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

BRIDGECREST/XXXX  continues to report asserted deficiencies on my consumer report after my CFPB complaint on XX/XX/year>, complaint # XXXX clearly REVOKING THEM ELECTRONICALLY from reporting these deficiencies. I have EVERY RIGHT TO EXERCISE AND REVOKE BRIDGECRESTXXXX FROM REPORTING ANY AND ALL INFORMATION TO THE CONSUMER AGENCIES. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801 which also states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's NONPUBLIC PERSONAL INFORMATION. BRIDGECRESTXXXX is a financial institution by definition under this title. 15 USC 1681 section 604 A section 2 does 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. BRIDGECREST/XXXX  is a financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT have my consent to furnish this information and they MOST DEFITNITLY DO NOT have my written consent. ANY AND ALL consent to XXXX, XXXX, XXXX and XXXXDrivetime whether it be verbal, non-verbal, written, implied or otherwise, is NOW REVOKED! BRIDGECREST 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. XXXX, XXXX 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: Debt collection

there is a fraud account that was opened in my name. I have requested information on all accounts in my name. the company can not verify my signature. the company has never sent me anything on this debt. I have never opened an account with XXXX XXXX. XXXX just keeps selling this debt off to XXXX different collection companies. The amount they are trying to collect is {$460.00} This account was opened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.Threre is not even a house at this address, it is a vacant lot. I have never lived in XXXX XXXX. I have never given anyone permission to open an account with XXXX XXXX. I have been dealing with this since XXXX. Someone used my previous married name. I have not used that name since XX/XX/XXXX. I have disputed this debt with the credit bureaus several times. Each time it gets taken off as fraud, until XXXX  resells the debt to another collections company. Then it returns to my credit report. then the cycle starts all over again. I want this information off all my credit reports and blocked from ever getting reported back on again. This has been reported to XXXX XXXX, XXXX  state attorney 's office, Federal Trade Commission ( identity theft report ), local XXXX  sheriff office, the XXXX  in XXXX XXXX, all collection companies, XXXX XXXX XXXX XXXX XXXX XXXX and the internet crime complaint center. The social security admin fraud department. My next recourse will be to contact an attorney.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Product: Money transfer, virtual currency, or money service

I had money someone XXXX about XXXX out of my account in XXXX  and wasnt reimbursed, when I reported it as fraud.
Product: Money transfer, virtual currency, or money service

I did a transfer of XXXX litecoins valued at approx {$250.00} each from XXXX to XXXX. The transfer process is noted in my account as pending. It usually only takes an hour. Its now 24 hours and still says pending. No one has responded to my emails asking for an update and why taking so long.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting 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

Court ordered loan modification was done. My mortgage was restructured with new terms and loan amount. I have filed several disputes and they remain unchanged. I have a signed court order by the judge that shows the new term and loan amount. But they continue to report the old loan amount causing my credit to be ruined. The report is reporting the old amount of overall loan when it should be reporting the modified amount making my loan appearing to be over the limit than what was borrowed.
Product: Debt collection

XXXX XXXX XXXX has been reporting the account as Unpaid up to the date with an open balance of {$490.00}, I created disputes thru XXXX and XXXX on XX/XX/XXXX, both disputes were declined and marked as completed saying the unpaid balance is accurate, I was advised to contact the company, which I did on XX/XX/XXXX and XX/XX/XXXX, I was told by the agents that my account was not being report to the XXXX XXXX and the original creditor might be reporting it ( CAPITAL ONE BANK USA N.A. ), they also provided me with the letter about my account being already settled and showing a {$0.00} balance thru email, because the physical letter was sent to me in XXXX, I also inquired with XXXX about the reporting entity, they confirmed the reporting part was XXXX XXXX XXXX. the debt was settled and paid on XX/XX/XXXX, the letter about the settlement being paid is dated as XX/XX/XXXX but in XXXX, the copy sent to my email in XXXX is dated as XX/XX/XXXX.
Product: Checking or savings account

I went to check my account balance via Chime and it said my account had been closed. I didnt receive any warning that this was going to happen at all. I received an email just after it happened and immediately called customer service. Spoke to someone and they couldnt give me any information so I asked to speak to a supervisor. She connected me to the supervisor who told me they were sorry for any inconvenience and said that they would transfer me to someone who could reactivate my account and that person said the same exact thing the first person said. They couldnt provide me with any information at all and the emails I received should have gone in to detail about the decision. And they did not. I got the number of the call and the name of the woman who helped me last. I asked for her supervisors name and she said she didnt know it. I also went to read the deposit agreement and I dont see how I broke the agreement at all.
Product: Debt collection

Harassment. Dropped through credit bureau dispute and placed twice on credit bureau. XXXX XXXX  XXXX XXXX Credit Card not valid unless signed. Abuse by merchant when card is only valid for Identification process. XXXX has release personal and financial information on miscellaneous acts. Misconduct, violation of privacy clause. Meets FCRA for deletion or reissuing at adjusted balance of XXXX. Business denied all attempts to process correctly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Self Financial Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 and purpose.
Product: Credit card

In XXXX, I posted a payment to my Fidelity Credit Card, operated by Elan Financial Services. 

