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

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC1681 section 6028. States I have the right to privacy.

And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear TransUion, XXXX, and Equifax I am writing to dispute certain inaccuracies in my credit reports regarding my XXXX XXXX XXXX loan account. The details are as follows : Account Name : XXXX XXXX Reported Balance : {$4400.00} Date Opened : XX/XX/XXXX Account Status : XXXX and XXXX report the account as " Charged off '' with a balance of {$4400.00}, while Equifax indicates that I have 100 % left to pay on this loan. This discrepancy suggests that Equifax is not updating the account status accurately. 
Consumer Law : Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft, not later than 4 business days after receipt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, this account is in violation for not reporting 100 % accurately. 
Payment History : XXXX indicates that I have made no late payments ( XXXX ), while Equifax shows that I have only made 18 % of payments on time and lists XXXX missed payments. This significant difference needs to be corrected.

Consumer Law : The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report, as stated in 15 U.S.C. 1681i. 
Last Payment Date : There is a discrepancy in the reported last payment date : XXXX lists it as XX/XX/XXXX, while Equifax states it as XX/XX/XXXX. While minor, accuracy is essential. 
Consumer Law : Under 15 U.S.C. 1681e ( b ), the FCRA requires that all reported information be accurate and verifiable. 
In accordance with the Fair Credit Reporting Act, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Pursuant to 15 U.S.C. 1681, I have the right to privacy, and under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting the original copy of the agreement and the terms and conditions associated with these accounts. Failure to comply will forfeit your claims and require you to delete all the items listed above. You are required to block these transactions from being reported to my credit report within 4 days from the date of receipt of this notice. 
Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
Please confirm receipt of this letter and inform me of the outcome of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requested debt validation on XX/XX/year> and sent a letter did not receive anything back
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX  Account Number : XXXX Balance : {$3500.00} XXXX XXXX  Account Number : XXXX Balance : {$2500.00} XXXX Account Number : XXXX Balance : {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my collection with Midland Funding long ago and they still have not removed this XXXX XXXX account. This is not the first problem I have with them, last time they tried to charge me again after paying them!
Product: Vehicle loan or lease

There was a beach and my ssn exposed. There are XXXX plus on my credit and I ask for the contact, with none to be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : - XXXX XXXX  XXXX XXXX. XXXX  : {$5600.00} XXXX XXXX  XXXX .... XXXX  : {$2400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... XXXX : {$6400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used a 3rd party service ( XXXX XXXX XXXX ) to get set up with Navient for my student loan repayment. Navient used all contact information from the 3rd party to process my loan. All correspondences relating to my loan, payments and personal contact information was sent to XXXX XXXX instead of me. I received no account number, payment dates, payment amounts, calls or notifications of my repayments status. It was not until a delinquency appeared on my credit report that I was made aware that they were not receiving payment from XXXX XXXX. Once the delinquency appeared on my report, I immediately contacted them and brought the account current! Updated my contact information, including phone, address, email and changed my account log in information. The issue is that the late payment and delinquency was not removed from my credit report. As Navient set up this account with fraudulent information and was never able to contact me to discuss the student loan, my credit has suffered and I am now unable to secure a home loan that I am currently seeking for a home I am scheduled to close on in 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the Equifax information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from XXXX XXXX XXXX removed from all 3 major credit bureaus on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please see that these fraudulent accounts removed immediately from my credit file.
Product: Debt collection

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage XXXX.
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 XXXXXXXX Dear Sir Madam XXXX Subject : Request for Account Details Account XXXX I am writing regarding the above-referenced account. Please note that I am not disputing the account. However, I kindly request that you provide the following information.

1.- The Date of First Delinquency for this account.

2.- The Date of Last Payment made on this account.

The Date of Charge-Off or UPDATE for this account.

I would appreciate it if you could provide this information in writing. If additional authorization is required to process my request, please let me know at your earliest convenience.

Thank you for your prompt attention to this matter. I look forward to your response. 

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

XXXX XXXX, an individual who was previously employed by me as my right hand man, breached and stole my identity and gained unauthorized access to my credit, even resorting to accessing my mail. It is with a heavy XXXX that I recount the events that led to this unfortunate situation. 

XXXX XXXX was employed by me in the position of XXXX XXXX at my company from XX/XX/XXXX to XXXX XXXX. During his tenure with our organization, it became evident that XXXX XXXX had several character flaws and engaged in dishonest practices, which ultimately led to his termination. 

Dishonesty : XXXX XXXX displayed a consistent pattern of dishonesty during his time at our company. This included making false statements, manipulating financial records, and failing to adhere to company policies and ethical standards. 

