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

XXXX ( XXXX ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( Experian, XXXX, and XXXX ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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. 

How did XXXX get my information if I never authorized this!? 

Section ( b ) Financial institutions safeguards ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger. 
Who gave you all access or was there a breach!?
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there is still account on my file that needs to be repaired. For that reason I request that f the attached inaccurate information listed in my credit file be FIXED immediately. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXXXXXX.
Product: Checking or savings account

I am the XXXX  and have several Capital One Checking and Savings accounts. I have XXXX children ranging from XXXX who I am educating in banking techniques. I started with a child savings account 2-3 years ago with the now XXXX XXXX XXXX and then my XXXX XXXX XXXX last year. I noticed recently that while the interest rate in my savings accounts escalated to over 5 % from XXXX. The children 's savings accounts remained at 0.3 % interest. In speaking with Capital One, they advised that that was just how their products worked. The representative also advised that I could create a 360 Performance Savings Account and have my child as the secondary. I made that change and now have found out that the my child can not " transact '' against that account, such as transfer funds, etc I have made two calls to Capital One support from XXXX through XXXX regarding this issue.. 

Therefore - my complaint is unfair interest earning practices against minors and minor focused products
Product: Debt collection

Ive tried to explain to these people that I was in an car accident and all the medical bills were taken care of by my insurance company. A total of {$2000.00} was paid. It was a sprained thumb. What else could I possibly owe money for? Besides the fact that the bill was covered and paid for by my car insurance company. The bill was paid in two separate payments XXXX on XX/XX/20 and XXXX on XX/XX/20. Ive tried referring them to my insurance company several times and they just kept harassing me and now have sent my account to collections when I dont owe them anything. Ive also never received the bill from XXXX XXXX XXXX XXXX stating I owe anything other than what was paid by my insurance.
Product: Money transfer, virtual currency, or money service

On XXXX I received notice via email that Sofi sold my bitcoin holdings held with them. I did not request this. I do not owe them money. The assets were not on margin. They sold them at a loss, incurring harm to me and causing an undesired tax effecting event.
Product: Credit reporting or other personal consumer reports

Subject : Violation of Fair Credit Reporting Act ( FCRA ) - Request for Resolution Details of the Complaint : The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX The following violations apply : 15 U.S.C. 1681 Section 602 ( a ) : This section guarantees my right to privacy. The dissemination of my personal account information has occurred without my consent, violating this right. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish any information regarding my accounts without my explicit, written instructions. No such authorization was provided for the accounts listed above. 
15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including adverse information in a report that antedates the report by more than 7 years ( excluding criminal convictions ). Adverse information tied to these accounts violates this time limit.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person or entity is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishing of such inaccurate or outdated information has harmed my credit profile. 
Requested Resolution : I respectfully request that these violations of the FCRA be corrected immediately by : Removing the unlawful collections and adverse items associated with the accounts listed above from my credit report. 
Investigating and addressing the improper furnishing and reporting practices that led to these violations. 
Ensuring compliance with all relevant provisions of the FCRA going forward. 
I trust the CFPB will assist in holding the responsible parties accountable and ensuring that my consumer rights are respected.
Product: Prepaid card

Called to dispute non receipt of Goods Paid For and the representative responded like he did want to resolve and hung the call. Paid for XXXX total reports from the XXXX  Police Department and received XXXX of the reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX made a online purchase with XXXX XXXX XXXX  company later i cancelled my order over the phone and online aswell was told by a customer service rep i wouldn't be charged anymore for the items since i was cancelling the order later on XX/XX/XXXX i found out i was still charged due to a technical error now im fighting the charge to get my money back because i had found another deal this is completely unprofessional and unacceptable
Product: Debt collection

There are three separate accounts listed on my credit from Account Control Bureau. I have asked for verification of debt with signatures, which i have yet to receive. I have spoken with personnel from the said company on several occasions. I have reason to believe my HIPAA rights have been violated. The alleged accounts are as follows : - XX/XX/XXXX- {$140.00} - XX/XX/XXXX- {$57.00} - XX/XX/XXXX- {$850.00}
Product: Credit reporting or other personal consumer reports

This submission has not been submitted before and this is not submitted by XXXX XXXX XXXX. I just reviewed my credit report and found several accounts that are violating my rights In Accordance with the Fair Credit Reporting Act Convergent. The accounts listed below are violating my rights according to these Laws 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 an account without my written instructions.

Furthermore, please provide the following information and if you can not provide every single document to me, please remove the below accounts asap or I will be forced to file a major lawsuit, report this to the BBB and contact the Federal Trade Commission.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 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
Product: Credit reporting

I sent equifax my dispute on XX/XX/XXXX,2017 ask to dispute several accounts that 's on my credit report. Equifax refuse to do a proper investigation calling the companies and asking them to verify over the phone or via the computer does n't constitutes an investigation. Equifax does n't have any paperwork nor contract that bear my signature stating that I have a contract obligation to these accounts. Which is a violation of the FCRA per section 611. Due to the findings of your investigation which was published and the fines that cfpb issued to equifax for these same illegal practices.
Product: Credit reporting or other personal consumer reports

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : OPPFIXXXXXXXX XXXX XXXXXXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : XXXX15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law. 


XXXX15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such. 



Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.

OPPFI/DESERVE/FEB has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : 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: Debt collection

The company Rausch Sturm LLP has been contacting me since XX/XX/2021, I had in several attempts to communicate with them in regards this matter. 
Instead they continue to pursuit payment of a debt that was already paid and collected in a phone call with a debit card by XXXX a collector that XXXX XXXX uses to collect they payments, On XX/XX/2021 email was sent with proof of payment to XXXX with all the screenshots from bank statements of payment made and the settlement letter from XXXX. No action was taking. No communication was made back to me. 
On XX/XX/2021 called and spoke to XXXX XXXX they claimed never receiving any documentation and asked to sent documents one more time to XXXX. They asked for actually bank letters thwey ask for copies. I sent. 

On my effort to find out the status and get this over, I contacted them one more time in XXXX XXXX via email again, he asked for original documentation and asked for XXXX and XXXX statement just to make sure money was not returned from my bank back to me, if this was not enough, on the same day they asked me to foward everything again to XXXX to reviwed and make a decision, they claimed to be more than enough proof. 
I did not heard anything from them. I called back again and spoke to them I told them that all of this was preventing me from refinace my home so I can have more affordable mortgage payment and that I needed their help to help me removed this derrogatory marks. XXXX XXXX asked for all of the documents one more time in XX/XX/2021 One more time, I asked if this was a game or if they giving me thr round around, XXXX XXXX said that was needed for started a claim. I did not heard anything from them. 
My mortgage company waited for me, they advise me that XXXX national bank was still reporting me as derrogatory. 
I called Rausch Sturm and spoke to XXXX XXXX, she said they treated my case as a claim not as a dispute and asked one more time to send all the documentation back to her to XXXX. I sent all docments for fith timeand said to give her more time she said to give her 5 days and called back, I made several attempts to XXXX to get a hold of her On XX/XX/XXXX on XX/XX/XXXX she was not avalible On XX/XX/XXXX they asked for my permission of her calling me back to return my call and I said yes, she nver called me. Today XX/XX/XXXX I spoke with Supervisor XXXX XXXX and not before I spoke to XXXX XXXX who asked to be sent one more time the XXXX statement with the payment being made to XXXX on XX/XX/2021. Supervisor XXXX said that I was going to be receiving a call from her of the status of the dispute put in place by XXXX XXXX in XX/XX/2021. This is absolutely exsausting. I do not know what esle to do to showed them it was taking care of since XX/XX/2021 in a debit transcation via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX, TX XXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX consumer and natural person, am aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

2. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

3. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

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

I requested a Pre-qualification From XXXX XXXX XXXX XXXX I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from 3 credit companies XXXX, Equifax, XXXX. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX XXXX XXXX XXXX of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at XXXX est I called my mortage lender which is Freedom Mortgage to see why I keep getting mail and emails about lowering my rate. I informed the agent that I was NOT interested in refinancing at this time and he offered to check my new possible rate without running a credit check of any kind. While on the phone with him I received a hard inquiry credit check from them. It showed up as XXXX XXXX. He apologized and said that it should not have done that. 

Today XX/XX/year> I called and spoke with management at the company. They did listen to the call and I clearly stated NOT to run a credit check. The manager said that he listed to the call and I was in the right and it was a mistake by the agent and apologized. 

I wanted to make the extra step of reporting this in hopes for this hit to come off of my credit check as it has caused a LOT of XXXX XXXX XXXX First off, it damaged my credit slightly and has also opened the door for over XXXX phone calls from other lenders calling in hopes to earn my buisness on a refinance. I
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry from one main financial. I did not authorize this
Product: Credit reporting

I am challenging Public Record Information on my credit reports as being inaccurate in its filing. The bankruptcy was initiated by the Federal Court, a government agency. Accordingly the term " Dismissed '' means that it is adjudicated by the law. The filing case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my personal information used on my credit report was stolen from Equifax. Instead of immediately alerting the US citizens it affects ( over half the US adults with credit ) they took 5 weeks to alert anyone and seem to have used that intentional delay to participate in insider trading. 

Even after the breach was made public, I have not received any written notice via mail or email that my identity was compromised. I had to look it up myself after hearing a story on the radio. Because they are only offering a year of identity protection, which is incredibly insufficient to cover the data that was stolen I must now pay them to freeze my credit. Equifax will benefit billions if all affected adults choose their only option right now, to freeze their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I'm reporting that. XXXX, XXXX, Equifax, XXXX XXXX and XXXX are not reporting my credit report correctly. It is being reported that the XXXX  NORTHERN BANKRUPTCY US COURT verified a bankruptcy on my credit report. 
This is not true I have a letter from the XXXX  XXXX BANKRUPTCY US COURT stating that the courthouse does not verify any Bankruptcies at all. It also states that they have notified the credit reporting agencies of this. 

I was told I couldn't get a response online because they couldn't verify my identity. I'm sending a copy of my I.D So the response can be shared online If you can't prove the US BANKRUPTCY COURT NORTHERN DISTRACT OF XXXX  verified the bankruptcy then this is incorrect. Also please provide who is verified/or giving my information to you. This is a illegal attempt to lie and tell me the courthouse provided/verified the bankruptcy. That's why I'm providing my i.d I want all responses online so it's a record of the responses. I want the CFPB to see your full response. If any other information is needed for my identity please State that in a response on this complaint.