23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : Amount : {$2000.00} Outstanding balance : {$0.00} Date : XX/XX/2011 Account number : XXXX
Product: Debt collection

In violation of the Fair Debt Collection Practices Act, Attorney XXXX XXXX XXXX, Johnson, Blumberg Associates, LLC filed the attached Notice of Sheriff Sale XX/XX/2022, and caused the same to be served on my wife and I, who hold a deed to the property with stating the Judgment to be satisfied, in violation of the FDCPA. Upon receiving notice of the sheriff 's sale, I immediately contacted Johnson, Blumberg Associates, LLC and spoke to an employee that identified herself as : XXXX. I explained the Notice of Sheriff Sale did not list the Judgment to be satisfied. She stated she would have that amount emailed to me that day or at the latest the next day, XXXX  XX/XX/2022. It was never emailed. This violates the FDCPA. Further, for years the mortgage holder servicer ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  ; and the mortgage holder : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEEE FOR CERTIFICATEHOLDERS XXXX XXXX, ASSET-BACKED CERTIFICATE, SERIES XXXX, has repeatedly failed to comply with federal after we have received written authorization from their client and he also gave verbal authorization to the servicer who gave us a quit claim deed to stand in his shoes to pay off his mortgage so we can clear the stain on the title. 15 U.S. Code 1639g, states : - Requests for payoff amounts of home loan. A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or on behalf of the borrower. In fact the attorneys for the XXXX XXXX XXXX XXXX and its servicer, XXXX, Attorney XXXX XXXX, XXXX XXXX XXXX and Attorney XXXX XXXX, have mislead courts on a material factual matter, to wit : they in fact had the required authorization to provide a payoff letter, whether for use in an assumption or for the Plaintiff to get an outside loan, and made a material misstatement of fact that they could not provide a pay off letter. This violates federal law as shown above.
Product: Credit reporting

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX acct-XXXX, Tax Lien acct-XXXX.
Product: Checking or savings account

still no XXXX bonus! Over 4 months. Did what was required to do!! 2nd complaint as CFPB has not done a thing except to say last complaint from 1 month ag is in progress and key bank needs more time!!
Product: Credit reporting or other personal consumer reports

have contacted all companies : Equifax, XXXX, and XXXX, and expressed my request for them to remove the inquiries. However, I was informed that they would do so, but they never have. They furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ). The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. The purpose is certified in accordance with section XXXX ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). I have been added in several data breaches : Data breaches : Review the data potentially exposed in 10 breaches : XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Pulse Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Email List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I, XXXX XXXX XXXX, was denied an extension of credit by Bank of America for the and I understand that " credit '' is the right granted pursuant 15 USC 1601 ( f ) and I am the " creditor '' pursuant 15 USC 1601 ( g ). When I applied for a XXXX XXXX Credit Card. In good faith I exercised my right to credit in which I intended for my personal, family and household use and was discriminated against pursuant to 15 USC 1691a ( 3 ). I understand that no personal information shall be taken for public use without equal and or just compensation pursuant to the US Constitution. entered into a consumer credit transaction with Bank of America by submitting an application which became an asset when I entered my name, address, phone number, email and social security number which secured an account in which I received No Benefit. Since I received No Benefit pursuant to 15 USC 1602p this is an unauthorized use of the consumers social security number/credit card pursuant to 15 USC 1602l . I have enclosed a copy of the adverse action letter which evidences unfair, deceptive and abusive practices pursuant to 12 USC 5531 in which I have highlighted. Since the letter you sent me on XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. I demand that Bank of America resort to reasonable procedures to rectify this affair and compensate me for the use of my personal information along with my social security number and all the proceeds it generated in the application/asset. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Following 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, the accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 ) ( a ) 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. Please delete the accounts listed below : Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, XXXX : Equifax Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2024, XXXX : Equifax Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, XXXX : Equifax XXXX Name : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2024, XXXX : Equifax XXXX Name XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, XXXX : Equifax Creditor Name : XXXX XXXXXXXX XXXX, Date inquiry : XX/XX/2024, XXXX : Equifax
Product: Money transfer, virtual currency, or money service

Sendwave attempted to draft {$930.00} from by business checking account without authorization. I had never heard of this company before receiving a fraud alert from XXXX XXXX Bank. I certainly did not intend to send {$930.00} to some random account operated by a company that primarily serves developing countries with foreign currency remittals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Given the recent legal action against Credit reporting agency fulfilling to properly investigate consumers disputes, I expect immediate attention to this matter Failure to comply, will leave me no choice, but to pursue legal action for damaged incurred Im giving them five days and I specify five day. To solidify this issue.
Product: Credit reporting

After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 
Account in question : University XXXX ( 7 years old from what experians reporting is ) ( this dirty university will not respond to me ... how is this allowed when bureaus claim they talked to them )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act. Orions Management Group, ( original creditor, Acceptance Rentals ) have violated my consumer rights.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. 

