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

of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Debt collection

XXXX XXXXXXXX XXXX called me on XX/XX/18 and XX/XX/18 *I asked them to stop calling me and to only communicate with me in writing *I sent a certified letter asking them to discontinue calling me and all further communications should be done in writing. 
*The certified letter was received on XX/XX/18 ( tracking # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXXs continues to call and I have two voicemail messages from them on XX/XX/18 lasting 20 seconds and on XX/XX/18 lasting 31 seconds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies. 

Its been more that 30 days and I have not received any feeback, this is unacceptable. NO investigation results.
Product: Money transfer, virtual currency, or money service

Cash app stole my information and funds were stolen never to be returned
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for an auto loan for my sibling. She missed one payment after four years of on time payments. She recently ran past 30 days for one payment. They reported me as delinquent and my credit dropped from about XXXX to XXXX. No one advised me of a delinquent payment or requested that I make up the difference to make things right. They just hit my credit report. I realize that I co-signed for a loan but this is just wrong. Im not even the principle borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in   XX/XX/XXXX   a delinquency was added to all  XXXX  of my credit reports. My score dropped from an  XXXX  and   XXXX    XXXX  to  XXXX  and   XXXX    XXXX . Recently, as of  XX/XX/XXXX , the delinquency was removed from all   XXXX    credit agencies. Im assuming this was due to the new standards in which debts are added to your credit report as of  XX/XX/XXXX . Between  XX/XX/XXXX  and  XX/XX/XXXX  the same delinquency was re added to my transunion account causing my score to drop  XXXX  points. I have already contacted Transunion about this issue ; was on the phone with them today for hours getting the run around. I Spoke to several of there reps and supervisors whom were unable to explain the mishap let alone correct it. One in particular supervisor in the special handling department,   XXXX   XXXX  , was extraordinarily rude saying it could be I missed a payment. When I explained I never miss a payment, she went on to point out that only  XXXX  credit card agency had reported to them at this time and the other   XXXX   had not. This upset me to say the least because if a credit agency had not reported to them as of yet how exactly would that effect my report?! I argued how much nonsense that was and was told the delinquency was never removed or readded. So she proceeded to talk to me like a customer trying to lie and pull a fast one. I felt as though she was insulting my intelligence. When asked if I could speak with someone else she proceeded to say she was a supervisor and there was no one else. I had to hang up and call back. This go round I was told that on their end my credit report was n't showing a   XXXX   point drop and they had no way of checking the history as they can only see the updated account info. When I pointed out that it was showing on the website I was given the excuse that the website calculates the score using a different system so it could show different score by a few points ... Well   XXXX   points is a rather big difference and if I 'm checking the transunion score online and calling to speak with transunion, there should not be a difference in what I see and what they see as far as score is concerned. This is a serious matter, were talking about credit agencies whom make and or break my ability to get a car, credit card, apartment or loan. When contacted about an issue I should n't get an " I do n't know '' or a speculation of what may have occurred. the credit agencies should be able to give exact information. I could understand if a new delinquency was added, as it would be self explanatory. But I only have one delinquency. So if not this then what could have cause the sudden change? Im currently in the process of moving and now have to hold off and figure out what 's going on before I apply for a new apartment or I risk being denied ... Unacceptable.
Below are a few screenshots added showing the discrepancies. If the account was never removed why would it show a s of  XX/XX/XXXX  not to be  present then resurface again after?
Product: Credit reporting, credit repair services, or other personal consumer reports

PER 15 USC 1681B THE BUREAUS ARE BREAKING THE LAW BY FURNISHING FALSE/WRONG INFORMATION ON MY CREDIT FILE. THE ACCOUNTS ARE NOT MINE AND THEY WERE A RESULT OF IDENTITY FRAUD/THEFT. XXXX WAS THE ONLY COMPANY THAT WAS ABLE TO VERIFY THAT THESE ACCOUNTS ARE INDEED FRAUD SO XXXX AND EXPERIAN NEED TO GET WITH THE PROGRAM AND PROPERLY INVESTIGATE.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Accounts : XXXX XXXX XXXX, Opened XX/XX/2023 {$150.00} XXXX XXXX XXXX {$300000.00} Opened XX/XX/2023These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : DEPT OF INTERIOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/XXXX until XX/XX/XXXX I acquired approximately 7 different loans from Nelnet student loan service. I was faced some difficult times during years XX/XX/XXXX-XX/XX/XXXX, at this time I was placed in a loan repayment program where I was paying XXXX XXXX a month for 1 year. Once the year was completed all the loans with Nelnet were purchased by XXXX  my current loan servicer and are now reporting current and up to date. I have disputed twice before with all credit bureaus asking for a deletion or even a simple status adjustment from Nelnet. The credit bureaus disputed but results came back saying to contact Nelnet. I reached out to nelnet via phone and they refused to assist me and sent me back to the credit bureaus. I wrote a good will letter and sent it in certified mail to Nelnet asking please to provide a status adjustment to atleast current since they wont delete the information off my report. The information being reported is duplicated because the same exact information is being report accurately by XXXX.