Anger Issues : XXXX XXXX 's conduct also raised significant concerns regarding his emotional stability and anger management. On multiple occasions, he exhibited outbursts of anger and aggressive behavior towards colleagues, creating a hostile work environment. 

Access to Personal Information : As part of his role, XXXX XXXX had access to sensitive company information, including personal data of employees and clients. This access gave him an opportunity to gain unauthorized access to my personal information. 

It has come to my attention that XXXX XXXX, after being terminated, stole my identity and gain access to credit in my name. He went to great lengths, including accessing my mail, to achieve his fraudulent objectives. To address this breach of security, I have since recently implemented measures such as mail digests and heightened security protocols to safeguard my personal information. 

Upon uncovering these grave violations, we took immediate action to terminate XXXX XXXX 's employment and reported the identity theft attempts to the appropriate authorities. We have been fully cooperating with law enforcement agencies and have taken measures to enhance our security protocols to prevent such incidents in the future. 

I want to assure you that I deeply regret any inconvenience or harm caused as a result of XXXX XXXX 's actions. Identity theft is a serious matter, and we are committed to assisting in the ongoing investigation to bring him to justice.
Product: Debt collection

XXXX XXXX issued a credit card under my SS # on XX/XX/15. I would have been XXXX old at the time. I did not apply for this card and was not even old enough to legally have a credit card. XXXX XXXX did not perform their due diligence when approving this card. XXXX XXXX then sold the debt to Portfolio Recovery Associates. I have contacted them on 2 occasions to file a dispute and advised them of my birthday and the situation. All they keep doing is responding by providing me with the account information from XXXX XXXX as the seller. This is not a valid debt. This all started due to the negligence of XXXX XXXX. They will not help since the sold the debt and Portfolio Recovery Associates is ignoring the fact that I was XXXX old when the card was taken out. They even confirmed with me that the date of birth on the account was not mine. This needs to be resolved and has been going on for months. All they have to do is match up my social with my birthday and they can see that I can not possibly be legally liable for this debt.
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 has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXXXXXX XXXX XXXXXXXX  XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX / XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX BANKRUPTCY XXXX XXXXXXXX XXXX XXXX GEORGIA XXXX has violated my rights. 

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

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

15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I have an account with Afterpay. I am enrolled in a programAfterpay Plus. The program is set to end on XX/XX/year>. I amsupposed to be allowed to continue utilizing the perks ofthe program until this date. However, Afterpay has alreadyremoved the features and benefits of the program beforethe agreed date. I have reached out to Afterpay for 5 dayswith no response back to resolve the matter.
Product: Debt collection

1. LVNV FUNDING LLC I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
Product: Credit card or prepaid card

Credit card opened without my consent. The company wil not close the account fully unless I report it here. Company name indigo
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always payed my payment early. I have been paying extra payments. So that my loan is payed off. And was considering having more dental work once loan payed off. I have payed a total of 4 payments for the month of XX/XX/2023. I looked online and it stated Im late for XXXX when i have payed triple payments for XXXX. This needs corrected. This could affect my credit score. I would like to buy my dream home. And this could affect me achieving my goal.
Product: Debt collection

I sent this company a validation of debt letter on XX/XX/2020 and I failed to receive a response. I sent another one on XX/XX/2020 and I still have not received a response. Yet, this company continues to report this debt on my report and I am not sure if it is accurate as this company refuses to respond to any notifications about this debt. Also, this company has not made any effort to notify me that I owe this debt in any way shape or form.
Product: Credit reporting, credit repair services, 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, I am a natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

Somebody stole my identity and has been using my information to open credit cards and get loans for cars and personal consumer loans I put a credit freeze with all three credit bureaus and somehow this person has already made an account with Experian so I dont know if they lifted the freeze with Experian but I cant access Experian obviously because this person already has an account with them and our information doesnt match so Experian doesnt let me access account online nor do they give me access over the phone
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to Experian informing them that they are inaccurately reporting an account on my profile. The " date opened '' on account number XXXX is incorrect. I have not received a response from them and when I pulled my report again on XX/XX/2023, the information was still reporting incorrectly and the status remains " account not disputed ''. Per the FCRA, I asked for this account to be deleted from my report because it is inaccurately reporting. This is a violation of my rights as a consumer and I want this deleted.
Product: Mortgage

I have made multiple attempts to obtain a payoff of my loan for the purpose of refinancing. When myself, my lender or my escrow company would request a status update to the request, Seterus would either say they do not have a copy of it or say they will restart the request. I have waited 19 days as of today to receive my payoff and still do not have it. I have evidence that they have received it. I have lost hrs attempting to resolve to no avail. There is no reason it should take this long and there is no reason I should n't be able to print XXXX on my own from their website. I 'm held hostage to this bank.