try and resolve the debt almost as if they do n't want you to pay the debt and take you to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Debt with XXXX  XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports.

I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 
I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 
I called XXXX  XXXX XXXX and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 
I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 
I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why XXXX  XXXX XXXX and/or XXXX will not remove this last account but I would like it either done, or explained. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

In XX/XX/year>, I applied for and was approved for an E*Trade checking account. The account number is XXXX. 
On XX/XX/year>, I deposited {$100.00} to essentially make the account active. 
On XX/XX/year>, I deposited a check in the amount of {$71000.00} with the confirmation number of XXXX. 
The balance of my account was made available on XX/XX/year>. 
On XX/XX/XXXX, I called customer service, and asked to have a wire transfer sent to one of my investment accounts. The following day, I called customer service to verify the wire, and to make sure everything was going well. Instead, I was asked to be on the phone for a three-way-call with XXXX, XXXX, and myself. Because XXXX sent a cashier 's check, I did not see the need to have this call. It seemed very unprofessional to ask me to sit in on a banking call that normally is handled by the two banks. 
On XX/XX/year>, I was asked to upload documents, so that my identity could be verified. I uploaded my CA drivers license as well as my Social Security card. I received a message on XX/XX/XXXX, stating that the documents were not captured clearly, and to follow up with a phone call. I immediately called, and was sent a link to a website where I uploaded the same documents. I was told that it would be XXXX hours to process the documents. 
I called customer service on XX/XX/XXXX to ask about the validation of my identity. I was told that there is unusually high traffic volume, which is causing a delay. 
On XX/XX/XXXX, I called and talked to someone in the back office. His name is XXXX XXXX. I was told that XXXX says the funds are fraudulent. Therefore, XXXX is freezing my account. I told this gentleman that the cashiers check is good, and that XXXX is not recalling it. I explained that the check came from a client who was paying me for interior design services. I had evidence of the check, of the invoice, and of the receipt she sent as a screenshot for proof. I was told that it didnt matter. He stated that XXXX was in charge of what happened. He said I needed to call XXXX and tell them to send the check back. I told him that it was not my job to call a bank when the check was valid and had been made available in my account. 
I called customer service to try and talk to someone about the validity of my account, but I was given no answer except that my account was being frozen for the time being. 
On XX/XX/XXXX, I attempted to log in to my account, and was unable to. I called the number provided, and was told that my account had been closed. I do not believe I was given a reason as to why my account was closed. Just that I would receive a letter. 
The letter arrived on XX/XX/XXXX. It states that the bank believes my account was opened fraudulently. It also states that if I believe the account was closed in error to please call XXXX. 
I have called several times, trying to get someone to understand that I opened the account and that it was NOT fraudulently opened. No one will give me a straight answer. XXXX has my {$71000.00}, and is refusing to send it anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX ( Original Creditor : XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Credit card

Saw partial return on security deposit and rewards balance disappeared. Attempted to use my card and it was declined. All payments have been on time ( early actually ), never went over my balance, and I was not notified about closure. Received an email on XX/XX/24 about being on track to get my deposit back and graduate to unsecured card. When I contacted Discover today XX/XX/24 they said my account was closed on XX/XX/24, less than a week from an email stating my on time payment progress. They said a letter was sent but it hasnt been. I declined providing my address for another to be sent as I clearly was not given notice or reason for the closure. Im trying to rebuild my credit and this is just going to make it worse by dealing with a deceitful company.
Product: Debt collection

On XX/XX/XXXX and again on XX/XX/2018 ( for the first time in my life ) I visited the ER at XXXX XXXX XXXX XXXX. While there I gave my insurance information and both days I paid a {$50.00} copay ... {$100.00} total for the two visits. I was seen by a Dr. XXXX on the XXXX and on the XXXX by Dr. XXXX, ( both worked at XXXX as contract ER doctors supplied by XXXX XXXX XXXX. XXXX XXXX. ( phone XXXX ) ) Not too long after this date XXXX XXXX XXXX XXXX closed it's doors and went into Chapter XXXX bankruptcy. Nearly a year later I receive a bill from a Kings Credit Service stating that no insurance had paid and that I was being charged for treatment. I contacted KCS and got no good explanation, they said they knew nothing except that I had to pay. I don't know, but, I suspect that perhaps XXXX failed to submit my claim correctly during their bankruptcy issues. Finding this problem out I quickly contacted XXXX and was told to file a form and that they would investigate. XXXX did just that and supplied me with documentation ( see attachment ) that shows that XXXX has paid these claims as submitted by XXXX. I immediately called KCS with this information. They don't answer their phone so all I could do is leave a voice message and mail info. I felt I had done the work and it was over. But no, Kings Credit Service just days ago again sent me a bill ( each time adding substantial late payment fees ) asking how I plan to pay them. Adding more insult to injury they've now also put a pretty hard hit on my credit score. As I've shared, I have complete XXXX documentation but KCS does not seem willing to even investigate what I have given them. I've done a lot of work to resolve this but I'm now becoming concerned that this maybe some sort of a scam and that the only way to deal with KCS is to pay money to them that I DO NOT owe. I do want them investigated for possible fraud, I want closure, and I really want KCS to do right and get my credit score restored to Excellent, as BTW it has been ALL of my adult life.
Product: Checking or savings account

XX/XX/2020 my stimulus check was deposited into my old bbva checking account. 
The check is for {$1200.00}. 

Ive contacted BBVA, since then Ive yet to receive my check. One representative told me they mailed it to the wrong address. I had another representative tell me they would void the check and reissue a new one to my correct address.

Two weeks pass, I send an email to check the status of my reissued check, I never response. After I reaching out again a few times after I received disrespect and no information on my check. Ive yet to receive my check or any updates on where my check is. 

This has been unacceptable from a company that I banked with and trusted. This has cause me many problems, we are in the middle of a pandemic. Everyone needs their money and Ive been neglected if mine, I feel as if they took my money.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following ITEMS from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I spoke with XXXX, XXXX, and Transunion about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

After using Western Union for years, a {$630.00} transaction was stopped. I was not informed even thought my contact information is on file. I was only made aware of an issue when the recipient went to receive the money. When I called Western Union, I was then informed that the transaction was flagged and I would have to contact a different department, via email, to fix the issue. Additionally I would not be able to use Western Union until resolved. Now one business day later still no response. In the last 2 years, I have sent 144 transactions to the same recipients totaling over {$40000.00}. Transactions ranged from {$1000.00} to {$3000.00} a month. These transactions are for mortgage payments, medical needs and financial support. I rely money transferring service to manage these needs.
Product: Debt collection

I received a notice from XXXX XXXX  XXXX bi have never had an account with them nor XXXX. This is fraud and I am convinced my bf did this. I submitted a FTC report and filed a dispute with the CRAs and ask that this item be deleted as they are violating FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX and XX/XX/XXXX i faxed documents proving my identity to Equifax.On both occasions they have denied receiving any fax although the fax had reported successful transmissions on numerous occasions.I have been trying for months now to retrieve my credit file in order for me to process my home loan.On one occasion the agent had said they had no information on my credit even though i have years of credit history that has been reported to them.I am at a loss now because my actions go nowhere.I have read other similar reports online and seems like Equifax 's practices are putting their clients at serious risk.