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

In accordance with the Fair Credit Reporting Act, TransUnion, LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 6802. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with TransUnion, LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that TransUnion had possession of my information.
Product: Vehicle loan or lease

I applied for auto financing with XXXX XXXX in XXXX, Tn with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX sent the application to XXXX  XXXX XXXX.. XXXX XXXX XXXX  denied me Credit. To my understanding Credit  is a " Right '' not a privilege. XXXX  XXXX  XXXX   has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.
Product: Mortgage

1. Refusal to resolve problems, refusal to return phone calls addressing phone issues depite promises to the contrary 2. Placing overpayment when account is in good standing and regular payment was made into " borrower unapplied '' for several months instead of applying to principal as requested 3. several fees appear on customer account activity statement F/C and B/R expense ; corp advance adjustment and captial one refuses to explain what the fees are or why the fees do not appear on mortgage loan statement 4. collecting more in escrow than they are entitled to. The annual property tax is {$18.00}, XXXX and the Annual Hazard ins is {$4700.00} yet approx {$35000.00} has been collected. Approximately more than {$10000.00} has been fraudently assessed and stolen by Captial one for the year to date 5. Due to my complaints refusal to send lastest mortgage statement in retaliation
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry IS NOT an admission to this debt. 

On XX/XX/XXXX, I contacted Experian regarding a debt that was recently reported on my credit. My credit report states the collection agency is XXXX XXXX, collecting on a debt originally from XXXX XXXX XXXX. It states the collection was opened on XX/XX/XXXX. I asked for the collection agency to provide proof of this debt including the original date of last delinquency to determine if this debt is time-barred ( meaning the statute of limitations window is closed ), proof of any signatures authorizing the opening of this account, and proof that I was notified in writing from this collection agency that they were attempting to collect on this debt and that they were reporting it on my credit. 

On XX/XX/XXXX ( one day later ), I received a message from Experian stating that the company ( XXXX XXXX XXXX has certified that the information is accurate. My official statement is that this debt and the information regarding it IS NOT accurate or correct. 

The FDCPA ( Fair Debt Collections Practices Act ) requires a collector to send you a written notice containing the name of the original creditor, the amount you owe, a statement saying you have 30 days to dispute the debt and information on how to dispute the debt collection. Not only did this collection agency not provide any proof of the debt like I requested, but they also did not send me any notices regarding the collection of this debt as mentioned above. The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from debt collectors who engage in this unlawful behavior.

The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies are to only report debts that are correct and accurate. Currently, Experian is reporting this debt that falls under unlawful behavior and tactics by the collection agency.
Product: Debt collection

I paid {$64.00} for cloth in XXXX XXXX store using my Debit card, which i have receipt till now. 

After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX XXXX department / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. 

I have chat history with XXXX XXXX customer support. I want to file case against XXXX / XXXX XXXX. 

XXXX share my personal identity to XXXX different collector agency which is here below, XXXX. United recovery system agency - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. XXXX - please find attach document XXXX. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX XXXX : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,
Product: Credit reporting 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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of account number XXXX on my credit report. This account was settled and should not be listed as a collection account. As such, I respectfully request that you update your records and have this account removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or misleading information on my credit report. The continued reporting of this settled account as a collection account is misleading and negatively impacting my creditworthiness. Please take the necessary steps to correct this matter promptly.
Product: Vehicle loan or lease

In XXXX Navy Federal Credit Union repoed my vehicle. I was past due on the loan. Unfortunately, I took the loan for my Mom who defaulted and it was a hard lesson learned having it on my credit. 
They sold it at auction and my remaining balance is a little more than XXXX. For a while I was able to pay on it but I fell on hard times after and wasnt able to pay. After a few years it fell off my credit report and it hasnt affected me. 
Recently, I looked into re- establishing my membership there. My now fianc is in the navy and it makes things much easier to have an account there. I applied, and I got a response about my name being different than what they had on file. I explained I was once married however I was divorced but I NEVER legally changed my name. They explained I could complete a form to show my name was never XXXX and to show my divorce papers, and government issues ID and I could re establish my membership. 
I went into the bank to have a temporary check printed and Im told they are closing my account. The representative said the account is being closed because of a repossession you had with us. I explained it was back in XXXX and its now XXXX, Its 13 years old! 
They are wanting me to pay this loan after they have written it off, received a tax write off from the IRS! 
Now FDCPA. Law in Florida is 5 years and federal is 7 and we are at 13. 
They can not legally collect on this debt any longer. They are trying to do so!
Product: Credit reporting or other personal consumer reports

