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

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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. 

Equifax claims that they verified this Bankruptcy with XXXX XXXX however I attached the letter that I received from XXXX XXXX showing that theyve removed this unverifiable information from my credit repair. Since this removal, Ive mailed Equifax a copy for their records and they continue to report this inaccurate information on my credit report. This lets me know that they did not do a proper investigation because they have not removed this Bankruptcy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX**** and XXXX XXXX XXXX XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Debt collection

Debt was already paid to XXXX. This collection agency keeps adding this balance to my credit report which is negatively affecting my score and history.
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting XXXX XXXX BANK somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b 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. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, 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 ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 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 XXXX of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Debt collection

I rented an apartment at XXXX XXXX in XXXX, NC from the end of XX/XX/XXXX. I paid my rent on time every month until I was evicted XX/XX/XXXX because my XXXX old daughter had a fight with a so called friend. I can't recall if I paid a deposit before moving in but I cleaned the apartment before I left. No damages. Months later I started receiving phone calls from a rude representative XXXX at iq data international. I asked for a statement of these bogus charges of {$690.00}. I asked why I never knew about any charges before collections. I never get answers. I can barely speak. I don't want any derogatory accounts on my reports but they make it hard to get it taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my annual credit report I noticed a hard inquire that I never approved from CIS Information Serv on XX/XX/2017. I attempted to reach creditor and was unable to.
Product: Credit card

In compliance with 1666b, the timely elimination of these late payment remarks is required.
Product: Credit reporting or other personal consumer reports

At the time my mom was watching my daughter and she was watching her at my husbands and my house. During this time she stole information from my husband and I including checks on our checking acct and private information. My mom had a similar name to mine and she opened several cards in my name. When she passed away I was hit with all kinds of mail things coming to me saying I owed money. It wasnt till recently that I bought a car and I saw all these creditors saying I owed on cards. After she passed my husband and I had to open all new checking account bc of the identity theft she did on both of our names. I am just needing this solved XXXX a lot of these are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union Universal Cr Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
Universal Credit Ser Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Collections : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Collections : 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 Equifax Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Employer : 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 XXXXXXXX
Product: Checking or savings account

I was contacted by a company called XXXX XXXX via text message in XX/XX/2020 to sign up for a XXXX  XXXX  XXXX. I completed a form & received a provisional assignment in the mail on XX/XX/2020 that contained a cashiers check, which I cashed at Bank of America on XX/XX/2020. I was instructed to cash the check & go to a store to purchase two {$500.00} XXXX  gift cards & {$45.00} worth of groceries. I was then instructed to go to a second store & purchase two more {$500.00} XXXX  gift cards. I was told to take {$290.00} out in commission & keep the remaining {$26.00} for my second assignment. After completing my purchases I was told to send an evaluation of each store with receipt & gift card images. On XX/XX/XXXX I noticed a debit hold on my account for the amount of the check. On XX/XX/XXXX, the check amount was withdrawn from my account. I called Bank of America on XX/XX/XXXX to file a claim & ask to have my money returned to me so that I could set up a payment plan. I was told nothing could be done.
Product: Student loan

Student Loan lender have multiple duplication of accounts illegally blocking me the consumer from qualifying for refinancing student loan with a reputable lending institution available to me as a consumer. The lender have duplicated these entries over 30 times duplicated on my credit files.They continue to circumvent by stating they have responded to the consumers complaint. What they are doing is strategically selecting one account out of 10 and addressing one and leaving the 9 remaining. The rules say that multiple creditor of the same account should be listed on any consumers credit files. Here 's a list of duplication that do not own the loans. When these loan because due after graduation the creditor only alerted me after the loan was delinquent several months. This I believe is leverage tactic by the lenders to further damage my creditworthiness. All information reporting on the loans below are injurious to my family life and some of these have been added to my parents.
Product: Debt collection

XX/XX/2018 called said they tried to serve me at my job I don't work so not possible. Said if miss court date used foul language. Call back number is XXXX.i located them to be in Pennsylvania. When I asked for company name they said Cordova and wexler when asked for address they hung up.i called back voicemail said 8 by 8.didnt give me case number asked for personal information.
Product: Student loan

I have attempted numerous of times within the past 2 years to pay off a balance that was owed to  XXXX  University. At the time I was not able to afford to pay off my balance and it went to a collection agency. During that time I have attempted to pay in full 3 times but they would not allow me to pay the {$1200.00} balance but instead they wanted me to pay {$1500.00}. I am a single parent trying to further my education and at this time I am ready to pay the {$1200.00} in full. At this point I have asked  XXXX  would they accept the payment in {$1200.00} and they would but it would be turned over to the collection agency which charges an extra {$400.00}. Please let me know how I can get this resolved.
Product: Credit reporting or other personal consumer reports

