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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

Experian has failed to fulfill its legal obligation under the FCRA to Conduct a reasonable re-investigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experience, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses and failing to adequate notify consumers of dispute outcomes. These failures align with my experience where experian has neither corrected or removed disputed items despite evidence provided, causing harm to my credit report. I request immedietly to remove or amend the disputed accounts being violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports.
Product: Mortgage

SPS received my loan due to a service transfer XXXX XXXX ( payment already submitted to previous lender ) XXXX payment went unpaid, i noticed it was not withdrawn as i set up to be done at closing originally and i called in to make payment the first week of XX/XX/2022 for both XXXX and XX/XX/2022 and all was caught up. I went to purchase a new vehicle and i was told that my credit was reported late for the month of XXXX, i called into the company and they stated they were unable to update the reporting due to the transferred 60day grace period being over. this maybe a system issue/coding but the payment or the month it was transferred over was paid and XXXX payment was made to solve both XXXX and XXXX this drastically hurt my score and i was unable to be approved due to this. The refusal to correct this issue is unfair and abusive to me and a customer although this is one credit hit it has been extremely stressful on me as my credit is something that i take care of! IF the servicing transfer never took place this would have never happened which makes this completely unfair.
Product: Mortgage

My home was completely destroyed XXXX XXXX. I received {$380000.00} in insurance claim checks from my insurance company. Because there was still a small balance on the mortgage, the checks were issued in both my name and the name of the mortgage company ( " Cardinal Financial '' ). I followed the directions on their website and endorsed the checks and overnighted same to them with a voided check ( for ACH refund ) and a letter requesting that the mortgage balance be paid and remaining funds deposited in my checking account. I was told I would receive the balance ( about {$300000.00} ) 5 days after the mortgage was paid off. When I did not receive the balance in that timeframe, I contacted the company, and was told that I had to wait 15 days from the day of payoff before they sent it, and that since I requested the mortgage be paid off, they had to send a check by mail and could not use ACH ( no one could tell me why this mattered ). Yesterday, was the 15th day. When I looked at the account online, I saw that they had in fact sent me a check, but it was for LESS THAN HALF of the balanced owed to me. I called to ask why they hadn't sent all of my money back, and I was told they would be holding the rest for yet another 15 days!!!!! No one I spoke with at the company could tell me why they were continuing to hold on to my money since the mortgage was paid off and they no longer hold any interest in my property. These large companies should NOT be able to treat people like this. They are obviously holding on to my money " because they can '', and it is to my detriment as I am attempting to purchase another house which I may lose to another buyer, because they are holding on to my money unnecessarily. PLEASE do something about this!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE 1. Identity Theft 01 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show that items listed are incorrect and viloations due to FCRA and also FDCPA. The alleged account AARGON AGNCY ( Original Creditor : XXXX XXXX XXXX. Account number listing on my credit report is XXXX. I attempted to contact the debt collector with no successful of showing that I owe any alleged debt and I also contacted the credit bureaus that reflect such alleged debt and neither have relied and is over 60 days and is a direct viloation of FRCA. Also, I understand per the law that a collection/charge can not report and open balance and must report as {$0.00}. This alleged debt is showing an open balance in the amount of {$1900.00} which is a direction viloation of FDCPA. Please delete this account.
Product: Debt collection

See attachment for debt not owed, but TSI is taking to collect.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my credit report without my knowledge. 

In section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Codes & 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 )
Product: Student loan

Aidvantage stated that I had not paid my bill which I did for the month of XXXX twice ; one payment cleared my bank on XX/XX/2023 and another on XX/XX/2023 ; they stated my bill was overdue and it was not for month of XX/XX/2023. They then proceeded to change the length of my loan on XX/XX/2023 and updated the terms without my consent shortening the life of my loan by 8 years. The result was a much larger payment that they then lumped in with the payment for XX/XX/2023. I have been trying to call for 2 days to get through and have been sitting on the phone waiting to speak with someone for XXXX hour and 14 minutes this morning, XX/XX/XXXX since my bill is apparently late even though I paid it for XXXX twice already. I will be happy to provide account information as the loan, the page snips and documents have all been downloaded and saved.
Product: Credit reporting or other personal consumer reports