I am filing a follow-up complaint against Experian for their continued failure to update my current address on my credit report, despite my repeated efforts and provision of sufficient documentation. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Over the past year, I have submitted multiple requests to Experian to update my address and delete old addresses from my credit report. I have provided the following documentation repeatedly to verify my current address : 1. A copy of my valid drivers license showing the updated address.

2. Recent utility bills with my current address.

3. Car insurance documents reflecting my updated address.

Despite submitting these documents multiple times, Experian has not taken action to update my credit report. Both XXXX and XXXX updated my address without issue using the same documentation.

Experians inaction is now creating significant challenges for me, as my outdated address is being used in various contexts, causing confusion and potentially jeopardizing my financial management. This lack of responsiveness violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and updated information. 

I request the CFPB to escalate this issue and compel Experian to : 1. Immediately update my address to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
2. Permanently delete all outdated addresses from my credit report.

Experians continued refusal to address this matter is unacceptable and detrimental. I am seeking your urgent assistance in resolving this issue, as Experian has demonstrated a pattern of negligence in addressing my requests.
Product: Debt collection

STELLAR RECOVERY INC ; has not posted a debt for XXXX $ as a new collection item to my credit report three times on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I called to inquire why they are submitting as new collection items each time having to figure out what the XXXX $ was on my own as I did not receive any form of communication from Stellar Recovery in any shape of written, phone or electronic. They were exceedingly verbally abusive and was transferred to an auto voice giving me an email to write to them about my " concern. '' I called a second time and finally talked to someone who only said they will look into this but it is their policy to report at least once a week, in essence resetting the collection date to re-age the account and force the person to pay to avoid more credit damages.
Product: Credit card

I originally bought a sewing machine on XX/XX/year> for {$200.00}. It never came so XXXX shipped a replacement for me on XX/XX/year>. Since it was a gift for my grandmother, and it came too late i decided to just go out and buy a machine for her. After the Sewing machine arrived i returned it. It got lost in the mail on the way back, and since XXXX never received it, they charged me for the original {$200.00} machine and their replacement machine, for a total of {$440.00}. 

I tried to dispute the charge with CapitalOne. they asked for more information including the merchants return policy and documentation that i returned the sewing machine on XX/XX/XXXX. I sent over the documentation and they closed my case XX/XX/XXXX citing that i did not give them the information they needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute : Texas Attorney General Office # XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX. 

The account identified with the Texas Attorney General Office # XXXX shows I currently owed {$51000.00}. That amount is grossly inaccurate because I had consecutively paid the payee since XX/XX/XXXX, and the Texas Attorney Generals Office has proven fully satisfied and released the debt. 

The date of XX/XX/XXXX, the first delinquency on my report, is inaccurate and should have never been reported as delinquent on the consumer report. All three credit reporting agencies have continued to report inaccurate credit information mentioned in this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ran a credit report without my permission, in fact, I specifically told them I was " shopping for best rates/terms '' and to " not run my credit '' - I said this by phone and also emailed. The reply acknowledged that my credit would not be run. 
It is now on my credit report with Experian ( not sure if with XXXX  and XXXX- but will be checking ). 
Experian Rep and website said I need to dispute this directly with XXXX. 
I called XXXX and they told me that I need to dispute it with Experian. 
So, I am getting the runaround. 
Additional info is that XXXX was negligent in reporting to Experian that I closed my credit card with them last XX/XX/XXXX. So, this card was still noted as " Open '' on my credit report. 
I was able to dispute this online with Experian, however, also addressed this in my call to XXXX XXXX XXXX XXXX this morning. They confirmed that my credit was closed last XX/XX/XXXX, however, could not confirm that they reported this change to the Credit Bureaus. 
I need help to get this credit inquiry removed from my credit report. As it stands it will be there another year and a half if not dealt with.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Mortgage

Opened a HELOC with TD Bank in XXXX. They suggested $ XXXX limit, I said I only needed $ XXXX. As it turns out, they neglected to tell me that the $ XXXX loan carried an interest rate that was XXXX points lower than the $ XXXX loan ( even though I was well qualified for the $ XXXX loan ). 

Result XXXX - I have been paying excess interest to TD since 2017. 

Result XXXX - My XXXX score suffered because the $ XXXX I wound up using ( of the $ XXXX limit ) was over 50 %, and that showed " credit utilization too high ''. 

If I had taken the $ XXXX loan, I would have been paying less interest, and my XXXX score would have been higher over the past XXXX years. 

I spoke to TD about lowering the interest rate and their response was a flat NO. 

My response was to open a HELOC with another lender ( at a lower interest rate ) and pay off TD completely. 

Frankly, I have had ex-wives who treated me better than TD.
Product: Credit card

I have a Credit card still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2002, I am requesting this be removed from my credit report.
Product: Prepaid card

I opened an American Express Bluebird account for my kids and grandkids. With this account you have a choice of adding funds at a XXXX or online. I tried to add fund online and I received a security notice. I called the security number and I was told I need to email them my driver license or stay on the line while they call my bank while I verify my information. I told them no I will not email my driver license to them in XXXX XXXX they said then I ca n't use my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Attorney XXXX XXXX of XXXX had written a letter to XXXX XXXX to have them remove {$19000.00} worth of credit that we never consummated. In short, XXXX XXXX ( XXXX ) wanted to install a solar system at our residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX but they never installed it. Attached is the letter sent to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states, There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and Transunion are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isnt shared which is back 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 customer nonpublic personal information. XXXX  XXXX XXXX XXXX is a financial institution, by definition, under that title. Under 15 USC 6809 the term nonpublic information is defined as personally identifiable information provided by a consumer to a financial institution, resulting from any transaction with the consumer or any service performed for the consumer.

15 USC 1681b states that In general, subject to subsection ( c ), and 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. XXXX XXXX XXXX XXXX, the financial institution, and the consumer reporting agencies, XXXX, XXXX, Transunion, do not have my consent to furnish this information and they surely do not have my consent. XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX  XXXX XXXX XXXX never informed me of my right to exercise my nondisclosed option. Not only that 15 USC 1681C ( a ) ( 5 ) states 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681 s-2 ( A ) ( 1 ) a states 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. 15 USC 1681c 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. XXXX, XXXX, and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I have sent my opt out notice to mailed the opt out notice on XX/XX/scrub>XX/XX/2023 and also opted out online, but to no avail nothing has happened.
Product: Debt collection

I'm victim of Identity theft. This account was opened fraudulent. I've disputed this account with XXXX and CCS Collections. They will not move this account. I ask that they provide information that was provided to opened this account... including my social security number. I feel that I'm getting the run around with disputing this account. This account doesn't belong to me.
Product: Bank account or service

I have an account with Ally Bank and over the past 6 months I have overdrafted my account between paychecks. The maximum amount that my account was overdrafted for was {$75.00}. On Wednesday, I deposited a check for the amount of {$4000.00} which now Ally bank is holding until XXXX XXXX for NSF reasons. When called multiple times, Ally Bank first informed me that they were required by law to hold the funds for 5 business days due to Regulation CC ( I looked up regulation CC and informed them that had no such requirement ; Regulation CC requires them to inform me if they place a hold, not place a hold itself ). Upon providing this information, the line went silent and the agent hung up on me. I called Ally bank back and was informed, that it does n't matter what I do. All checks will be held for up to 5 business days regardless of the amount. I find it grossly unfair that a bank can place a hold for an arbitrary amount due to repeated overdrafts ( I offered to have part of my check to be held that was a reasonable multiple of the overdrafted amount in the past ). Additionally, I find it fairly misleading that banking institutions are informing consumers that they are *required* to hold funds, while rather they are required to inform consumers to hold funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX  XXXX XXXX Account # : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have to aforementioned item to be deleted off my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

15 U.S. Code 1681c2 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I sent a request to have the account removed from my credit report because it had inaccurate account information. The balance was lower than what was showing on my credit report they responded by just lowering the balance, but that is incorrect because that was incorrect on my credit report and I want to have that account removed from my report. And per definition, anything that is inaccurate on my report should be removed in this case I want to have this account removed immediately.