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

XX/XX/XXXX INNOVIS ET ALL AND ALL AFFILIATES XXXX XXXX XXXX XXXX, GA XXXX I tried ordering my file from Innovis back in XXXX of XXXX. I am now OPTING OUT indefinitely from any and all reporting and intend on recouping for all Violations monetarily. 
Violations of the Privacy Act of 1974 which prohibit the disclosure of information from a system of records absent the written consent of the subject individual.

5USC552 includes my rights and your restrictions as it pertains to Privacy restrictions in Federal and Court documents. Ex Bankruptcy and Child Support.

15USC1681a ( 2 ) ( A ) ( i ) says that a Consumer Report does not include a report containing information solely as to transactions or experiences Between the consumer and person making report.

15USC681a ( 2 ) ( A ) ( ii ) says it doesnt include information among persons related by common ownership of affiliated by corporate control.

15USC1681s ( 2 ) ( a ) ( 7 ) and 12CFR1022.1 ( B ) ( 2 ) ( ii ) requires that I receive a notice, And given the opportunity to opt out or dispute and negative information before it is put on my report. I have never been given a notice with said information, nor permission to report.

12CFR1022.21 ( a ) says eligibility information can not be used unless consumer is provided a reasonable opportunity and a simple method to opt out and has not opted out.

12CFR1022.24 requires it to be by mail or email and by including a privacy notice.

12CFR1022.25 says that it does not include requiring that I the consumer have to write a letter, to call, or to write to obtain form, making it only able to opt out by paper mail, or by visiting another website without providing a link to the site. ( Your own website claims that I can not opt out, and also requires a written notice in order to attempt to do so ).

12 CFR 1022.22 ( 5 ) ( C ) says I may opt out at any time.

Per the FCRA as a federally protected Consumer, I am now Opting out Indefinitely out of any and all authorization that I the consumer may have given Knowing or unknowingly, written or verbal per 15 USC 6802. 12 CFR 1022.

15USC1681n ( b ) and 15 USC1681n ( 1 ) ( A ) allows for me to recoup damages from violations at {$1000.00} per Violation.
Product: Credit reporting or other personal consumer reports

I have filed a Police Report and Identity Theft Affidavit XXXX XXXX is reporting two Fraudulent accounts on my TransUnion report. These accounts are NOT mine and need to be deleted immediately it states the following : ( Note -I was BORN on XX/XX/XXXX ) delete these accounts they are NOT MINE it says they were closed XX/XX/XXXX. This violates my Consumer Rights to Accurate and Fair reporting. Delete both accounts now and update my TransUnion XXXX XXXX! XXXX XXXX {$2700.00} XXXX XXXX XXXX Account Closed Date Closed : XX/XX/XXXX {$1000.00} XXXX  XXXX XXXX Account Closed Date Closed : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights.

As per below Section 602a : states I have the right to privacy Section 604a section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

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

In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  three  credit reporting agencies that my payments for the three months for forbearance are now being reported as 90 days late. This has tremendously brought down my credit score. I spoke with the Ombudsman from  XXXX  who assured me, as well as apologized 100 times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue   XXXX   of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work with XXXX XXXX, XXXX  and Experian for over a year. 

They refuse to investigate and acknowledge the letter form the US Federal Court.
Product: Credit card or prepaid card

I would like to know what type of math equation is used that a customer owing {$700.00} in expenses turns out to equal {$6400.00} to this date in XX/XX/XXXX. I have never known a account to continually go up rather than be paid down monthly. 

I have paid {$8100.00} on an account that if my statements are examined what is reveled is no charges in 2-1/2 years. It looks like all of my payments have been added as money owed on the account. I have more than paid for this account to be closed. 

The calculations for the credit limit added with the interest on the money that has been paid into the account has resulted in a outrageous monthly bills. 

How many letters do I have to write addressing this very problem. Capital One should be ashame of themselves taking advantage of a consumer who pays their monthly expenses. I would like advise on how to close this account out as soon as possible. There is no way fairness has ever be used since XXXX sold the account to Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I received three ( 3 ) inquiries from XXXXXXXX XXXX for credit products which aren't reflected on my personal credit report. I've never applied to any personal credit product from XXXX to obtain these three inquires. 

I received an email from XXXX to go into a branch to finalize paperwork for a credit card on XX/XX/XXXX ( email attached ). When I went to the XXXXXXXX XXXX  on XX/XX/XXXX ( I met with XXXX XXXX XXXX XXXX XXXX who finalized an application for submittal. During the meeting with XXXX I was never advised my credit report would be inquired upon multiple times for one business credit card product. XXXX advised I was only in branch to complete a Beneficial Owner Form data form, Controlling Person data form and a Business Resolution data form. While in office XXXX apologized when I showed her another credit card inquiry which occurred from XXXX and stated she would follow up own this matter immediately. 

