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

I have been trying to get my report updated with only accurate information for the last few years and I am still battling against these reporting agencies. I recently submitted yet again my 3rd written request to Experian, XXXX XXXX and XXXX to have the incorrect information updated and or removed from my credit report. To date it still hasn't been resolved.. The information these agencies have been furnishing has been inaccurate and has impacted my score negatively even though I have many accounts that are all paid as agreed and never late, the negative information has significantly dropped my score and prevented me from being able to get a car, qualify for a Home Equity agreement not to mention countless opportunities to help to further my business and take care of my family. 15 USC Code 1681s-2 ( A ) 1- 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. In addition 15 USC 1681e says " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports for the purposes listed under section 1681b of this title.

I have researched diligently and according to the FCRA 15 USC 1681 602 which says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. XXXX XXXX, Experian and XXXX are consumer reporting agencies and I am the consumer. I do have the right to protect my private information and make sure its not shared. This is backed also by 15 USC 6801. This states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information ''. Furnisher of information to credit agencies is a financial institution by definition under that title. Also 15 USC 1681 604 section 2 says " 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. The financial institutions and the consumer reporting agencies, XXXX XXXX, XXXX and Experian do not have my written consent to furnish any information. You can see in the documentation I have requested to Opt out in writing several times. XXXX, XXXX and Experian are not maintaining reasonable procedures and are in violation of the FCRA.
Product: Checking or savings account

In XXXXXXXX XXXX XXXX numerous fraudulent inquiries have occurred. These inquiries were NOT made by me. In two instance involving XXXX , they even withdrew from my capital one bank account without my permission. 
XX/XX/year>- XXXX 's attempted to withdraw {$1800.00} from my personal Capital One account, without my permission or knowledge and failed to do so due to insufficient funds. 
XX/XX/year>- XXXX 's withdrew {$1200.00} from my personal Capital One account, without my permission or knowledge. I disputed as soon as I had found out AND alerted Macys/Citibank/and Capital One of the fraud and told them not to allow any payment of this nature to occur now or in the future. 

All parties made notes to the account regarding the fraud occurrence, and to not allow this to occur again. It was not characteristic of me to pay XXXX in that manner. 

Despite my efforts and the supposed notes made on both accounts, they allowed the second fraud occurrence. 

XX/XX/year> XXXX XXXX XXXX the {$1200.00} payment ( eventually adding the entire amount to my balance ) XX/XX/year> XXXX XXXX retried the {$1800.00} withdrawal, without my permission or knowledge, and was successful. 

I was forced to call all parties yet again, regarding their failures to protect my accounts. 

XX/XX/year> XXXX 's reversed the {$1800.00} withdrawal, and added the fraudulent activities to my account. 

These issues also, with the failures of Capital One Bank, caused financial loss in the form of a bounced check and late payment to XXXX XXXX. While the FROZE my account for a LONG period, I had to use funds from alternate accounts to be able to make my rent payment. This was stressful and handled poorly... first by allowing the fraud, then by allowing the fraud AGAIN ( despite my warning ), then by freezing my activity and causing late fees and unnecessary stress.
Product: Mortgage

I have a mortgage with Axos Bank. As a result of COVID19 and mandatory order to stay home, I am unable to generate income and asked the bank to provide me with a mortgage forbearance for six month. I made this request in XXXX and was provided one month forbearance for the month of XXXX. I repeatedly asked them to extend the period and via email was told to look into refinance, the CARES ACT does not apply to them and ignored me. I also noticed today my FICO was dropped by 60 70 point by XXXX. 

I told them issue is that Im unable to generate income as a result of uncontrolled mandatory requirement by government to stay home. Im unable to make income and they are asking me to refinance. 

