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 insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax 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. '' ( 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 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 ( 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. Equifax and Experian are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$27000.00} DEPT OF EDXXXX XXXX Balance : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing that I have a XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone : XXXX ( XXXX ) XXXX - XXXXThe mortgage does not belong to me, I never applied for it or never enjoyed it, furthermore, I was living at the time overseas. According to the report, the account was opened on XX/XX/XXXX. The original mortgage amount was for {$29000.00} and the remaining balance is for {$25000.00}. The mortgage amount is {$500.00} and has been paid ( struggling ) monthly by someone, but stopped payments altogether in XX/XX/XXXX. After I have tried before to calling to Equifax and XXXX to try to get the issue resolved but I have been unable and got as response that " after they investigation they concluded that the debt was mine ''. It was impossible to get it resolved. 

Recently I was able to pay a visit ( had to go in person ) to the address before described ( XXXX XXXX XXXX ) given that I was unable to get it resolved by phone or email and was promised that they were going to investigate the issue. A week later I got the following answer from XXXX XXXX XXXX : '' Thank you for contacting XXXX XXXX XXXX XXXX XXXX Department. Pursuant to your request, we have concluded he investigation, XXXX XXXX XXXX does not have your information on our records. Management recommends that you reach out directly to XXXX  and Equifax and process a dispute of the information they are reporting ''. 

I would like to have the wrong information deleted from my report as it does not belong to me and it creating a lot of stress and it is not allowing me to buy a car or a house with a decent score.
Product: Checking or savings account

On XXXX a savings account was opened and funds moved to the saving account from the checking. A few days after my son and I went to the bank verified our ID and were told all was good to go. Fast fwd to XX/XX/XXXX, the savings account was closed and told funds would be mailed but we could go to the bank and see about getting funds released sooner. We went to Bank of America on XX/XX/XXXX where we were told the funds in the savings account needed to be verified as to where they came from. When the branch agent explained they came from the checking account they then said they now see that and will have a check issued within 3-5 days. On XX/XX/XXXX we called the risk dept to see the status of the check and were told it wasnt yet sent and funds needed to be verified. Again explained the funds came from our checking and again told they see that and were escalating the check to be sent. I was given a supervisors name to ask for when calling back. Today on XX/XX/XXXX we went back to the Bank of America branch the agent called risk told the same thing as before again explained the situation and then told the cashiers check was in the hold dept when asking why we were told because they are verifying the check, the check they the Bank themselves were issuing! When the branch agent asked to speak to the supervisor who gave us his name on Thursday XX/XX/XXXX the branch agent was told they cant get to that supervisor directly. When the agent asked to speak to any supervisor she was placed on hold then diss on extend. When we asked who else to talk to or what else we should do we were told there is nothing. We now have {$1700.00} missing that Bank of America has held since XX/XX/XXXX and have no one who can or will give us any information about the missing money or how to get it back.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 
XXXX XXXX XXXX original creditor XXXX XXXX XXXX Account # XXXX, XXXX XXXX  A acct # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX. 
Account # XXXX, XXXX ACCOUNT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
XXXX Consumer Financial Protection Bureau. XXXX Attorneys General XXXX. XXXX XXXX XXXX XXXX  XXXX State Senate. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXX XXXX  XXXX. XXXX Federal Trade Commission. XXXX State Regulatory Agency
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows 4 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXXXXXX XXXX made on XXXX XXXXXXXX XXXX XXXX JPMCB CARD BANK,  made on XXXX XXXX XXXX  XXXXXXXX XXXX XXXX MADE ON XXXX. XXXX XXXX XXXX XXXX XXXX, MADE ON XXXXXXXX XXXX XXXX Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my mentally XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his mental XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my mentally XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires
Product: Debt collection