On XX/XX/XXXX I contacted the email address XXXX asking about the multiple credit inquiries and their response was XXXX would follow up on this request directly. In which XXXX sent the email stating all inquiries would be removed in 30 days on XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX and I communicated via email, she advised all inquires would be removed ( email attached ) below. Since then nothing has been removed off my credit report from XXXX. 

On XX/XX/XXXX I received a credit inquiry from XXXX XXXX, this inquiry is reported on my personal credit and should not be reflected on my personal account. There has been no personal credit account associated with this report. 

Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX XX/XX/XXXX- this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - I never applied for this credit account. Received a letter from XXXX XXXX XXXX stating corrective action would be taken to remove this inquiry from my credit report. ( Letter attached )
Product: Credit reporting or other personal consumer reports

I recently summited on XX/XX/2024 you responded on XX/XX/2024 I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX # XXXX ) In accordance with the FAIR CREDIT REPORTING ACT law 91-505, Title VI, Section 611, Subsection A-D, Please send me an update copy of my credit report after your re-investigation
Product: Mortgage

On XXXX some XXXX XXXX XXXX of core capital lending XXXX XXXX and XXXXask me for money upfront XXXX to start the process and deposit on his account..he said thats the only way he can started the processon ( RESPA ) lines prohibits person from paying or accepting money or other bribes whit the understanding that they will receive business in return..plesase contact me if you need extra information XXXX
Product: Debt collection

TFC Credit should not have been reporting me late because they had already sold the debt. This company did not have the debt for many of the months that is showing over 90 days  late. This needs to be correct. They did XXXX the balance but told me I would need to file a complaint.
Product: Credit reporting or other personal consumer reports

the items that i request deletions from XXXX are the following because i am a victim of identity theft are as follows : XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$21000.00} MIDLAND FUNDING XXXX {$1600.00} i have provided attachments below
Product: Consumer Loan

I paid off a vehicle loan via ACH on XXXX XXXX, 2016. Funds were debited from my bank account on XXXX XXXX, 2016, Therefore, the lender had no right, title or interest in the vehicle from that date forward. It is now XXXX XXXX, 2016, and I still do n't have the title. There is no excuse for GM Financial to hold a title for so long after a payment is made, in today 's world, when payments are routinely processed overnight, especially in light of Check XXXX. A couple days, maybe, to be sure payment cleared, but three-four weeks is excessive.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX XXXX  with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I put my money into over five banks for me still say Im negative but I dont know why I dont have any money the reason for it is because all of the time Im putting money in the bank and Im not getting the money back and I was on unemployment now Im on nothing
Product: Debt collection

On XX/XX/2022, I wrote to each credit bureau about the inaccurate reporting of collections by Midland Credit Management and XXXX Collections. Per FCRA, Section 609, I requested all information related to collection accounts listed on my XXXX, XXXX, and XXXX credit reports; including the original credit application and contracts containing my signature. Per FCRA Act 15 U.S. Code 1681i Procedure in case of disputed accuracy ; Para ( 5 ) Treatment of inaccurate or unverified information shall promptly be deleted from my credit file. The collection agencies nor the credit bureaus did not fulfill my request by providing evidence these accounts belong to me. 

Additionally, it appears that my consumer rights were violated by the party that the collection agencies obtained my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting incorrect information on my credit report.
Product: Checking or savings account

On XX/XX/09 I made a deposit into my checking account for about {$100.00}. At the time my account was negative about {$15.00}. 
XXXX I use my debit card to pay for a night stay at XXXX XXXX XXXX XXXX XXXX 
XXXX I go to atm to deposit cash to pay for another night and the ATM says my account has been deactivated- I call the bank they say my account is closed for inactivity for 30 days. 
- it was not inactive as I just made a deposit and purchase the prior day. I looked up their regulations on closing accounts and a customer has 60 days of inactivity before closing. 
- after phone call I check my mobile banking app it shows my account is still active with a XXXX balance. 
- I call the customer service number on back of the card it says " your account is active with a balance of XXXX dollars. '' But this was not being reflected on the app. 
- XXXX I visit a PNC branch on XXXX XXXX and XXXX XXXX The woman teller was clearly not wanting me to view specific information. When I asked for a printout of my transaction history she responded with " sure I can give you your last transaction '' I ended up getting a list of the last XXXX months. 
- I see MULTIPLE unauthorized transactions, and incoming deposits that were being blocked by the bank so I go home and call the customer service number. 
- I talked with about XXXX different people whom all sounded like they had no education in banking. They kept saying there's nothing I can do. 
- I got to a lady who was able to go over the account history with me and what she had in her system was completely different than the printout they provided me at the bank. For example, on my printout it says a company deposited XXXX dollars on a specific date. In the lady 's system it showed that instead that company withdrew XXXX dollars. It showed no deposit. 
- XXXX I call the bank and they refuse to acknowledge my concerns and say there's no manager, they only give me their first names after asking for my full name XXXX and social. 
- They said the transactions coming in can be placed into my savings account. I don't use this account so I looked online to make sure it was still active and it happens to close today. 
- my identity got stolen a while back and this is probably the XXXX business I've came across that is misusing my information to do fraudulent crimes.
Product: Debt collection

