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

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. '' Kikoff is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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 customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 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. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agency Kikoff do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Kikoff, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 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. Kikoff is 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 Kikoff reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX XXXX XXXX
Product: Credit reporting

EQUIFAX has verified XXXX collection accounts ; the accounts XXXX XXXX AND XXXX XXXX are a duplication on the credit report ... .even though the collection is a difference of 12 dollars..they have XXXX collection accounts for a XXXX service of XXXX, the original creditor .PLEASE DELETE XXXX ACCOUNTS
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporti

ng Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of
the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is ignoring my numerous requests to investigate and remove two accounts from my credit report that do not belong to me.
Product: Checking or savings account

I ordered my son a soccer jersey from what I mistook for a real website using my citibank Mastercard linked to my checking account, after realizing that there was no contact information, that the tracking number never had any update and no ability to contact this " company '', I filed a dispute with my bank. They sent me a letter that I did not resolve the dispute in my favor and to contact the merchant. There is no way to contact the merchant. The website is a sham, no options for contact etc. The tracking number provided ( see attachments ) was also not legitimate. A shipping label was created, but never used.
Product: Bank account or service

On XXXX XXXX, 2016, I called Capital One 360, regarding a fraudulent transaction on my checking account. Someone hacked into my online bank account and sent a cashier 's check to a person I do n't know, XXXX XXXX, in the amount of {$2000.00} on XXXX XXXX. In addition, I was charged a {$20.00} service charge for this fraudulent transaction. I told Capital One 360 that the amount of {$2000.00} had been deducted from my account because of the fraudulent cashier 's check from someone hacking into my online bank account. Capital One 360 told me they would contact me within 48 hours to setup a new bank account, and my money would be redeposited into my new bank account because it was removed fraudulently from my old bank account which was closed by Capital One 360 on XXXX XXXX when I reported the fraudulent transaction. 

As of today, XXXX XXXX, I have not heard back from Capital One 360 regarding my money, I am out {$2000.00} and no one from Capital One 360 has contacted me as to where the {$2000.00} is or how to setup a new bank account and deposit that amount into my new account. I called Capital One 360, fraud department on XXXX XXXX, and they asked me to send a screenshot of my iphone to check for malware, which I sent to Capital One 360 on XXXX XXXX via email. I also called Capital One 360, on XXXX XXXX because I had n't heard back from Capital One 360 regarding the {$2000.00} that was fraudulent taken from my bank account. Capital One 360 told me to resend the screenshot of the malware check that I did on my iphone which I resent on XXXX XXXX. 

As of today XXXX XXXX, I have n't heard back from Capital One 360, regarding my missing money {$2000.00}, which I am expecting to be reimbursed into a bank account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/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

As per the Fair Credit Reporting Act ( 15 USC 1681 ), it's crucial for consumer reporting agencies like Equifax and XXXX to handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Under 15 USC 6801, financial institutions are mandated to uphold customer privacy and protect their nonpublic personal information.However, despite these regulations, Equifax, XXXX, and financial institutions ( Furnishers of information to credit agencies ) are not authorized to share my private information without my explicit written consent, as outlined in 15 USC 1681 section 604. Additionally, they failed to inform me of my right to opt out of such disclosures, as required by 15 USC 6802.Moreover, they are in violation of 15 USC 1681C by reporting adverse account information without permission, and 15 U.S. Code 1681s-2 ( A ) ( 1 ) by potentially furnishing inaccurate information to consumer reporting agencies. These actions demonstrate a lack of reasonable procedures to avoid violations, as mandated by 15 U.S. Code 1681e.In light of these legal violations and my rights under 12 CFR 1016.7, I am formally opting out of their reporting services.Any charge-off closed account information reported by Equifax, XXXX, or financial institutions ( Furnishers of information to credit agencies ) without my explicit written consent is also in violation of the law, as per 15 USC 1681C ( a ) ( 5 ). This further strengthens my decision to opt out of their reporting services.
Product: Credit reporting or other personal consumer reports

Hello! I had an old account with XXXX XXXX XXXX ( the original creditor is XXXX XXXX XXXX XXXX ) appearing on my credit reports erroenously for more than three years. The collection agency requested this account be removed with all three major credit bureaus effective XX/XX/2020 however it still appears on my credit profile.The account number is XXXX. I have attached a letter from the collection agency confirming the account is paid, and that it should be deleted from my profile. Let me know if you need additional information. Thank you!
Product: Credit reporting or other personal consumer reports

I believe that according to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

When attempting to close my account due to avoid credit reporting Affirm stated that using their services does not affect your credit report therefore I continue to use them. Nevertheless, due to an unavoidable crisis, I was late and Affirm reported every account on my credit report which in total XXXX accounts significantly dropped my score to below XXXX. I contacted an agent who stated to me that after I caught up with the payment Affirm would remove it from my credit report. I caught up with my payment and Affirm did not remove them from my credit report. I called again and the agent stated that they do not have control of the accounts as reported it was the credit bureau. Affirm falsely advertised having an account with them does not affect your credit score to prevent people from closing their account.
Product: Credit card

In XXXX of XXXX, I needed a prepaid card like like a XXXXXXXX XXXX XXXX. I found American Express Serve card at XXXX. I was going to pay for the card and load money with my debit card but I was told I would have to pay with cash. I had to go to a ATM to pull them {$500.00} out and load it to the card. 