This account was opened fraudulently in my name. I am a victim of identity theft and I did not open this account. I am not responsible for any charges made to this account. This inaccuracy is damaging to my Credit profile and it shall be removed immediately. All 3 of my credit bureaus have fraud alerts on them. I have filed an Identify theft report with the Federal Trade Commissioner and my local police department. 

Amount of Alleged debt : {$2000.00} Original Creditor : XXXX XXXX  Sold to 3 Creditors : XXXX XXXX, XXXX XXXX and now XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage on XX/XX/XXXX, I was denied due to there being " disputes '' on my credit report from Experian which happened to just be " comments '' according to the support person. On XX/XX/XXXX I woke up checked my credit reports to see if anything happened to my credit report as a result of the hard inquire, It was the same credit score and the inquiries ' were posted already. On XX/XX/XXXX I called Experian to have these disputes dropped from my credit report, I was told that this action would not have a negative effect on my credit as they were just comments. After the dispute comments were taken and results were submitted to me from Experian. credit was pulled at a 60 point drop. No one knows what happened, I've been placed on hold for hours and hung up on by a membership supervisor by the name of XXXX after I asked if he can check that the work that was done to my report by his employee was done correctly as that was the last known change to my credit report. I pay a bunch of money a month to keep up with Experian monitoring and the ball has been dropped. 
Experian is the only agency that had a disastrous effect to my credit, XXXX  and XXXX  who also received the same hard inquire did not drop 60 points
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Aggravated Identity Theft pursuant to 18 USC 1028A FCRA 15USC 1681A- Consuming reporting agencies reported without permission or without a permissible purpose by law XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX Bank ) XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX BANK XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Checking or savings account

Dear Bank of America, After reviewing my records with XXXX ; I noticed that a checking account that was opened fraudulently is still being reported as having belonged to me. I believe this account either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to the closed checking/savings account from your systems. Failure to do so will result in legal action taken against your company/bank in small claims court. I have never had a checking account with Bank of America. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX XXXX XXXX Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Balance : {$280.00} This account is being illegally and incorrectly reported on my consumer report. It is not mines. It is affecting my financial well being and spilling over to my personal side. I need this account removed from XXXX, XXXX and experian.
Product: Checking or savings account

I have a problem with PNC everytime i make a huge purchase that's around XXXX dollars on electronic goods PNC always blocks my card and everytime i call it gets very annoying that i have to approve the purchase to make it go though even though I HAVE THE CARD IN MY POSSESSION
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have a credit card with XXXX XXXX I have reached to them they have reached out XXXX XXXX about the fact I have an authorized use my husband XXXX XXXX on my card but I cant get them to report the fact he is an authorized user to his credit
Product: Debt collection

Im tryin to move! I cant move due to an apartment Ive becer lived in being on my credit report. I live in XXXX. The report is from XXXX. Ive disputed it! I have a twin sister name spelt similar, social is almost the same just one number different. Somehow our report was basically one. Ive talked to numerous amount of people tryin to get this resolved. Even disputed it only for them to tell me its mine now Im having to dispute it all over again! Im supposed to be moving in 3 weeks but wont be able to due to this being on mine. I need something done about this ASAP or Im a have to go about this another way! The lady from where they sent the report was flat out rude! Telling me she basically cant talk to me because its not my name on the apartment! Well if my name isnt on it why isnt it being removed off my report!! Makes no sense what so ever.
Product: Credit card or prepaid card

They did not pay me my cash-back rewards after I met their requirements and after I made many attempts to get this resolved over several months.
Product: Debt collection

I already blocked their number, but keep calling and do n't leave a message. They call 3 to 4 times a day everyday. I dealt with the same debt collecting agency before and they 're rude and inconsiderate thats why i do n't answer their calls anymore.
Product: Debt collection

An account was open with this company called XXXX that I do not have any knowledge of or know of using my personal information and I have been trying to reach out to this company over the past 2 years through email as well as phone calls to have this account removed from my credit profile.This account has really made my life very difficult because it is created a hardship for me not being able to purchase a home for my family. The company has not try to respond to me concerning the matter so that this issue can be resolve.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!