Helvey and Associates has continued to report inaccurate information on my credit report after failing to provide verification that the account belonged to me. I submitted an identity theft to the cfpb when there was a data breach with XXXX and my information was used illegally. Helvey and Associates has continued to report this account even after not providing any contract or sign documentation. According to Metro 2 guidelines ( A collection agency debt buyer/ third party collections agency reporting shall not report after debt is paid in full. This is not an admission this is my debt, but I paided it off because my name was used to open this account illegal. I called the utility company and requested documentation and there has not been any verification that this is my account. Helvey and associates is is violation of fcra of reporting inaccurate information on credit report. This violation needs to be investigated and the XXXX needs to be notified.
Product: Checking or savings account

I have been the victim of of theft I have filed police report and if theft report I have never opened an account with your institution or had a credit card with your institution u guys owe me 2000 dollars for taking out of a check from me
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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: Student loan

Ed Finacial Services continues to reject and return student loan payments. The company only accepts my loan payments once they are " past due. '' Prior to the federal loan repayment period going into effect, I submitted a payment of {$1200.00} on XX/XX/2023 which was reversed by the company. I assumed this was due to the loan repayment period not going into effect so I ignored it. 

In XXXX, I made two attempts to pay back my student loans for the month of XXXX, and both attempts were rejected. 

I made an additional attempt to pay my loan on XX/XX/2023, which was also rejected. 

The company only accepted my payment once my loan was marked " past due '' in XXXX. 

As shown in the attachment below, I am facing similar challenges in the month of XXXX. I should also note that while the company retroactively indicates the loans were reversed on the same day, I continued to monitor the payment status and each time the company indicated my payment was " processing '' for several days after my payment attempt, leading me to believe the payment was en route. Additionally, following each attempt to pay my loans, the company sent me a " payment confirmation notice '' via email. 

I have called the company and sent written correspondence asking for further clarification as to why my loans are being reversed, and I have been unable to reach a customer support representative or receive a response to my inquiry. Here, I should note I am responsible for paying student loans on other payment platforms and I have had no issues. My bank balance is always well above the balance required and I have confirmed with my bank they are not blocking the payments.
Product: Vehicle loan or lease

Auto Loan Application : On XX/XX/2023, I, XXXX XXXX XXXX, applied for an auto loan with Bank of America in good faith ( paragraph XXXX ). I provided all necessary information and documents required for the loan application process. 
Adverse Action and Illegal Conduct : Bank of America, in violation of applicable laws and regulations, declined my extension of credit or auto loan under good faith ( paragraph XXXX ). This adverse action taken against me as a consumer is illegal according to the Equal Credit Opportunity Act. 
Misrepresentation of Lending Practices : Bank of America knowingly and willingly advertised false information regarding its lending practices ( paragraph XXXX ). They misrepresented their willingness to extend credit to qualified consumers, causing harm and detriment to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report with intention of cleaning and improving it and I did some heavy research on the fair credit reporting act. I also read about if something is inaccurate on my credit report then I have the right to challenge it. Are you informed about 15USC 1681i ( a )? I believe it says if you can not provide proof this information is verified then I want this account removed from my credit report. An investigation takes 30days if the account is not verified then please remove the account. I demand the account USDOE/XXXX  to be removed from my credit report. attached to this CFPB I have the date opened is not the same with all three consumer reporting agencies and the last reported date is not accurate for all three consumer reporting agencies. Since this is inaccurate by law must be deleted from my credit report. 

15usc1681 ( a ) ( 1 ) Transunion inaccurate and unfair credit reporting shows flaws in the banking system and destroys the trust from the people which is crucial for society and the banking system. 

15usc1681a ( p ) Consumer reporting agency furnishes my consumer report to 3rd parties which leads me to 15usc1681b ( 2 ) I did not give written instructions for XXXX to furnish my consumer report to 3rd parties. 

15usc1681 ( 4 ) Transunion has to be accountable and respect for my right to privacy which was violated once they sent my consumer report to other 3rd parties.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Product: Debt collection

The information was not correct, and I want it off my credit report because it is effecting my credit
Product: Debt collection

Portfolio Recovery Associates LLC placed a collection account on my credit reports for {$8200.00}. I do not have a contract with this company. I contacted them several times asking for proof of ownership and never received an answer. I did online research and per Green v. Portfolio Recovery Associates LLC, I am entitled to see documents proving they own this alleged account.
Product: Credit reporting, credit repair services, 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 accounts 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX  : - XXXX  XXXX XXXX XXXX XXXX XXXX : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXXXXXX XXXX  : {$6900.00} XXXX  XXXX XXXX XXXX XXXX XXXX  : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX  : {$23000.00}
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Address Removal from Credit Report To Whom It May Concern : I am writing to formally dispute the address listed on my credit report under my file. The address in This address is inaccurate and no longer relevant to my current credit profile. I kindly request its removal to ensure my report reflects accurate and up-to-date information. 

Enclosed are the following documents to verify my current address : A copy of my government-issued ID. 

A recent utility bill showing my current address. 

[ Any other supporting documentation, if applicable ]. 


Please investigate this matter and remove the incorrect address from my credit report. I would appreciate confirmation once this has been resolved. 

Thank you for your prompt attention to this matter. Should you require further information or additional documents, please do not hesitate to contact me at [ your phone number or email 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 card

I was told both by telephone beforehand and in person at the merchant that there would be a charge of only {$10.00}. I gave the merchant 's notary my credit card. I did NOT insert my card into the reader, which was NOT accessible to me. But, she took my card and went back away from the counter. She then came back to the counter and presented me with a charge of {$40.00}. I refused to sign it. She refused to correct the amount. This was fraud by the merchant. ... I attempted to file a dispute online with the bank. Repeatedly on XX/XX/year>, after clicking dispute this transaction, the bank 's website would NOT open the dispute form. The next day I tried again. While the dispute form opened, it would not let me continue the dispute stating that the date I entered when I contacted the merchant was before the transaction date. But, the date I entered was NOT before. I tried entering other dates but they did not work either. Because the bank 's website did not work properly, I was unable to submit a dispute. USBANK intentionally manipulates its online software to DENY the public the right to dispute transactions.
Product: Debt collection

on XX/XX/18 XXXX XXXX from XXXX XXXX XXXX contacted my place of employment. He was informed that personal calls are not accepted. He must contact me outside of my place of employment. He then informed the person that answered the phone that " Some of my personal information got out and he is working the issue '' He then asked them to provide me with callback information. 

on XX/XX/18 He called back He then spoke to XXXX. He also advised XXXX that my personal information got out and he is trying to clear it up.. She told him that she does not work in the same dept and she could locate me and transfer him.tomy voicemail. He refused to be transferred. She stated that he was extremely persistent and would not get off the phone until she took down his information.so she did. 

on XX/XX/2018 He called back. He spoke to XXXX who informed him that I did not work in her department and she could not locate me in the directory. She does not believe I work for the company. He continuously stated I did, He quoted to her what he believed my Job title was. She informed him several times she could not locate me in the directory and did not believe I worked there. He then stated that is not what XXXX told me yesterday. He refused to get off the phone without her taking down his information. She did after hanging up he called right back and asked for XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a title loan with reprise financial. They said I was approved for XXXX at approximately 18 % APR. I decided to proceed with this loan, and therefore they pulled my credit, and put a hard inquiry on my credit report. I was then called by the company to finalize the loan. At this time, they told me I was only approved for XXXX, at 31 % APR. I declined the offer primarily because of the rate hike. So now I have a hard inquiry on my credit report because Reprise lied to me about the loan they were willing to offer.
Product: Debt collection

I began receiving text and voicemails from XXXX XXXX on XXXX, XX/XX/year>. On XXXX, XX/XX/year> I contacted this business to verify its legitimacy and requested a debt verification letter. I informed the agent that I had never dealt with collections and had no clue what to do. I felt pressured by the agent to verify the debt and come up with a payment plan. The agent asked me if I would be filing my taxes and if I could use that to pay a lump sum of the debt. Which now that I have had time to reflect on the conversation was an invasion of my privacy. By the end of the phone call, in which I initially was requesting a debt validation letter, I was coerced into a verbal repayment agreement without receiving my debt validation letter. For these reasons, I am disputing this debt.