Once I purchased the card and loaded it with XXXX. I went to register the card and it didn't work. As I write this on XX/XX/XXXX, I've called and wrote letters. I still haven't heard from Serve on this issue. I have a card with {$500.00} that can't even be activate and says I have the wrong card information. I need help asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with this company I did pay it in full before I cancel it and now after 2 years they are saying I do owe them money when I did pay it 2 years ago in full before I cancel it
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to do a full investigation into Equifax and their method of sending out results. Today is XX/XX/XXXX and I received a response today regarding my dispute. I have two issues with this, they were supposed to get back to me by the XXXX of XXXX. They did not, I received this letter in the mail today. The issue with that is they backdated it to XX/XX/XXXX not the actual date which I received it. I need you to see when they actually mailed this letter out because I received it today and not before the XXXX of XXXX which is a violation of 30 days or more or me receiving a response. That violates the fair credit reporting act and I need you to look fully into when they sent the letter out because I received it today and not on the XXXX of XX/XX/XXXX. That is misleading information, which makes it hard for me to overturn the disputes that I am disputing. I am looking for you to hold them accountable. There is a huge difference between the date Equifax posted on this paper and the date I received it in the mail. When I disputed my information and reported it to you for violation of 30 days or more, I provided via US mail receipt the actual date they received it, they should have to do the same. I would like them to be held accountable to the same standard and show you guys the exact date which I received it. I did not receive it on XX/XX/XXXX, I received it on XX/XX/XXXX which is way more time than 30 days. I would like you to have Equifax to delete all the information off of my report that I am disputing because Equifax is not being truthful in their response time. I am looking for mailing receipts from equifax on their end to show the day that I was receive this letter via mail. If it is any day after XX/XX/XXXX they took to long and this information that I disputed needs to be deleted. Also I am questioning the name they sent this letter to. On my credit report reads XXXX XXXX XXXX, Not XXXX XXXX which they clearly sent this letter to violation number two. I want all the information that I am dispute to be delete it off of my credit report ASAP. Equifax clearly did not have the right name on the letter and did not send within 30 days. I am asking for a copy of their certified mailing letter on the day that I shouldve received this letter if it is past the XXXX of XX/XX/XXXX it needs to be deleted from my credit report ASAP.
Product: Debt collection

The debt collection company name National Credit Systems has failed to provide any proof that i lawfully owe the debt in question nor any letters in writting stating who they represent. I have requested in writting as well as verbally and through the XXXX for such information. On each time that i have spoken to this company on their recorded calls i have stated i am willing to pay a debt i owe once i receive written documentation. Every time i have called they have said on multiple circumstances that they have already sent the requested documentation wereas since XXXX i still have not received this documentation. In the most recent response through the XXXX they stated " they were in the process of obtaining the verification and mailing it to consuner ''. Im quite baffled how after multiple statements on their recorded calls they stated they have already mailed out such coorespondence but now after taking matters further have to locate such verification. I have reached out to the origional creditor as well during this process to obtain any information regaurding account wereas it was told to me that they were bought out by a new management company and no longer have prior records. I have been attempting to resolve this debt but I as a consumer do not feel sending money to an unidentified company to a XXXX XXXX in another state without supporting documentation is unlawful under any circumstances.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal, Texas, and XXXX FCRA Identity Theft Fraud Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address a blatant violation concerning the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ACIMA DIGITAL FKA SIMP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

Importantly, I want to bring to your attention that XXXX FCRA identity theft fraud laws also highlight the seriousness of unauthorized access and misuse of personal information. As such, it is imperative for XXXX XXXX to adhere to the specific provisions of XXXX FCRA in addition to federal and Texas laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal, state, and XXXX regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ACIMA DIGITAL FKA SIMP will promptly rectify these egregious violations, respecting my rights under federal, state, and XXXX laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX we got a payoff figure from Navient for our son 's XXXX student loans and sent that amount to pay off the loans. First they applied all the money to XXXX loan giving it a negative balance of thousands of dollars while the other XXXX loans went unpaid. After calling they took that balance and paid it on the other loan but not as a payoff. They made monthly payments with it, paying the loan up through XX/XX/XXXX and telling us the next payment was owed at that time! This type of action continued for months. Despite our calling ( each time talking to different people who said they would fix it ) nothing happened and we continued to get bills. Finally my husband sat down with the manager of our bank and called. She knew the amount that was paid and all information concerning the check. She demanded to talk to the accounting department ( something we had not been permitted to do ). After 20 minutes they admitted to her that our loan was indeed paid off. After months, we even got a check for a reimbursement for overpaying. Six months later the bills started coming again. For the last year we have gotten weekly bills. Now we ( and our son ) get MANY phone calls as well. Six to eight calls a day to be exact. Starting at XXXX and going through the evening. We explain to the caller, ask for a print out of our last three years of transactions, get confirmation that will happen and then never receive such a print out. We are at the point of suing this company for harassment. We just found out about this website and hope you can help us.