Loans : Opened XX/XX/XXXX {$3500.00} and {$6000.00} Opened XX/XX/XXXXXXXX  Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX. All loans listed above were consolidated by department of education and is now reporting XXXX in total and current.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries listed on my credit report, which I believe to be both invalid and unauthorized. These inquiries are negatively affecting my credit score and were made without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Complaint Details : Debt Collector Name : AARS Original Creditor : Net Credit Current Owner of the Debt : XXXX XXXX XXXX Issue Summary : I am filing this complaint because XXXX has engaged in repeated and harassing behavior in their attempts to collect a debt. They have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by : 1. Harassing Communications : XXXX has been contacting me from multiple different phone numbers at all hours of the day, including via text messages. 
They have left voicemails with threatening language, such as moving the case and verifying employment information. 
2. Unlawful Third-Party Contact : XXXX has contacted my partner ( we are not married ), his family, my family, and my workplace without my consent. 
I never provided permission for them to contact third parties regarding this debt. 
3. Failure to Provide Debt Verification : The debt was originally with XXXX XXXX, sold to XXXX XXXX XXXX, and is now being pursued by XXXX. Despite these changes, I have not received proper documentation or verification of the debt. 

Impact on Me : The harassment and third-party contact have caused significant stress and embarrassment. 
The voicemail threats have made me fear for my personal and professional reputation. 



Supporting Evidence : Call logs showing the frequency and times of their calls. 
Voicemails or text messages left by XXXX. 
Statements from my partner, family, or workplace regarding their contact.
Product: Mortgage

I applied for a HELOC on XX/XX/2022 online with USBank. They are my primary bank, and I have my first mortgage with them. I have outstanding credit and clean payment history with them. Initial disclosures went out within the first few days, within compliance timelines. The house is in a trust, so they requested trust paperwork. We provided it timely and they responded back saying we needed an updated, notarized trust cert. We paid for the notary and got it completed and uploaded. They rejected the document with no reason as to why, so we reuploaded it. I believe they did so to trigger a XXXX and buy themselves processing time. I reuploaded the document on XX/XX/XXXX, and have yet to hear back from them. I have emailed and phoned the mortgage representative numerous times and have yet to get a response. 

I believe they are abusing their systems to get around RESPA and TRID rules. Its borderline pathetic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with your company ( XXXX, XXXX ). This item is fraudulent and needs to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was XXXX  in a XXXX XXXX program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of XXXX  as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact XXXX  XXXX from XX/XX/XXXX until XX/XX/XXXX. Before XXXX school, I had never missed a payment.
Product: Debt collection

I have a small claim case with a future hearing date scheduled with the original company who sent this claim of debt to a collection agency. Invoice totals and final statement totals are not equal. An additional arbitrary and unexplained amount was also added to final statement. 

XX/XX/2023 - Received email notice of an attempt to collect a debt XX/XX/2023 - Replied via automated system that I was disputing the accuracy of the claim. 

XX/XX/2023 - Sent dispute via certified mail requesting accuracy of the claim. 

XX/XX/2023 - Received notification that a derogatory claim on XXXX.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Money transfer, virtual currency, or money service

Starting XX/XX/XXXX ... You need to withdraw US {$29000.00} and you need to provide 10 % deposit... then because it wasn't done all at one time I had to do it again ...... The fund review was successful. We are contacting the financial department to transfer the funds for you. Please wait ... .. To pass the bank 's big data system and transfer successfully, you need to deposit {$3000.00} for verification.Then The finance department replied that a 10 % handling fee is required to complete the transfer... You need to pay a handling fee of XXXX to make the transfer successful .... You need to pay US {$1500.00} in documentation fees and human resources fees before the bank leader will sign the transfer for you. The finance department replied that it took you too long to complete, which resulted in late payment fees on your transaction funds. The current late payment fee you need to pay is US {$1900.00} .... The government requires you to make up the {$2200.00} difference before allowing the bank to transfer you {$40000.00} ..... Sorry, we received a notice from the government department. Since your funds are frozen by the anti-money laundering department, a deposit of US {$5000.00} is required to complete the transfer. This is a requirement of the government department, otherwise your funds will be confiscated. This is a requirement of the government department, and we are also following the instructions of the government department. But what I can assure you is that after you complain, your funds will be permanently confiscated by the government department, thank you.
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 ported consumer right and confidentiality under 15 USC 1681 VALLEY XXXXXXXX XXXX Account XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Debt collection

This company keeps calling my residence asking to speak to XXXX XXXX. I have informed them on multiple locations that they have the wrong number and to not call my residence again. They still continue to call. I do not know a XXXX XXXX and she does not live at this residence.
Product: Credit reporting

I responded to an online Ad for a free consultation with California XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation 3 days cancellation right ended on XXXX business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.
Product: Credit card

Each month, I would be loosing over {$200.00} in points on my Marcus by Goldman Sachs GM Card. Frustrated I called the number on my card : XXXX on XX/XX/XXXX at XXXX XXXX. I spoke with a gentleman but I did not note his name. I asked if there was anything else I can do with these expiring points as I am not ready to purchase a vehicle right now and he said I was able to use my points, XXXX XXXX XXXX  to pay off my credit card bill. This was great, I would not be just letting all this money get wasted. I had {$4600.00} in points. He explained that once I am ready to make a payment, I would need to call this same number and they would do the transfer internally. 
Taking his word for it, when I went on vacation and used my card. On XX/XX/year> at XXXX I called in to do just this. I was then transferred to the rewards department and was told I was not able to transfer points to my balance. There was not a manager or supervisor there for me to speak to so I had to call back on Monday. I called back and get transferred to the rewards department. After speaking to many different people that explain its the rewards department issue, the rewards department state this is the Goldman Sachs issue and they do not have a drop down selection for this reward transfer because the type of card I have does not allow for this ; there is still not a satisfactory outcome. 
I would not have purchased as much as I did if the agent didnt tell me that I had over {$4000.00}. avaliable to spend.