When I reviewed my updated credit report dated XX/XX/year>, I discovered that there is erroneous account. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

I wish to dispute this account. This account was created XX/XX/XXXX. XXXX XXXX devastated 80 % of XXXX XXXX XXXX on XX/XX/XXXX, 80 days after this account was originated. 
I left XXXX XXXX XX/XX/XXXX. 
Hypothetically Speaking, if I were a student at that time - There should be a Student Loan Forgiveness Program for students that were affected and displaced due to XXXX XXXX. 
If you are, legally, going to GIVE me this account, I wish to apply for XXXX XXXX XXXX XXXX Forgiveness or other disaster relief. 
The Company I worked for was destroyed I was unemployed. The Schools in XXXX XXXX were closed for at least 1 year or longer. I lost ALL MY private PROPERTY - HOME - CLOTHING. 
I stayed in a hotel in XXXX, XXXX  until XX/XX/XXXX. FEMA relocated me to XXXX  XX/XX/XXXX. I stayed in XXXX XXXX, XXXX, XXXX  for 6 months paid by FEMA. I accepted residence in XXXX XXXX, XXXX  in XXXX. 
This Student Loan originated XX/XX/XXXX with XXXX as the servicer - XXXX sold it to XXXX XX/XX/XXXX, XXXX  years after. XXXX sold this Loan to protect itself. CFPB banned XXXX from servicing Student Loans based on years of abuse of Student Loans. There is reasonable doubt, of the accuracy and legitimacy of this student loan account.
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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received XXXX letters on the same day from RMS in XXXX, XXXX. I am a resident of XXXX. 

The XXXX was a request for payment of an account with " XXXX XXXX XXXX ( re '' totaling {$1300.00}, dated XX/XX/XXXX. The XXXX was a letter " responding to your recent request for supporting information '' about the debt mentioned in the XXXX letter, and was dated XX/XX/XXXX. Attached to this XXXX letter were XXXX statements. The XXXX was from XXXX XXXX XXXX, and dated XX/XX/XXXX. It displayed a balance of {$1100.00}. The second was from the XXXX, XXXX Government, and displayed a balance of {$600.00}, and also dated XXXX. 

Neither of these documents had my correct name, Social Security Number, or any other correct information. This is not a debt I owe, and RMS is quite obviously trying to get any money they can from me for what appears to be an international, fabricated debt. 

At no time have I communicated with RMS prior to receipt of these letters, so their second letter " responding to your ( my ) request '' is utterly bogus. Of course, that 's in addition to the utterly bogus " 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 a 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is not licensed to collect in the state of XXXX XXXX as you see in the attachment below which is a violation of the law ( No person, firm, corporation, or XXXX shall conduct or operate a collection agency or do a collection agency business, as the same is hereinafter defined in this Article, until he or it shall have secured a permit therefor as provided in XXXX  Chapter XXXX XXXX ( XXXX ). ) which invalidates this debt, with this not being a debt that can be legally collected it must be removed from my credit report
Product: Credit reporting or other personal consumer reports

As the consumer, I mailed an opt out letter to Experian, XXXX and XXXX XXXX on XX/XX/2024. I requested that they send me written proof of them applying my opt out request to my account. They ignored me and didn't process my request as the consumer.
Product: Debt collection

This debt ensued because of the following : Good morning, The balance in collections are from dates of service XX/XX/XXXX and XX/XX/XXXX. Date of service XX/XX/XXXX was originally paid by XXXX in XXXX of XXXX then recouped in XXXX of XXXX. They are stating that you had other insurance and they did not receive information regarding the other insurance from you. Date of service XX/XX/XXXX was originally paid in XXXX of XXXX then recouped in XXXX of XXXX for the same reason. Please let me know if you have any other questions. 

Thank you, XXXX I contacted the original hospital XXXX XXXX and told them what had happened and asked them to resubmit the claim to XXXX. They failed to do so and instead turned it over to a collection agency. I have tried for the past four months to get the collection agency as well as the hospital to respond to my requests to validate and nothing. It wasn't until I emailed everyday for 3 weeks did they finally respond with the above information.
Product: Credit reporting, credit repair services, 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. 

Here are the fraudulent inquiries in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an email from my bank, XXXX, that a derogatory account was on my credit report. I went to XXXX to review my credit and found a loan for over {$68000.00} with Toyota Motor Credit. I've never taken out a loan with Toyota Motor Credit nor do I currently have a vehicle with a lien against it. I contacted XXXX and Toyota Motor Credit on Tuesday, XX/XX/XXXX to dispute this information. I have yet to hear a resolution from either of them. I also contact the auto dealership ( XXXX XXXX in XXXX XXXX, AR ) where I believe my identity was used to purchase the vehicle.
Product: Money transfer, virtual currency, or money service

Paypal permanently limited my account on XXXX XXXX XXXX PST Time with my fund of XXXX dollars that I can't withdraw.I tried contacting Paypal XXXX it but they said it's final. Thank you so much.
Product: Debt collection

I have turned this debt over to a credit management service. I had 2 accounts with  them and they have both been placed on the credit management plan. They are receiving payments from this service on a regular basis, but they still call me multiple times a week. The few times I have spoken to them, they are aggressive and rude. Telling me they will contact my employer to garnish my wages and that I can go to prison for not paying the debt that they are receiving payments on. When I asked to speak to a supervisor or if the calls were monitored, they told me they were not recording the call and I can not speak to anyone in a supervisory position until I pay the debt owed. 

I have now blocked their calls, but they continue to call and leave repeated voice mails. Many times early in the morning or late at night. I refuse to take their calls due to their aggressive nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC REPORT ATTACHED IDENTITY THEFT, FRAUD. ACCORDING TO THE FAIR CREDIT AND REPORTING ACT IDENITY THEFT VICTIMS AND THOSE WHO BELIEVE THEY ARE VICTOMS HAVE THE RIGHT TO BLOCK FRAUDULENT INFORMATION FROM YOUR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT FRAUDULENT INQUIRIES BELOW XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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.
Product: Credit card or prepaid card

On XX/XX/2022, I wrote to Comenity Bank/Victoria Secret to dispute 2 late payments showing on my account. I advised them that I called member service when I got out of the hospital to file a claim with Account Assure as I would be unable to make my payment. I further explained that Account assure failed to make the payments in a timely manner and I should not be penalized for that, I further advised the representative that according to 15 US code 1681a ; Rules of Construction, paragraph 2 exclusions and sub paragraph A subsection I that transactions are not included in the consumer report. 

Comenity refused to remove the late payments from my credit report in violation of the afore mentioned code.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXXXXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

My Barclays credit card was being used by someone else without my knowledge or consent. I contacted Barclays about this issue, explaining that I did not have access to the portal, could not make payments, and was not aware of any payments due, as the account had been taken over by the individual who stole the credit card. I received XXXX late payment marks on my credit report, even though I had no control over the issue. I am requesting that these late payment marks be removed from my account. I have since been able to access the account, paid off the account, and closed the account to ensure that this issue will not happen again.
Product: Credit card or prepaid card

On XX/XX/19, I went to purchase {$400.00} itune gift cards at XXXX. I used Citibank credit card first, but XXXX said it did not go thru, so I then paid it in cash. But the charge still appears in my account. I then dispute the charge with Citibank and went several times to XXXX  and Citibank to resolve the issue. XXXX showed me their sale list and told me there was no charge against my credit card and gave me a copy of it which I sent to Citibank. After that Citibank still insists on the charge. I was caught between them, one said no charge, the other said a charge exists. So I have to pay twice on the same item? I have tried to resolve it with them 4-5 times but to no avail. There must be a computer system problem on both or either company and also their business practice!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion stated my account was properly investigated and yet again returned back verified XX/XX/2023. But how is that possible if the said Bankruptcy is still reflecting the incorrect Docket # number which is an ERROR, also it violates the FCRA Laws that all credit bureau 's must report all consumer information with 100 % accuracy. and they have shown once again they are practicing predatory ways of not doing real investigations and they need to be thoroughly investigated themselves! It's not right when Consumers point out obvious or any valid errors and the credit bureau 's are allowed to keep making it harder for us to fix our credit along with getting our credit score hurt preventing consumers like my self to have any real purchasing power for our families by the neglect of them.