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax transition and XXXX are consumer reporting agencies 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. '' XXXX, XXXX XXXX, equifax ) 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. '' XXXX, XXXX XXXX, equifax ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX 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. '' XXXX, XXXX XXXX, equifax XXXX XXXX XXXX collector 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 1681s-2 ( 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 168le 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. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting

I advised the credit bureau Equifax that this account is outside of the federal statute of limitations for XXXX years of time barred debt they responded to me that says because of their records retention policies that they have the right to list the debt beyond the XXXX year period and that i have to wait en-light of federal laws of which this is illegal under the fair debt collection practices act
Product: Debt collection

This account from World Finance is currently reporting negatively on my XXXX and XXXX Credit Reports. I reported this for Identity theft on XX/XX/2021. 

Under XXXX XXXX Code XXXX permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? NO I did not give them ANY PERMISSION Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include -- - ( A ) Subject to section XXXX of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above from my consumer report, this agency is in violation ... ... ... ... of XXXX XXXX XXXX. 

I will be seeking damages against XXXX and XXXX in the amount of {$1000.00} per violation for : XXXX. Defamation of Character ( XXXX  XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX XXXX violations for willful XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX there was an inquiry added to my consumer report from XXXX XXXX XXXX XXXX. I did not authorize this. I requested multiple times from TRANSUNION and XXXX XXXX XXXX XXXX to coordinate and remove the inaccuracy off my report to access the situation. It is XX/XX/XXXX and it's still reporting on my report. It is causing my harm by reporting this inaccurate information. According to 15 usc 1681 - " congressional findings and statement of purpose '' You are in violation of this law please remove immediately.
Product: Debt collection

I have sent several dispute letter to the 3 major credit bureaus asking that the illegally reported credit card and collections accounts that are negatively impacting my credit be removed per the Fair Debt Collections Practices Act 15 USC 1681i ( 5 ). XXXX, XXXX, and XXXX are illegally reporting that accounts on my report without providing the requested documentation and doing their due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory on experian. 

XXXX. Identity Theft BANK OF AMERICA Account Number : XXXXXXXX* This is not mine.
Product: Debt collection

I continue to get automated calls about at my place of employment which is an automatic dialer from a company called ATG out of XXXX Il to my work land line giving information on my behalf with my name.
Product: Checking or savings account

I am writing to express my deep dissatisfaction and frustration with the recent handling of my account by PNC Bank. I have encountered significant inconvenience and financial hardship due to the prolonged investigation and subsequent hold placed on my account. 

I deposited a check into my account that I had received as payment for a XXXX job. Unfortunately, it was later discovered that the bank account connected to the check had been closed. While I understand the need for security measures, I am extremely disappointed by the excessive length of the investigation, which has now reached 30 days. 

To make matters worse, not only is my account under investigation, but a hold has also been placed on two other checks that I deposited. As a result, I am currently unable to access the funds from these checks, leaving me in a difficult financial situation. I am unable to pay my rent, and my landlord is putting immense pressure on me to resolve this matter promptly. 

Moreover, I was deeply displeased with the attitude and unprofessional behavior of the customer service representative I spoke with during my last call. She displayed a sassy and patronizing tone, and instead of providing assistance or guidance, she unjustly blamed me for the false check incident. This kind of treatment is unacceptable and does not align with the level of service I expect from a reputable institution like PNC Bank. 

I kindly request that immediate action be taken to resolve this issue. I understand the need for proper verification and security measures, but the length of the investigation and the subsequent hold on my account are excessive and causing significant hardship for me. I urge you to release the funds from the other checks that I have deposited, as they are unrelated to the initial incident involving the false check. 

Furthermore, I would appreciate a thorough review of the conduct of the customer service representative I spoke with. It is essential that all bank employees maintain a professional and respectful demeanor when interacting with customers, regardless of the circumstances. 

I trust that PNC Bank will take my concerns seriously and address them promptly.I hope that this unfortunate incident can be resolved swiftly and that appropriate measures will be taken to prevent similar situations from occurring in the future. 

I kindly request a written response within 15 business days, outlining the actions taken to address my concerns and rectify the situation. I can be reached at the contact information provided above if further clarification or information is required. 

Thank you for your attention to this matter. 

XXXX XXXX