I have sent them numerous emails and yet to hear from them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a concerning issue regarding the personal financial privacy policy notices and opt-out annually statements provided by XXXX, It has come to my attention that XXXX may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 
As a customer of XXXX, I have not received the required personal & financial PRIVACY POLICY NOTICES and opt-out annually statements as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations. 
I demand that XXXX promptly rectify this issue by providing me with the required PRIVACY POLICY NOTICES and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward, I also request PROOF that XXXX has PERMISSIBLE PURPOSE/PERMISSION to disclose my NON-PUBLIC PERSONAL FINANCIAL INFORMATION, I also request ( NPI ) DISCLOSURE where I gave consent to disclose such information to a THIRD PARTY or the general public.

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 

I trust that XXXX will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : - Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; - Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Transunion is in violation of 15 USC 1681 ( A ) ( 2 ) ( B ). Furthermore, under investigative consumer reports : When a consumer report creates an investigative consumer report theyre not supposed to include faction information and theyre also supposed to interview your neighbors, friends, or associates. If any information from the investigation resulted as factual, it has to be excluded from the consumer report. I have made contact with Transunion and explained my rights as mentioned above demanding they remove the XXXX  account # XXXX, and inquires XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX  XXXX XX/XX/21, XXXX XXXX  XX/XX/21! Transunion has failed countless times to comply. 
Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding an unauthorized hard inquiry on my credit report. Despite my initial request, this inquiry has not been removed. XXXX and XXXX have successfully removed the inquiries I disputed with them, and I am seeking your assistance to ensure you do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX XXXX XXXX credit card in my name using my social security number. I contacted the company letting them know it was fraudulently on my credit report. They responded saying that there was nothing that they could do to fix my problem because it was verified as accurate, which is false. I have never opened an account with XXXX XXXX XXXX and never will. I have disputed this with XXXX, XXXX, and TransUnion to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today Date XX/XX/2019 This complaint involves ChexSystems. 

I received a denial letter from XXXX XXXX in regards to opening a money market account. They said their decision was made in part due to a report from chexsystems and that I should contact them for the report. 

XX/XX/2019 was my first request for the report. Which was to be mailed in 5 working days. 

XX/XX/2019 : I called chexsytems to ask where the report was and they said I should have received it and would mail another one. 

XX/XX/2019 : I filled out another request for my report. 

XX/XX/2019 : I contacted your office. 

Why don't banks send a report along with the denial letter. 

Why can't you get the report by email. The application after all was applied for online.
Product: Debt collection

I contacted the company 's number listed and they explained to me that they are basically a negotiator with a debt company and did not have an acct trying to collect on from me. I have no knowledge of a XXXX XXXX acct In my name
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 

CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the following inquiries. 
XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX
Product: Checking or savings account

Capital Ones third party service had a local power outage this week that prevented deposits from reaching accounts this week and my actual payday has now come and I still dont have my money, along with thousands of others Im seeing online. Children, food, gas, bills, medication, Ive seen it all. None of it is getting paid. 

Capital Ones generic messaging on the matter wasnt sent until XX/XX/year> XXXX XXXX XXXX and they reported the issue started on XX/XX/XXXX. 

Ive already changed my direct deposit information to no longer be sent to this bank and will be closing my account the minute the funds clear. Too late for any employer to disburse funds in a different way because this excuse of a bank already accepted all of the deposits. The fact that they have no backups for a situation like this is baffling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Contemporary Information is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Contemporary Information is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Contemporary InformationXX/XX/20. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Contemporary Information is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Product: Credit reporting or other personal consumer reports

Capital One has consistently discriminated against me while attaching their brand logo onto my email, I have applied serval times with capital one but this company willful rejects my request for use of the credit card while taking the securities from my credit application while denying my the credit that is supposed to be extended to the consumer applying, this has happened serially over a 10year period. To make matters worse capitol one has abused me and terrorized me by placing ghost ads or pop up thru out my email threads this has been psychologically damaging even as I attempted to block them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute letters into all ( 3 ) credit bureau on XX/XX/XXXX disputing accounts and inquiries on my credit report. The bureaus told me they would have their investigation completed in 30 days. They only have 2 days left to complete their investigation and I haven't heard anything from either of the companies. I will attach my dispute letters to my compliant claim.
Product: Credit reporting or other personal consumer reports

