23daVinci/CFPB_Complaints huggingface dataset:
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 insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX  ( XXXX XXXX on report ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and 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  never informed me of my right to exercise my nondisclosure 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 item 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 U.S. Code 1681s2 ( 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX 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 am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act 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 rights to privacy. 15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

XXXX/KAY JEWELERS has reported inaccurate information to the credit bureaus. Such as but NOT limited to ; Account Number, Creditor Name, Account Open Date, Account Closure Date, Account Charge off Date, Payment History, Names, Balance, Amount Charged Off. 

Due to the inaccuracies in my credit reports, I demand that the validation I hereby request, be validated in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of a returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please note that I am also requesting competent evidence that I had some contractual obligation in relation to the tradeline.
Product: Credit reporting or other personal consumer reports

I disputed items reported on the report and I asked companies to provide verification and validation of all information listed on the credit report reporting agencies did not give a valid or verifiable response.
Product: Payday loan, title loan, or personal loan

XXXX QC Financial Payments Fee {$30.00} Took money from my bank account that was not authorized by me with no contact informing me of any charges. The only income is my XXXX social security aka RSDI. 
I wrote via email to both lend nation and bank. 
Advised lend nation to stop the ach and stop my debit card also to remove debit card. 
Advised bank to stop payment from QC Financial. 
Have not heard a reply from neither company.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX Balance : {$5600.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXX XXXX : {$5700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a very difficult time removing an account from my Experian report that has passed its 7 year statute of limitations. I have called and asked to have it removed and instead im told that they cant remove it, they lender has to remove the information. Only I have had nothing but incorrect information put on my credit report by the lender ( XXXX XXXX XXXX ) and all they ( XXXX XXXX ) have to do is report that the information is correct and that's it. I have had no problems with XXXX or XXXX   recognizing that this account has surpassed its allotted time to report to my credit and they removed it from my report. All I want is to get this account that was opened in XX/XX/XXXX and 1st delinquency in XX/XX/XXXX off my Experian report. To make matters worse NOW instead of it being taken off my credit report it says it will remain on my report until XX/XX/XXXX!!?? Please explain to me how this is even legal. The account in question is XXXX XXXX XXXX and it was opened in XX/XX/XXXX. I have filed a complaint with CFPB before with no luck but now with the account has passed its statute of limitations it really should be a no brainer at this point. Starting to feel like the Twilight Zone. Please have this account removed from my Experian credit report.
Product: Checking or savings account

I have opened two business accounts with Truist Bank in the past 10 months. Both times they have closed the account and said it was fraudulent. I have gone into the branches myself to open them with all of my documentation and made deposits only to find out within 24 hours that they closed the. One was in XXXX that they immediately closed and the second time I tried was on XX/XX/XXXX at a branch in XXXX, Alabama. Since they feel it is fraudulent, but will not tell me why, they have refused to release the deposit I made to open the account.
Product: Credit card or prepaid card

In XX/XX/XXXX I tried to use my XXXX XXXX it was denied. Did not think anything about it, because I just paid my balance. Today XX/XX/XXXX I looked up My account and it said it was closed with a {$0.00} balance. Call Customer Service was told it was because of lack of activity. I could not understand that so I finally spoke to a credit specialist and she claims the no activity and they checked my credit again and then because I did not owe any money and my credit score had gone down they decided to close my account. How can this happen? Why did they not send me a letter, which they are now sending me within 20 days? I am shocked that a company would close an account with no balance and then check my credit to close it. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX cc # XXXX XXXX limit {$110.00}
Product: Credit card or prepaid card

I have two disputes that involves the purchase of a XXXX XX/XX/XXXXticket on XX/XX/XXXX from XXXX in the amount of {$670.00}, The tournament was cancelled on XX/XX/XXXX. The second dispute was the purchase of event insurance for the XXXX XXXX Ticket at the same exact time on XXXX website in the amount of {$50.00}. The event insurance was purchased on their site through XXXX. Ive filed disputes on XX/XX/XXXX for both charges because I contacted both companies numerous times. XXXX kept putting me on hold and even cut me off one time, but they finally agreed to a refund and sent me an email stating that. XXXX automatically refunded me for 4 other tickets to the XXXX XXXX but not for the Tickets for the XX/XX/XXXX in the amount of {$670.00}. After going back and forth with XXXX and them promising me a refund both on the phone and via email, I still did not receive a refund from either XXXX or XXXX so I filed a dispute with Citicard regarding the charges on my Citi MasterCard on approximately XX/XX/XXXX. Although I provided Citi with ample proof of the XXXX XXXX being cancelled and the emails sent by both XXXX and XXXX assuring me of a refund, Citi later closed the dispute in favor of the merchant. Nevertheless after persevering to getting the matter resolved with XXXX and XXXX, they issued the money back to my account, Thinking that the ordeal was solved, I received another notice regarding the XXXX dispute for {$670.00} dated XX/XX/XXXX again stating that the dispute was resolved in the merchants favor, although a credit had already been issued by the merchant, and that the dispute for XXXX was still open and being resolved, although I received a credit from XXXX as well. It seems like my problems are not with the merchant but with Citi who refuses to honor the credits already submitted by XXXX and XXXX so they can charge me the money and get the interest and finance charges. This is the second time that Citi has claimed to do everything that could in my favor to resolve the issue only to side with the merchant and not the customer who is completely justified in having the money credited back to my account due to cancellation of these services, thereby not receiving the services, having rock solid proof in writing from the companies that I would be receiving a refund as well as apologizing for the inconvenience. This is total disregard for the customer, and, quite frankly, a case of the lowest depths of greed and misconduct on Citicards part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

