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

Please understand I am the only person writing this with no help from a 3rd party.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. As per the regulations outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is imperative that consumer reporting agencies, such as XXXX and XXXX and Transunion conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. 

As a consumer, I am entitled to ensure the confidentiality of my personal information, as reinforced by 15 USC 6801, which underscores Congress 's stance on financial institutions ' obligation to safeguard customer privacy. Entities providing information to credit agencies, classified as financial institutions, fall under this directive. The Accounts in question are as followed XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to 15 USC 1681 section 604, a consumer reporting agency may furnish a consumer report only upon the written instructions of the concerned consumer. XXXX, XXXX and Transuion and any financial institution furnishing information to credit agencies lack my explicit consent or written authorization to do so. Therefore, any form of consent, whether verbal, non-verbal, or implied, is hereby revoked.

Furthermore, 15 USC 6802 mandates that a financial institution must inform consumers of their right to opt out of disclosing nonpublic personal information to third parties. However, I was never notified of this option by the furnisher of information to credit agencies.

Moreover, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse items of information in consumer reports without authorization. This account being reported without my consent violates this provision.

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any entity to furnish inaccurate information to consumer reporting agencies, and XXXX  and XXXX and Transunion fail to maintain reasonable procedures as required by 15 U.S. Code 1681e.

Furthermore, according to 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, a right I am now exercising.

Therefore, I demand that XXXX XXXX and Transunion and any financial institution involved cease the reporting of my information immediately.
Product: Debt collection

It saddens me that after Capital One received my complaint about account ending in XXXX they continued to claim that they believed that the FRAUDENLT account was mine. In their response to me, which I will be attaching with this complaint, was that they believed that the account was still mine. 
I am resubmitting my claim to address what they have stated to me : XXXX. My information was stolen, I was not living at the account listed in XXXX nor had any communication with anyone that was there. 
XXXX. The phone number ending in XXXX was acquired in XXXX and couldn't be used to open an account in XXXX. 

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, and a copy of my drivers license as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file
Product: Money transfer, virtual currency, or money service

Venmo has locked my funds since XX/XX/2023 I am unable to withdraw! 
they keep fooling me around with copy paste emails or they ignore my emails completely. they are a criminal organization who is fooling people in order not to payout! they stole {$1800.00} from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my consumer report and noticed that I have several inquiries that I did not authorize. Credit Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I did not authorize the following inquiries and they must be removed immediately : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/ XXXX XXXX  XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS IS NOT A REQUEST FOR DEBT VALIDATION OR VERIFICATION In accordance with the Fair Credit Reporting act, the CRA 's has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish/report an account without my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. 

see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Experian to remove these XXXX inaccurate addresses on my credit report for a while now ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX regarding removing these inquires now ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i have been asking for them to show me to show me steps and process they are taking to look at my case and i have not yet received any updates or mail regarding my issue, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. (
Product: Checking or savings account

I recieved an email on XX/XX/2021 from Wells Fargo Bank regarding suspected fraudulent activity on my account. There was a pending XXXX transaction of XXXX dollars to a XXXX  XXXX  in the XXXX. I immediately contacted Wells Fargo to confirm this was fraudulent. I requested that they stop the transaction as it was pending. I was told that the transaction can not be stopped, that after the transaction cleared i would need to file a claim. Wells Fargo is in control of the transaction and knowingly paid the fradulent transaction, which makes no sense at all. They are the bank and should be fully capable of preventing fraud., or at least should be. I began reviewing recent charges and realized that there were numerous XXXX charges all that i did not authorize and were made fradulently.On XXXX XXXX i noticed there was a pending charge of XXXX on my account which I did not authorize this time i did not take no for an answer, I called at least four times before somehow the transaction seemed to disappear as if it had never even happened. My claim of XXXX was covered under the Wells Fargo Zero Liability Protection as specified on their website.

" Wells Fargo Debit and Credit Cards come with Zero Liability protection1 at no extra cost. You wont be held responsible for unauthorized transactions, so long as you report them promptly ''.
Product: Student loan

I have problems repaying my student loans due to Navient student loans and XXXX XXXX College over charge. I believe I owe some of my student loans but the excessive amount listed is outrageous. My Student loan debt is {$110000.00}. I was not aware that my student loan debt was outrageously high I know did not apply for all those loans. I've paid 9 % of my loan. Also I know my loans should not be this high I was not in school that long because I withdrew from school. I have never received my degree from XXXX XXXX college. I contacted them recently to find out how many credits and they would not give me the information unless I submitted an application for enrollment and wanted to charge me for information I needed to just verify how many credits i had to achieve my degree. My credit has been forever been messed up due to this massive student loan debt and Navient never told me that with the account in forberance they charged me and excessively on the student loan. I am unable to get a house or live. XXXX XXXX college  messed up my life like Navient did. I was never offered a repayment plan until XXXX XXXX now my loan is in the XXXX how can I pay this. I'm stressed over this I can't do this anymore. What am I to do Navient lied to me and did not help me they dug a hole for me. XXXX XXXX college signed my name to documents and kept money. I found that they kept money from many students who attended. Please help me. I work as a XXXX XXXX  and I have no money. I explained that to Navient and they always placed my loans in forbearance and never offered any other options. Now I'm stuck with such a high balance on my student loan.
Product: Debt collection