I have received multiple phone calls from Apple Credit Card concerning overdue payment. Unfortunately, due to illness, I was unable to attend work. I intend to make the payment on XX/XX/XXXX.
Product: Credit reporting 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 ITEMS. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX  XXXX Balance : {$680.00} ; XXXX XX/XX/2021.
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal XXXX XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Product: Credit reporting or other personal consumer reports

Data Breach and applying things on my credit that shouldnt be there
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an account at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify to open an account with them because of two accounts reflecting badly on my credit report. The names of the accounts are XXXX/XXXX  and XXXX XXXX XXXX XXXX. Neither of these accounts belongs to me and I did not give anyone permission to open these accounts with my personal information. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any transactions or payments towards these accounts. I already got in contact with both companies and filed a police report regarding these suspicious accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XX/XX/XXXX I was presented with the opportunity to be a part of an assisted housing program becoming a first time homeowner. I requested a credit report on XXXX and saw that there are various unknown companies that are completely inaccurate and diminishing my legitimate credit score. I wrote and sent out letters requesting an investigation of the inaccuracies on XX/XX/XXXX. There were numerous working days that I spent on my lunch hour calling only being able to speak to various customer service representatives after repeatedly asking for their managers so that I can possibly speak over the issues within the reports - however that has been quite unsuccessful. Finally after receiving a single credit report here on XX/XX/XXXX from XXXX, with the same various inaccuracies such as names being misspelled, various addresses - I have lived in the same housing community since XXXX, phone numbers - I have had the same phone number since XXXX, places of employment - I have worked with a particular XXXX XXXX  since XXXX until my company I am associated with now has permanently hired me. On XX/XX/XXXX, I filed a police report for Identity Theft with XXXX Police Department here in my hometown of XXXX, CA. The police report was approved on XX/XX/XXXX. I have yet to hear or receive any form of communications outside of a copy of a character diminishing report and a letter stating ways to remedy IDtheft isues. I am now going to request a reinvestigation as well as provide a copy of the police report to the three major credit bureaus : XXXX, Equiffax, and XXXX  U.S.P.S Certified Mail. I have also requested a security freeze over the internet sent out XX/XX/XXXX via U.S.P.S and I have filed a complaint with FTC on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

Good evening, I am contacting you all to dispute the Avant Account, now handled by Resurgence Legal Group Ref # XXXX. I do not own this account. According to Resurgence, the account was open in XXXX of XXXX and the last payment was made on XX/XX/XXXX. I am not the owner of this account and should not owe {$5700.00} to XXXX XXXX XXXX or XXXX XXXX. Supposedly, I received a court date and was sued by a previous company XXXX sold the account. I currently have a fraud alert on my credit report. My police report number is Deceptive Practice Financial Identity Theft over {$300.00} # XXXX. If you all have any further questions contact me at XXXX. I attached the form I received yesterday XXXX. Thank you. 

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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602A.. States I have the right to privacy.

15 U.S. C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

USAA provided a letter indicating that they have chosen to close my checking account in ( approximate timeline ) XX/XX/XXXX without providing a reason. Upon calling USAA to try and resolve the issue, four different representatives were not able to find a reason as to why USAA exercised its right to no longer do banking business with me ; or that they were not allowed to disclose the reason. I was a loyal customer of USAA for nearly 20 years of my military career and had to move my funds to another bank. There was no opportunity to resolve the issue ( i.e., was it that not enough funds were in the account, was a signature missing, was my address not updated? ). After getting married recently in XXXX, my spouse who is also XXXX XXXX military set up a joint USAA account for us. I received a letter on XXXX XX/XX/XXXX indicating that after careful evaluation, USAA is exercising its right to no longer do banking business with me, with an effective close date of one month from the date of the letter. After calling USAA again, the response from XXXX representatives ranged from : " If USAA decides not to be your friend, then there is nothing you can do '' to " we are not even told the reason so we are unable to tell you the reason. '' This really begs the question of whether USAA is using some black box algorithm to flag accounts and there is not a human in the loop to actually go in and make sure that what is being flagged makes sense. There should be a reason provided as to why accounts are being closed, and an opportunity to remedy. Also, after my spouse ( who has been with USAA for over 15 years ) indicated that if we are not able to have a joint account that we will no longer do business with USAA. XXXX representative said thank you, have a nice day and the other offered to help close the accounts.