It appears I'm being charged for a loan at a school I never attended. I want this removed immediately from my loan balances and from my credit report. If the loan provider refuses to remove it, I expect you ( CFPB ) to take action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 I tried to get my reports using the XXXX 
The companies in question refused to provide me
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am victim of identity theft!! Please delete these items Immediately! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relate.s. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

the bureaus are reporting this account XXXX inaccurately, i have written the bureaus over a year, wasted time and money, and as you can tell by my documents, they still are on my reports. The fcra says they must report accurately, and they just ignore the laws for consumers, i am a single om, trying to survive in these challenging times, and i am forced to spend time and money, on something this simple. EXPERIAN AND XXXX are the bureaus that are, leaving this document in my file
Product: Money transfer, virtual currency, or money service

Our organization XXXX XXXX XXXX DBA XXXX XXXX XXXX is a 501C nonprofit organization and every year, we hosted a beauty pageant event to promote and empower women around the world. In order to participate in our pageant, a contestant must pay a {$2000.00} USD entrance fees or a {$500.00} application deposit. The entrance fees cover the cost of foods and hotel for the contestant during the pageant week. Everytime we received the payment from the contestant, Square hold our money and will not release the funds until we provide an invoice to Square. We are not a retailer and there are no invoice to provide to them. Everytime we failed to provide the invoice, they closed our account and keep our money until they are done with their investigation. 
Our website host is XXXX which is also owned by Square therefore all the payment must go through them. If we want to use XXXX, Square will charge us an upgrade fees in the amount of {$25.00} per month in order for us to use XXXX. We are a nonprofit organization, we dont have money to pay for extra fees. I need Square to stop asking me to provide unrealistic invoice. Everything is black and white on our website : XXXX
Product: Credit reporting

XXXX XXXX decided to send information to the credit reporting bureaus and alledge medical debt ( XXXX ) in total without proper verification. This should not be on my credit report because I told them I am working with my medical insurance companies to see if the charges are correct and this debt has not been properly verified and investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint as a follow up to the CFPB Complaint I previously submitted requesting the removal of the fraudulent accounts and information completely from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here id the list of accounts and information that should be removed completely from my Credit File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If ever you would claim that the disputed items belong to me, please send me copies of proof of verification as a supporting document. In the absence of such document, immediate removal of the disputed items is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA Transunion violated my rights by reporting my payment late under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

This account should not be reporting to my credit report ; XXXX account # XXXX. 
This company ( XXXX ) was involved in a class action lawsuit, and was in violation of the UCC code.
Product: Debt collection

I was contacted By XXXX XXXX at Express Collections regarding a XXXX XXXX  vet bill. I told her this was more than XXXX years ago per XXXX XXXX and can not be collection, in addition to disputed as a {$200.00} procedure no way equals XXXX  XXXX she is requesting. I requested documentation of debt, acrual of charges and signed agreement for valid debt. I also requested no further verbal communication. XXXX has decided since to call my family members and friends and let them know she is trying to reach me " regarding my debt '' she has not provided any validation of debt and is in violation of at least XXXX of the fair collections orders.
Product: Credit card or prepaid card

I called in mid XX/XX/XXXXto cancel my CC since the annual fee had been assessed by the bank. I was given a offer to downgrade the card to a no annual fee card which would result in the fee being waived. I accepted the offer. 

Two weeks elapsed and I had not received the new card nor was the annual fee waived. I called back in early XX/XX/XXXX and was promised that within next 5 days the fee would be waived and I should also receive a refund of the fee during that time. 

I still did not receive the fee refund or card so I called back on XX/XX/XXXX and spoke with supervisor ( XXXX ID : XXXX ) and she created a case ID : XXXX for the back end operations to look into it and review the call logs so that the fee can be reversed. 

I was asked to check back on XX/XX/XXXX and I called as requested but could not speak with a supervisor. I finally connected with a supervisor today and weas informed they can not waive the annual fee. I requested that the card be closed and the only balance outstanding on the card now is the {$59.00} annual fee. 

I am not legally obligated to pay this fee but want to make sure my credit report is not negatively impacted due to mistakes committed by Capital One. 

I would like to review a copy of the call logs myself if they are so confident that the commitment was never made to remove the annual fee. I need copies of both the XX/XX/XXXX and early XX/XX/XXXX transcripts.
Product: Debt collection

I received a letter dated XX/XX/18 from XXXX XXXX XXXX XXXX , XXXX. stating that I owed " Speedy Cash '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called XXXX XXXX and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the XXXX XXXX representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.
Product: Student loan

People from a phone number XXXX XXXX XXXX XXXX are calling me and my cosigner at our place of employment regarding my student loan that is not deliquent the calls are daily XXXX to XXXX times a day and I believe it is bordering on harrassment. When you try to get information they are very nasty. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. this was already included in my prior complaint and I'm including it again. 

XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX