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

By 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 has violated my rights : 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

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 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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. 

1. XXXX XXXX XXXX XXXX. XXXX XXXX Charge-offs are a cancellation of debt which become INCOME, and income is prohibited information on a consumer report. 

Furthermore, XXXX XXXX debt and any actions of collection was dismissed in the court of law and should not appear on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the XXXX XXXXXXXX XXXX ( Account # XXXX ) multiple times with TransUnion and Experian, yet they continue to report this account inaccurately. XXXX has never reported this account, which raises serious concerns about its validity and the accuracy of the information being furnished. If this account is legitimate, it should be reported consistently and accurately across all major credit bureaus. The inconsistency in reporting suggests a failure to ensure maximum possible accuracy as required under XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act. I never gave any authorization, either in writing or verbally, for this account to be reported. Under XXXX XXXX. XXXX ( a ), a consumer reporting agency may only furnish a consumer report if there is a permissible purpose under federal law. Since I never provided any form of consent for this account to appear on my credit report, its presence is a direct violation of my rights under the FCRA. If TransUnion and Experian are reporting this account without my permission, they must provide documented proof of my authorization or immediately remove the account. By continuing to report this account after multiple disputes, TransUnion and Experian have also failed to conduct a proper reinvestigation as required under XXXX XXXX. XXXX ( a ). Their negligence in ensuring the accuracy of my credit report has caused me financial and emotional distress, affecting my ability to obtain credit and secure housing. Under XXXX XXXX. XXXX and XXXX XXXX. XXXX, TransUnion and Experian may be held liable for willful and negligent noncompliance, which could result in statutory damages. I demand that this account be removed immediately or that TransUnion and Experian provide clear and verifiable documentation proving that this account is accurate, authorized, and lawfully included in my credit report. If this matter is not resolved promptly, I will have no choice but to escalate this issue through additional legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 or other personal consumer reports

I have constantly contested the inaccuracies in the following information with Equifax and XXXX and unfortunately, the issue remains unresolved to this day. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being run around. The Credit Bureaus all tell me to call the creditor " XXXX XX/XX/21 ''. While the creditor is saying I'm not in their system, they don't have any record of me and to dispute it with the Credit Bureaus thats reporting it and have it deleted from my credit report. I was also informed that there are discrepancies with that account that are inaccurate. I want this account deleted as it does not belong to me and the original creditor " XXXX XX/XX/21 '' had stopped reporting it to the credit bureaus as of XX/XX/21. I'm really not understanding why this is such a pain in the back to corrected. The Credit Bureaus has to fix this issue not me nor the original creditor. As they're the only one who has any information on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 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 or other personal consumer reports

XX/XX/year> my information was compromised in the. Equifax data breach and I noticed a few accounts were opened under my name social and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Inquiry : XXXX has violated my rights Inquiry : XXXX bank has violated my rights Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX  XXXX. 
Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX 15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 information, other than records of conviction 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: Debt collection

Original Creditor : Continental Fin Co Two Different Amounts {$230.00} - {$700.00} Amount Claiming Owned XX/XX/2019 Date Reporting On My Credit Profile **** Requesting **** VOD Validation Of Debt **** Account Status Reporting Negatively Hurting My Credit Profile
Product: Credit reporting or other personal consumer reports

This is the first time I've complained about being a victim of identity theft. You must remove/remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX
Product: Credit card or prepaid card

After responding to a voice message fro m Citibank, I c alled the number on back of my card and learned that a balance in the amount of {$99.00} was 60 days past due, along with multiple late fees. I asked how this was possible as we have n't used the card in months. They explained that  XXXX   XXXX  had auto-debited our account and that the balance of the {$160.00} owed represented late fees. My wife and I are 1000 % certain that we never signed up for paperless statements, which had we received this could have been avoided. Today I received an invoice showing the {$160.00} balance owed. To be safe, I called to confirm that there was no balance due and that there was a {$37.00} credit for  XXXX  of the late fees. I asked them to add to the credit the {$43.00} of cash back rewards earned. The manager on the other end of the line,  XXXX   XXXX  ID #  XXXX  ) said the account is closed and that there is no way of crediting the cash back balance. She further said they can not notify the credit bureaus that the late notice was an error because it was not an error, we made the payment late. Disappointing that our 16 year history of timely payments to this company ended like this. I suspect that because the account was dormant 12 months, the statements were defaulted to paperless to save on the costs associated with paper statements. We also have  a Costo Citibank card that we will close. There must be a better way to protect consumers from these unscrupulous tactics to generate late fees and avoid making good on earned cash back rewards ( at the time of account closing, we were not notified of forfeiture of this reward balance ).
Product: Payday loan, title loan, personal loan, or advance loan

Merchandise has been returned via XXXX ( shows up on my account as returned ) but Affirm still takes money out of my checking. Organization still refuses to remove an old phone number that I dont have or know. Therefore, Affirm wont discuss the stop payment problem and continues to take my money for merchandise I dont have.
Product: Vehicle loan or lease

I received a refund check from chase for a little over $ XXXX.stating that the wrongfully had taken my car and sold it and I was in the XXXX. I finally received the check and cashed it with no info attached and after 3 years I received a letter from the IRS stating that chase sent in aXXXXform for me to pay taxes on this money. This was not money from working for chase but a refund from you over charging of fees and resale of my car. I have been calling and no one seems to know what to do ect. i spoke to the IRS and they stated that Chase needs to send a new XXXX form correction to get this situation handled and sent to IRS with correct information to get this handled this is causing me to have to pay over {$6800.00} in Taxes. I need this situation handled so that I can put this behind me. If I have to keep reaching out to someone in regards to this matter and getting no answers. I will be having my lawyer to contact due to this matter with information sent to the XXXX. this should have been information sent in the later. so that I could have filed right then in there but now I have fees ect for this which is affecting my life. if you ever get anything from them be sure to request all forms needed and get names because its been 3 years and still no answers
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$910.00} XXXX XXXX  XXXX BALANCE : {$560.00} XXXX XXXX XXXXXXXX BALANCE : {$1200.00} XXXXXXXX XXXX XXXX XXXX BALANCE : {$6900.00} XXXX XXXX BALANCE : {$700.00} XXXX XXXX XXXX NA XXXX BALANCE {$780.00} XXXX XXXX XXXX BALANCE : - XXXX XXXX XXXX XXXXXXXX XXXX : {$410.00} XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$890.00} XXXX XXXXXXXX BALANCE : {$1000.00} XXXX XXXXXXXX BALANCE : {$0.00} - XXXX XXXX XXXX XXXX : {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCE : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$970.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1200.00} XXXX XXXX XXXX & XXXX XXXX : {$140.00} XXXX XXXX XXXX XXXX  BALANCE : {$1200.00}.
Product: Debt collection

I forgot the name of the agent, however upon speaking to her several times trying to explain to her that I could not afford any of the options she was giving me. She told me that I had to figure it out ( somewhere along the lines of that ) and then hung up on me. I called back and told her that I no longer wanted to speak with her via voicemail because no one answered. However she kept calling me to the point that I needed to block her number. On top of that, I did not know that I could dispute my debt with the school and there is also a XXXX $ collections fee that I have to pay them just to take my account. I tried taking out a personal loan from XXXX XXXX to pay them. But XXXX XXXX XXXX was not willing to move the date back to clear my loans for the semesters that I was not paying. The letters and phone calls to my house continued with lines that said We recommend that you pay the XXXX $ in full or We have not discussed any ways that you plan on paying when I infact DID tell her how I planned on paying. In my most recent letter she pretty much lied about her not being able to contact me and not knowing how I planned on paying.
Product: Mortgage

my mortgage loan was modified request was completed XXXX XXXX, 2017 with Wells Fargo Home Mortgage. My credit report with the 3 credit bureau XXXX, XXXX, XXXX is reflecting My mortgage to be currently delinquent and past due. That information is incorrect. Wells Fargo has not reported the current terms of the mortgage. Upon the modification being complete I was informed by Wells Fargo they would remove the delinquent payment history and report the current mortgage balance with the current mortgage history.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Checking or savings account

On XX/XX/2022, on the day called XXXX XXXX and asked them to release my account information for XXXX, so I can use it for other accounts they refused to do that so they can move money around in a ghost account. I am accusing them and I am fearful that they're using this account that I can't get in for illegal activity instead of just releasing my email address so I can put it towards another XXXX account using another bank over the phone after a number of billionaires across the sea in XXXX cut off from the world and a talk show host XXXX XXXX not being able to touch the money she accumulated over the years just because someone does not like her
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American Frist of a  fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX and XXXX XX/XX/XXXX which was not authorized. A formal dispute of this was first provided XX/XX/XXXX and again XX/XX/XXXX both were received as confirmed by the return receipt. A credit report current as of XX/XX/XXXX still has this inquiry listed. This is a violation of my clients federal consumer rights and a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Vanderbilt Mortgage and Finance reported to all major credit bureaus that my loan # XXXX was a CHARGE OFF. XX/XX/year> my account was payed in full i contacted Vanderbilt once i came aware of this issue when i lost my home XX/XX/year> because of this reporting it's been impossible for me to find stability for my son 's and I. Vanderbilt sent me out a document of correction stating they incorrectly reported and that my loan # XXXX was paid in full XXXX 2023. Not only I've taken a big loss, when Vanderbilt recieved an ACH payment of {$22000.00} from XXXXXXXX  Department of Housing and Communty Affairs my loan balance was XXXX only {$18000.00} was applied to my loan and my Escrow acct balance : {$900.00} Vanderbilt failed to submit payment to insurance and taxes when verbally confronted via phone the expressed they had decided to no longer pay for my insurance, the insurance company also told me not once but twice reached out to vanderbilt regrading payment and nothing was received so as a result when our house fire accured i had no knowledge untill i called the insurance to report the fire and thats when they told me my Home Insurance was cancelled due to non payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out 4 different letters dating back as far XX/XX/XXXX to XXXX, XXXX and Experian the latest being XX/XX/XXXX and another one I am sending out today XX/XX/XXXX. I wrote to XXXX, XXXX and Experian to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as " verifed accounts ''. Therefore, since they failed comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX  has not provided any documentation, they did not confirm who verified the information or what company. They have refused to remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Both Bankruptcies XX/XX/XXXX/XX/XX/XXXX even after I provided a letter from XXXX XXXX and the local Bankruptcy court stating they dont report to Bureau 's so how can XXXX, Experian and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else. I called and spoke with a lady named XXXX today XX/XX/XXXX ( XXXX ) to inquire about my recent notices-she stated they do not remove things from my credit report and to file a police report.