FCRA 611 ( 15 U.S.C. 1681I ) refers to the section of the Fair Credit Reporting Act that outlines the procedures for consumers to dispute inaccuracies in their credit reports, and it can be found in Title 15, Section 1681I of the United States Code.

it states credit reporting agencies have 30 days to investigate and verify the information thats inaccurate or remove it at the end of the 30 day period equifax knows i was in a data breach caused by there negligence also they are aware ive been disputing inaccurate information on my report for years im asking that equifax follow the fcra codes that govern credit reporting agencies, have some ethic and integrity and remove all inaccurate information from my report not in 60 days but 30 days from XX/XX/2023 when i made my first complaint like FCRA 611 ( 15 U.S.C. 1681I ) says in section a they are obligated to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

0n XXXX I sent Experian a reinvestigation dispute with a request to send proof of verification to which I have not yet received.they reinvestigated but did not not send me the proof of verification as a request.
Product: Debt collection

Originally there are four payday loans that were originated at XXXX XXXX in XXXX XXXX. Before they charged off I attempted to contact XXXX XXXX in collection department and they refused to get a manager involved so I can settle this before it charges off. They go ahead and charge off all for loans. One is in the amount of {$270.00} one is in the amount of {$190.00} one is in the amount of {$480.00} and one is in the amount of {$670.00}. I presume that that includes the interest at the time of charge of. And then went to a Recovery Services company called XXXX XXXX in XXXX XXXX. On XX/XX/2018 I did call And spoke to XXXX. and I offered them an {$800.00} settlement the response that I received from this company was " oh I can't even consider that because this was not has not even been reported to your credit profile '' pull the call, apparently they are recorded ... Well that is the purpose to try to settle this so my credit profile is not damaged. XXXX XXXX refused to speak with me regarding a settlement and so is XXXX XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their telephone number is XXXX. Their collectors are quite rude so I asked to have a manager call me. I did request that a do-not-call be provided due to the collection efforts on this however no one can ensure me that I would only be called once a week or once a month. I requested personally for a manager at XXXX XXXX to return my call as of today 's date there has been no such call. Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an inquiry in my report that i don't recognize. this is fraud and i want it to be removed as soon as possible Thank you. 

XXXX XXXX inquiry date XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I XXXX have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid tax lien showing on equifax. Date of filing is over 7 years ago No DOB or SSN on the records. I have disputed twice with equifax to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX  XXXX {$650.00} XXXX  XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX  XXXX  XXXX  XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$650.00}
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX card through Comenity Capital Bank. I was approved, issued the card and have used it for multiple dentist visits successfully - now with a {$2600.00} balance as expected. 

I have tried to create an account online and failed. I've tried to use their " XXXX XXXX '' portal without success. I have called every day for two weeks trying to make a payment over the phone. Each time, I am told " our system is down, let me connect you to someone who can help '' which leads to them hanging up on me. 

Simply put, I NEED to pay this card off and delete my account with this bank. I'm reading online how everyone is experiencing the same issues and I'm not sure how to proceed here. I'm feeling rather trapped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the same account on my credit file with XXXX, XXXX and Experian. The account was opened in XXXX. It was paid off in XX/XX/XXXXper my notarized lien release affidavit. I credit reporting agenices still have it on my credit report with a balance of {$540.00} and listed as a Charge Off. This has also me very damaging to my credit report since XXXX and harming me in my ability to obtain credit, good rates and a mortgage. I have sent notarized copies of paid off account from the original account holder. The credit agencies claimed they did in investigation, but didn't provide me the information from the investigation. The account is now almost 7 years old on my credit report, and they still wont remove it.