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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA
Product: Credit reporting or other personal consumer reports

Equifax 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I received an email where credit karma notifies my credit was checked by a mortgage lender ( New American Funding ) on XX/XX/2023. It provides a housing profile with a zipcode XXXX. I don't recognize this transaction, since I didnt look into mortgages.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

AR Resources is a collection agency trying to collect on a debt in which I 'm have no knowledge of. I have disputed this debt with the credit bureaus and have sent several letters reaching out to this agency to try and resolve this matter. They have never responded back to validate this debt and continue to negatively report this account on my credit causing me damages such as being denied by several lenders. The reporting of debt that has not been validated per the law is a violation of the FCRA and I 'm seeking further assistance to quickly resolve this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Debt collection

This one is about XXXX XXXX XXXX. 

They summit to a collection agency the I own {$550.00} Without any explanation. I did cancel XXXX XXXXXXXX XXXX long ago and have a new insurance. 

I do not own XXXX XXXX anything. at all.
Product: Payday loan, title loan, or personal loan

This company used my social security card which is my credit card. According to the USC It gives the definition of a credit card below.

15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on XXXX XXXX XXXX  and is in violation of 15 U.S. Code 1642.

U.S.C 1681m and 12 cfr 1002 because I, the consumer. made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX  and PROPSPER according to 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

By law a consumer cant deny you for credit according to number 3 above and 12 CFR 1002.7 - Rules concerning extensions of credit.

1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis.

One of these prohibited basis includes a consumer something in GOOD FAITH which I did.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$11000.00} 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

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have asked The XXXX XXXX XXXX agency to take this off of my credit. I sent letters to all three bureau to take off my credit. They took it off and put it back on This is not my account Ref # XXXX NOT MY ACCT please remove! 
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX account # XXXX this account was taken off by XXXX and XXXX but they put it back on. XXXX  never took it off Please make all 3 agencies take this off of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I purchased a {$500.00} XXXX XXXX XXXX, and it was declined for an online purchase. I called and told I needed to register my card and they sent me to an automated line. But when I type in my card number I get sent directly to a XXXX and am unable to change the pin or register the card. They then tell me to use in in store. Again it was declined. I call again and they say I need to change the pin and again send me to the automated system, or direct me the the website, XXXX, which tells me there is a problem with my card and to call customer service. After about the 5th phone call in which the XXXX states that in order to send me new card I need to go to the automated system to first register my card. But again the automated system does not recognize the card number and directs me to a different csr. And the entire cycle continues. This is a XXXX XXXX XXXX purchased from a XXXX XXXX XXXX XXXX sold by US Bank.
Product: Checking or savings account

I have been a loyal customer of Bank of America for a long period of time. Bank of America closed my business checking account on XX/XX/2020. The reason given was for a business decision. There was a large amount of funds in the account that is necessary to operate my business. Bank of America is illegally holding my money and stated that it will not be returned in a letter I received on XX/XX/2020. 

The funds that they are holding were dispersed to me from the Small Business Administration ( SBA ). I received a loan from the SBA that I must repay. By Bank of America not returning my funds to me, I can not run my business. I have no cash flow. If I can not run my business, I will not have money to repay my loan. I am extremely concerned why Bank of America closed my account, but I am more concerned that they are refusing to return my funds to me. This seems illegal and I request that these funds be returned to me immediately. I will gladly find another institution to bank with, but Bank of America has stolen my money and they need to return it.
Product: Debt collection

1. Original Creditor - 12 Capital One N.A. 
2. Collection Agency - XXXX XXXX XXXX Amount {$1900.00} Claiming Amount Owned Date Disputed XXXX Disputed Charges And Asked For VOD Validation Of Debt ***NOT Validation*** Resolution : XXXX Re-investigation in process Per XXXX : I Quote Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act )
Product: Debt collection

On XX/XX/year> MIDLAND CREDIT MANAGEMENT INC opened a account on my credit report in the amount of {$1500.00} I have never done business with, signed, or agreed to pay MIDLAND CREDIT MANAGEMENT INC anything. 
They have themselves listed as the original creditor for a debt and there is no account numbers. This is false and defamatory.
Product: Student loan

I had 3 loans for my XXXX kids who attended XXXX XXXX with Fed Loan Serv between XXXX, during that time I had a late payment. After my son graduated, he went to the XXXX and paid off all loans. This was over 7 years ago, which should have been removed from my credit report by now. I've tried numerous times to dispute this account with the credit bureaus but each time, they come back saying the dispute is completed without any change. If this agency no longer exists, how can I make sure the negative credit reporting from 2013 is removed?
Product: Vehicle loan or lease

