23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXL Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

Submitted FTC Identity theft fraud affidavit prior. Transunion has not deleted inaccurate information within 72 hours per the FCRA of receiving my identity theft affidavit. Account as a result of fraud is reporting inaccurate addresses in Idaho not associated with my personal information. Accounts that resulted from identity theft are XXXX XXXX XXXX and XXXX. The accounts were re-inserted after being deleted due to prior identity theft affidavit 's with the same account numbers, same account balances, and same account open dates. This is a re-insertion violation by the FCRA. Both accounts are reporting or have reported inaccurate addresses. Transunion is also required by the FCRA to notify me, the consumer, of the removal of blocked items previously. I was never notified of the re-insertion and removal of the block, after these items were previously deleted and blocked. See 15 U.S. Code 1681 ( 5 ) ( ii ) " Notice to Consumer ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I am currently experiencing financial hardship and would like to find a way to freeze credit reporting for the month XX/XX/XXXX. As you are aware, annual funding for part of the Federal Government expired on Friday, XX/XX/XXXX. Certain Government activities ceased due to a lack of appropriated funding, and designated pre-notified employees of the federal government agencies would be temporarily furloughed. Request to all three of the National Credit Reporting Bureaus to freeze monthly credit reporting for XX/XX/XXXX. My problems began XX/XX/XXXX, when as a current Federal Government employee and because of a lapse in appropriations of the Federal Government Budget my employer the XXXX XXXX XXXX ( XXXX ) curtailed certain activities. The United States Congress annual appropriations fund salary payroll and is suspended by law. XXXX employees who perform non-excepted work paid by the lapsed in yearly budgets must be furloughed. 
I am not trying to avoid my responsibilities, I am seeking NO NEGATIVE ( reporting " Late '' by the Three Major Credit Bureaus.
Product: Credit card or prepaid card

I recently got a new card from XXXX but i been had an account with them, i didnt know that they changed my account number also. So i open a credit card with capital one, i paid my bill with my bank card but i use the account number that i had on on file when i first opened my XXXX, i didnt know XXXX  tgave me a new account number they never notified me. So i used the account number to pay my capital one credit card bill and disnt notice till after it wasnt going through so i called XXXX and asked them whats going on and they told me they gave me a new account number so now I finally found out i got a new account number i used it for my capital one credit card bill, it went through to only found out they close my account without warning me and telling me the payment wasnt going through i begged and cried for them to open it back up because i really need it i pay my rent with my credit card but they did not care
Product: Credit reporting, credit repair services, 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.

I will attach a file below that states all of the accounts that were affected by this claim.

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

Experian has been far the worst agency to work with, they have over XXXX fraudulent address and XXXX fraudulent last names. on my file that they refuse to remove, along with XXXX fraudulent accounts. Every time I write them they send me a letter saying its not legitable? when all my documents are typed out with XXXX point fonts double spaced. and I blow up every copy to prove my Identity. They have cause me a lot of XXXX issues. they refuse to remove, they never help and they send Generic response telling me to take it up with the creditor. I have done that with my Drivers License my state ID my passport proving I was out of the Country for three years. Experian has refused to help me as a Customer to resolve the matter. They never help I have tried to get help when I first noticed the fraud on my report and they are the last to help. I have sent so much proof to the company along with way to much info to the company that the fraud happen at. Please help me. 
XXXX Also Known As XXXX open XXXX cards within months from each other while I was out of the country. I sent them all the documents and they refuse to remove it. and Experian refuses to clean up my credit report from wrong and fraudulent address and last names.
Product: Credit reporting, credit repair services, 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. 

SXXXX XXXX account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX 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, credit repair services, or other personal consumer reports

I received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.
Product: Credit card

The APR on my Citibank Home Depot store credit card account has increased to 29.99 % even though I have been a card holder for over a decade and pay my credit account payment each month on time or before the due date and pay above the minimum amount due each month. I am a good credit customer yet, I am being penalized with outrageously high interest rates. Based on my monthly statement, if I pay only the minimum payment, it will take 19 YEARS to pay off the balance of ~ {$6000.00}. NINETEEN YEARS!!!!!! If I pay ~ {$50.00} above the minimum payment it will still take 3 years to pay off, paying almost {$3000.00} in interest above the actual balance and assuming no additional charges will be made to the card. 

I have called the customer service line on XXXX XXXX XXXX requesting a decrease in my interest rate and the customer service manager stated there is no way to reduce the interest rate they can only increase the rate based on their own arbitrary decisions. The Federal interest rates have decreased, yet the APR on my Citibank Home Depot store credit card is INCREASING. 

The extreme interest rate is absolutely unacceptable.
Product: Credit reporting or other personal consumer reports

I contacted all XXXX credit bureaus via certified mail on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( provided proof ) and each company requesting validation abd accuracy of debit. I asked them to provide who from their company provided info to credit bureaus. I did not authorize any information to be shared and demanded they remove all information. They have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus about inaccurate accounts on my credit reports. They claimed they investigated the problem but didnt solve it. Along with this compliant im attaching my recent dispute letters with all the information included sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX  Acct # XXXX ( Experian, XXXX, XXXX ) 2. XXXX XXXX Acct # XXXX ( Experian ) 3. XXXX XXXX XXXX Acct # XXXX ( Experian )
Product: Debt collection

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the UNVERIFIED debt of XXXX XXXX with a balance of XXXX, acct. # XXXX   with Credit Control LLC, acct. # XXXX listed is not deleted immediately from your file and my credit report.