on XX/XX/2021, i sent a letter to NATIONAL CREDIT ADJUSTERS , LLC about a alleged debt of XXXX $ that they are reporting negatively on my credit that i dont owe.i have never done business with them nor do i owe this debt. i sent the letter out usps certified mail on XX/XX/2021 w/tracking # XXXX and they got it on XX/XX/2021 and has not responded to me.please get this inaccurate item from my credit report.
Product: Debt collection

I 've requested all billing and payment statements on all student loan accounts from MRS Associates since I have paid from XX/XX/XXXX to XX/XX/XXXX. I 've corrected my address several times but nothing ever changes. There are XXXX accounts that went to collection from XXXX and I have yet to receive any documentation of payments, interest rates and charges, and payments made.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX {$170.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX BALANCED - DATE OPEN XXXX XX/XX/XXXX XXXX XXXXXXXX BALANCED {$300.00} DATE OPEN : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BALANCED {$170.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BALANCED {$190.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. XXXX, XXXX and Transunion have not complied with the laws to remove these accounts with has violated several laws as well as these credit agencies listed above. The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud. 
Some of these accounts have been paid in full and was suppose to be removed immediately but they have not done so.
Product: Credit card or prepaid card

My Discover It was issued with a very small credit line of {$1500.00} compared to my regular Discover Card with a $ XXXX.I have a excellent credit rating and a FICO score above 820.The Discover It was received with a promotion to double the accrued points ( miles ) on the anniversary date.I received this card on XX/XX/2018 and have been limited by the very low credit line.I tried to make a payment today of {$1500.00} but was denied because the payment went over by $ 33.00.Discover is keeping my credit line low to discourage me from any spending with this card.
Product: Credit reporting or other personal consumer reports

Section code 1681e I didnt give anyone any permission to run my credit please take it down off my credit report
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : - XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Debt collection

RentDebt Automation is reporting monthly an old rent debt as an active trade line collection to all three credit bureaus. 
When I spoke to RentDebt Automation on XX/XX/2021 the company shared that the debt was too old for a law suit or to be collected.
Product: Credit card or prepaid card

XXXX has been using my information and chime will not refund my money I dont have any business never taken a trip with XXXX I need my XXXX bucks they took off my card and chime and XXXX has declined my complaint when I dont have no business with them its fraudulent transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

a secondary agency reported a bankruptcy to my XXXX  credit report. 
this agency was notified that I did not consent to personal financial records being divulge to secondary agencies. 

There is a privacy law that states that finanacial records have to be given consent or have a disclosure to the specific party involved. I have stated this numerous times and have been ignored multiple times. law was listed below and this is federal law that is being broken as well as consumer law he Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT TO XXXX XXXX TO REQUEST VALIDATION OF THE ACCOUNT AND THEY SEND ME BACK JUST A COPY OF THE TRANSACTION AND THE AMOUNT WITH NO SIGNATURE AS I REQUESTED IN MY VAILDATION LETTER TO SHOW THAT I OWE THIS DEBT WITH MY SIGNATURE AND THAT WAS NOT THE RESPONSE I RECEIVED. IT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS AND THAT IS AGAINST THE FCRA LAW TO REPORT SUCH IF CONSUMER BARES NO SIGNATURE OF BEING RESPONSIBLE FOR SUCH TRANSACTION. I REQUESTED A VAILDATION 3 TIMES AND THEY FAILED TO SEND ME ANYTHING WITH MY SIGNATURE STATING THAT I AM RESPONSIBLE FOR THE ALLEGED TRANSACTION.
Product: Credit card

on XX/XX/year> I made a payment and a late fee of {$30.00} plus a currant payment in Full, on XX/XX/year>, I get a balance saying I owe a balance of {$2.00} due by XX/XX/year> and I rarely use the card, I think the company is gouging me with fees. 

The Company is : XXXX XXXX XXXXSynchrony Car Care I called company on XX/XX/year> XXXX, It was'nt easy to get a live person on the line when I taled to a lady I was told that it was a fee due to the late I'm. Confused.
Product: Credit reporting or other personal consumer reports

Experian failed to conduct a proper investigation of my credit report disputes, despite my submission of supporting documentation, including an Identity Theft Report and proof of payment. Disputed accounts include XXXX XXXX  ( fraudulent ), XXXX  XXXX ( incorrect balance ), XXXX XXXX  ( fraudulent ), and XXXXXXXX XXXX XXXX ( inaccurate reporting ). I request CFPB assistance to ensure compliance with the FCRA and resolution of these disputes.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.