XXXX Payment Thank You - {$5300.00} Transaction date XXXX Posted date XXXX Type Payment Reference number XXXX  XXXX The amount was almost approximately double my usual amount. 
In early XXXX, that same amount was posted back to my bank. 

I received a letter in XXXX on non-letterhead paper that the posting back to my bank was a mistake ( I had not noticed it ), and that I would be recharged in XXXX : XXXX Payment Posting Error {$5300.00} Transaction date XXXX Posted date XXXX Type Adjustment Reference number XXXX XXXX This increased my bill for XXXX to XXXX. This is approximately 3 times my usual amount, which is not insignificant to me. 

I recently received a message in my email for an offer to " Consolidate and save with a balance transfer.. '' which expires XX/XX/XXXX. 

I do get these offers, but I received one in XXXX AND XXXX. 

I just want to alert the CFPB that this happened in case it was not a mistake, but a way to guide me towards a balance transfer. 

I work with information and computers, and it I find it hard to believe that such a simple mistake could be made. It is at least concerning. 

I have all documentation for this, so if you need more information, please contact me. Thanks. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU SERVICE ASSOC ( CBSA ) is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. I will attach the dispute letter mailed to the company XX/XX/23 which is dated, and time stamped. Credit Bureau Services failed to respond to debt validation letter as well as the cease and desist. Delete the account CREDIT BUREAU SERVICES XXXX from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to you with grave concern about the unauthorized reporting of a minor delinquency on my Military Star Card account to my credit profile. This situation has not only unfairly impacted my credit history but has also violated the rights that exist to protect XXXX servicemembers like myself. 

Issue at Hand Name on the Account : XXXX XXXX Regulations Violated : Honoring Duty and Protecting Rights This situation represents a blatant violation of the Servicemembers Civil Relief Act ( SCRA ) and the Fair Credit Reporting Act ( FCRA ), legislations designed to honor the commitments of XXXX servicemembers and safeguard their financial well-being. These statutes are in place to ensure that those who selflessly serve our nation are not subject to unjust financial repercussions, especially those arising from circumstances beyond their control. 

Specifically, this unauthorized reporting potentially contravenes SCRA Section 3952, which mandates protection against default judgments and stays of proceedings for servicemembers unable to appear in court due to military service obligations. Furthermore, the unauthorized reporting of this delinquency without my consent raises concerns about the accuracy and integrity of my credit profile, potentially infringing upon FCRA Section 605 ( a ), which requires the accuracy and completeness of consumer report information.
Product: Credit reporting or other personal consumer reports

I received a email saying that I was turned down for credit and I never applied for credit so I called NetCredit and the operator told me it was identity theft attempts and I asked to optout and he would not assist me saying I had to wait for a supervisor to call me back and I had to go online and do it and called again to verify it was done and got another operator who said it was not done after I submitted a online request because I could not get help on the call to optout. I never even heard of this company and they referred to my unauthorized account as a cage.
Product: Credit reporting or other personal consumer reports

The following companies made inquiries without my knowledge or approval. 
XXXX XXXX XXXX XX/XX/2023. XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXXXXXX XXXX XXXXXXXX on XX/XX/2023. XXXX XXXX ( XX/XX/2023 a second inquiry was made ). XXXX XXXX ( a second one made on XX/XX/2023 ). XXXXXXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023. XXXX on XX/XX/2023. XXXXXXXX XXXX XXXXXXXX on XX/XX/2023. I did not authorize any of these companies to run my credit. 
I sent complaints to each of the credit bureaus by certified mail to look into these matters. I also contacted them by phone and nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90-120 days past due on XXXX   XXXX - partial account number XXXX-XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE FILED WITH FTC, I HAVE WRITTEN CREDIT BUREAUS AND CREDITOR
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A leasing company XXXX AT XXXX XXXX XXXX XXXX filed a claim against me at the end of my residence in 2015, I thought we had come to an agreement by the time I left. However, this previous account and charges that I do not owe, were sold to IQ data in XXXX XXXX XXXX now there 's nothing I can seem to do to prove to them I do n't owe this debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXX  XXXX Date opened XXXX XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX Balance : {$220.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

I have been back and forth with Wells Fargo regarding this account that is not mine I have attached an affidavit of signature provided to Wells Fargo in their response to my claim they stated that while the signatures show some differences they have proof the furniture was delivered to my XXXX XXXX XXXX address. I'm attaching Sale Remarks on the bottom of the invoice clearly stating it was NOT delivered to me but picked up at an XXXX location some XXXX plus miles away from me. I feel I have done all the investigation into this and have more then proved I did NOT make this purchase. 

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

This is my NUMEROUS 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  AV XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reinstated my conventional loan with XXXXXXXX XXXX, who had previously filed foreclosure. I got behind because of been laid off due to COVID. 
I wired the full reinstatement amount ( see exhibit 'A ' ) which included the XX/XX/XXXX payment and cost & attorneys fees. I have made all payments due since XXXX XXXX present. ( see attached 10 payments ) XX/XX/XXXX has been paid but not available on my statements as yet. 
XXXX is alleging amounts owed from the foreclosure that would be classified as fees, and are being challenged by me. Let me be clear, fees & cost are NOT regular mortgage payments and can not be reported as past due mortgage payments. These amounts have been previously paid and are being challenged by the consumer as shady and questionable business practices.