I refinanced my vehicle in XX/XX/2022 with my bank XXXX XXXX XXXX XXXX. The bank sent payoff to the finance company Regional Acceptance Corporation. They received the check but claim they lost it. The bank sent a second check and this one did not post either because they claim it was supposed to be sent to a different address in NC and she said she threw it away. The bank calls them again and gets a good address and verifies it with several employees and sends a third check but this time its already XXXX and interest and fees have incurred and the payoff has increased. To cover the full payoff, the bank had to refinance my loan a second time, with these late charges, my payment went up and basically I got penalized for their incompetence. So on XX/XX/XXXX a Third check is XXXX  overnight and is received by Regional. They verify the reciept and say check will post in a couple of days. Today is XX/XX/XXXX. The third check has still not posted. My bank is telling my that since there was no XXXX in front of the address ( for east ) they returned the check and reversed the post. My bank asked why would you do that if you already had the check?! Whn he asked to speak to a supervisor they said she just stepped out and told him to hold. Needless to say, they never returned. My bank rep straight out told me this company is playing games. I am an XXXX XXXX XXXX XXXX and have no time to be playing on the phones as this company likes to do. I guess asking for professionalism and honesty is something these people will not do. I have already had to be stuck with late fees and interest once and I feel like they are trying to do this to me again. Please if anyone can assist with getting this matter resolved? I just want to pay off my vehicle and move on from this nightmare. These people do not care and are a second rate finance company. They should not be doing any business with anyone.
Product: Checking or savings account

I deposited an estate settlement payment in the form of a cashiers check to Chase bank. They are holding the entire amount for 10 days. They are releasing none to me. I contacted them to see what the hold up is and they are saying they havent received it. The teller in bank said it is possible that the hold can be released early. This was a lie. They are internally holding funds from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XYZ Company it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA 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 ) 77 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.

I am hereby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this account previously. I DO NOT have a contract with this company. The company reporting the credit item and it has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me.
Product: Credit reporting or other personal consumer reports

This is numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX  XXXX Balance : {$820.00} XXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that TransUinon and XXXX preform and independent investigation with XXXX XXXX XXXX account XXXX. This account is being inconsistent reported by the credit bureaus with different Date Of First Delinquency and re-aged. TransUinon is reporting for XXXX XXXX/XXXX, XXXX is reporting XX/XX/XXXX. TransUinon is reporting for XXXX XX/XX/XXXX XXXX is reporting XX/XX/XXXX. TransUinon is reporting for XXXX XX/XX/XXXX, XXXX is reporting XX/XX/XXXX. These are different years, months and dates of first Delinquency and inconsistent reporting by both credit bureaus. This account has been illegally re-aged which is a violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation showing the inconsistent reporting by the credit bureaus and re-aging of this account which is a violation of the FCRA. 


I am keeping a record of all communications with this dispute with the credit bureaus in case I need to litigate this inconsistent reporting by the credit bureaus.
Product: Checking or savings account

My login stopped working XX/XX/XXXX shortly after attempting to establish a link to an new external account. I wasn't able to call them until they opened on Mon, XX/XX/XXXX but they were unable to fix the problem. After waiting XXXX hours I called back on XX/XX/XXXX. They tried some other things but were still unable to fix the problem. The night of XX/XX/XXXX I was surprised to find that I could login, but my accounts ( a XXXX XXXX account and XXXX CDs ) weren't linked to the new login they had had me create earlier. The morning of XX/XX/XXXX the CDs were linked to my new login, but not the XXXX XXXX account. After speaking to a service representative on XX/XX/XXXX I was finally able to see my Money Market account and proceeded to again try to link to a new external account on XX/XX/XXXX, at which point the login stopped working again, so I had to wait until Monday morning, XX/XX/XXXX, to call their support line and they said they would re-open the previous ticket, but I didn't receive a call back as expected. As I prepared to call again on XX/XX/XXXX I received email saying the account had been locked because of the request to link my external account ( several days earlier ), and instructed me to call a different number. After calling that number and answering a number of security questions and the account was supposedly unlocked I still wasn't able to login and was transferred to the standard support, but they were unable to do anything and don't seem to have any interest in helping further, with the ticket open, but the support person assigned to the ticket out for the holidays.