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending  litigation provided you fail to comply with this offer of settlement. 

To my knowledge, I never done business with your company and I have no legal binding contract. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA because I have no contract with XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if Credit Control XXXX XXXX with a balance of XXXX is not deleted immediately from your file and my credit report. 


This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 
I hereby request that you provide a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). Again, do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law within this letter date. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a loan through PayPal 's " Pay Monthly '' service for about {$420.00}. I was denied and the reason I was given for the denial was due to missing information about my credit score or history. 

The issue is I have applied for six different loans through this service and was approved without any issues. In fact some of the loans that I got approved for exceeded the amount I was applying for. 

When contacting PayPal 's customer support over this issue they basically say they can't fix it because their systems do a random background check. When asked if paying off any of the preexisting loans would help the process they simply give you a non answer. 

Additionally, PayPal 's application process says that this service can affect your credit score or history, but none of the credit bureaus that I have contacted have this information and they don't have any information regarding my on time payments for these loans.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX, XXXX, TransUnion Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

under 15 U.S. Code 1681e ( b ) Accuracy of report XXXX a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy ot the information concerning the individual about whom the report relates. 

15 U.S.Code 1681i ( XXXX ) Treatment of inaccurate r unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Bank account or service

I am writing to make a formal complaint regarding the assessment and adjudication of said fees on my Bank of America checking account. 
I called Bank of America Customer Service this morning XXXX XXXX 2016. XXXX previous calls were made with no connect made due to high call volumes and wait times between XXXX and 50minutes. 
- I spoke initially to XXXX and subsequently to her supervisor XXXX XXXX. 
- I requested a review and consideration of reversal for at least some of the fees assessed to my account XXXX of which have come in the last 6 days. 
- I pointed out that attempts were made to bring the account to date as soon as email notification was received. 
- Same day deposits were ignored and fees were assessed regardless. 
- A total of {$420.00} in fees have been assessed to my account in the last Year - A total of {$170.00} in fees have been charged to my account in the last 60 days - A total of {$70.00} in fees on a single transaction for {$70.00}, for which I made XXXX deposits totaling {$50.00} - I have been a Bank of America customer for over 10years - XXXX XXXX adjudicated claims as non-reversible and ended the call on that note. 
- I would like to request a second review and at least some of the funds returned. 

The fact that bank of America can charge {$420.00} in fees on low balance checking accounts, routinely and without any moral dilemma about it shows a callousness and complete disregard for its customers. 

I would like to see some measure of amelioration applied to my case. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states 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 credit. Notice, Congress said ANY card. The card that was used was my social security card. It was reported to the credit bureaus as well. They needed my social security card for the application and gave me an inquiry. Its against the law.
Product: Debt collection

I have a pest control service that comes at random times without telling me to provide pest mitigation services outside my home. They sent me an en email on XXXX about paying for their services and I missed the email. They did not attempt to leave a voicemail or send a paper notice. I paid as soon as I realized that I missed their email on XXXX. I then started getting debt collection text around XX/XX/XXXX. I emailed the pest control company, XXXX and they confirmed my debt was paid on XX/XX/XXXX and XX/XX/XXXX. I continued to get text messages multiple times a day from a debt collector, A.R.M. solutions and received a paper collection notice dated XX/XX/XXXX. I called XXXX again on XX/XX/XXXX and they confirmed again that my account was paid in full. I called A.R.M solutions and they said they had no record of my account being updated or paid. They even said they would call XXXX and when I asked if they had XXXX 's number, they said actually their not allowed to call and verify the debt during the pre-collection phase. At this point, A.R.M. solutions is not verifying my debt and is refusing to help. Their California License No is XXXX.
Product: Debt collection

I have previously contacted the company Worldwide Asset Recovery about calling my place of employment and then speaking to my co-workers about my personal financial issues. The Rep. contacted me and then threatened me. he called my place of employment and told a co-worker that he was sending a sheriff to my home. Sometime after that I was contacted by a Rep. XXXX XXXX XXXX who initially refrained from calling my place of employment but then he began the same practice. I was verbally warned by my employer about incoming phone calls. The I received an automated Robotic styled phone call that said I was in a lot of trouble and XXXX help my soul. I researched the number XXXX and found out it was from XXXX XXXX Calling center. I also found out there 's other complaints about the same type phone call from that number. I also have in my person an email laying out threats.
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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : CITI Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX AUTO FIN Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX 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 a victim of identity theft someone has used my personal information to obtain goods and services using my personal information.i have sent in all supporting documents to support my cliam on these matters to all three credit reporting agentcies and the fraudulent accounts came back as verfied and accurate.