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 Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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, credit repair services, or other personal consumer reports

Experian should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past had an account with XXXX XXXX. I have contacted the bank and they could not locate any information that this account belongs to me. This false reporting of an account that is ( 60 ) days late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I was charged {$120.00} for a year of web subscription of the XXXX  XXXX the was never authorised by me. I cancelled that the same day I say the charge. It is still being posted as purchase and I never reined the refund as promised.
Product: Credit reporting or other personal consumer reports

I opened the XXXX XXXX XXXX XXXX trade line in XXXX. The first delinquency was reported over XXXX years ago in XX/XX/XXXX. Per FCRA, a consumer has the right to dispute items on their credit report that are inaccurate and outdated. When I settled the balance, it was advised it would be reflected as paid and cease negative reporting. Per my settlement, I expected this account to be deleted. Since, Ive found derogatory information on my credit report that is inaccurate. I requested that the derogatory information be removed as it violates the Fair Credit Reporting Act and the credit furnishers are ignoring my requests and not providing details of how they verified the account. Also, when Ive disputed the information, it re-aged on my credit file as if its a more recent delinquency which further brings down my score. The furnisher and credit reporting bureaus are acting unethically, unlawfully and willfully engaging in wrongdoing. The FCRA laws that has been violated is : Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report bad credit information is removed after seven ( 7 ) years. FCRA Section 6:05 B, it is illegal to report information on my credit report. without my permission. According to the Fair Credit Reporting Act 15 USC 1681 section 602 it requires promptly modify or deleting the information, or block its reporting. In Section 623 ( b ) ( 1 ) ( E ) and Section 623 ( a ) ( 5 ) If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. With that all considered, this file should not be reported on my credit report. It passes the statue of limitations and violates the law. The trade-line has been deleted on XXXX credit report, except for on the Transunion and XXXX reports XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX 
Removal of these hard inquiries : 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. And I demand removal of these incorrect addresses : 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: Payday loan, title loan, or personal loan

Due to covid-19 I became homeless. My income was reduced from {$1000.00}. to $ XXXX.per month. I contacted XXXX several times requesting an Hardship due to my loss of income and residence. Each time I was refused and denied. I am in litigation against XXXX for preadotory title loan. My attorney is XXXX XXXX. 
My friends are harassed regularly if I used their address for any mail at any time. I receive phone calls daily. And letters once a month. They do not have on my account the {$1200.00} that I've already given them.
Product: Debt collection

I have been paying my debt with Gurstel Law Firm XXXX consistently and going by my calculation I have paid more than {$5000.00}. However, whenever I call Gurstel Law Firm XXXX to give me the breakdown of what Im paying off they refuse to do that. I would like to know what Im paying off such as attorney fees court fees, and how much is paid toward the balance. 
I believe Im being charged frivolous charges thus why the company refuses to give me the breakdown of the balance. I have contacted the company for many months and they keep telling me that they can only send me the total balance without the breakdown. 
Attached I the letter they have send to me every time have called but it doesnt help me without knowing the breakdown for fees and changes they are charging me. Please help me regarding this matter.
Product: Mortgage

Sometime in 2009, my mortgage was with SunTrust and my monthly payments increased due to rising insurance costs. I requested a loan modification and was told I had to be in the foreclosure process in order to be considered for the modification program. So I asked the operator what other suggestions she had as I could not afford the monthly payments. Eventually I fell behind, I was granted the modification. Only, my monthly payment difference was a minuscule change. I can not remember exact amounts. I was given a subordinate mortgage to cover late fees, interest and lawyer fees for the foreclosure process. I am curious to know how they arrived at the {$17000.00} amount for this loan. XXXX XXXX is the servicer now and can not provide the details, as they do not have it. I have requested the information from SunTrust three times to no avail. The loan modification was totally unfair as I fell into the foreclosure process AGAIN the following year. Attorney fees were only {$1200.00}. I also went to court for the matter and not one of your reps appeared ... .only to find out later my file was sold XXXX times and starting the loan modification process all over again and have another {$40000.00} added to my loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - Account is not displaying any 30- or 60-day lates. The account is shown being in " OK '' or green status in XX/XX/2018. XXXX of XXXX  the account status jumps to 90 days late. This is a violation of the Fair Credit Reporting Act in the account is not being accurately reported. 

Also, in accordance with the Fair Credit reporting Act this account has violated my rights. 

15 USC 1681 Section 602 States that 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 with my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice an item on my report that is not mine. This item need to be deleted from my credit report XXXX XXXX  XXXX and there are some inquiries also that are not mine XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been shopping for cars for about a month and today XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however when my credit report came back, I was told that I didn't get approved at all because there were a few accounts in negative standing on my credit. I looked through my credit report and I saw two accounts on there that I never opened. The accounts are both from this company US BKPT CT CA XXXX. Neither of the accounts from that company belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts. I do not have any contract or agreement with those companies and I never gave them permission to access my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft due to an XXXX  credit breech. experian credit services and XXXX credit services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Checking or savings account

The Discover Bank refuse to provide me a monthly statement including ONLY the transactions for that month for XXXX and XXXX ( say quarterly end ). 

They do provide monthly statement on XXXX, XXXX and XXXX, but for the XXXX statement and the anticipating XXXX statement, they include all activities in that quarter ( say it becomes a quarterly statement ). 

I asked them to provide me a monthly statement in addition to the quarterly statement. But they refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my Experian and XXXX credit report on line. There was an U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

I have asked both reporting agencies to provided me with detail or letter confirming i am the one who filed Bankrupt and with my signature i have not been given this information as of yet. However they continue to advise that such has been " VERIFIED '' My inquiry to the U. S. Bankruptcy Courts confirmed Experian AND XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the Dispute Lettert they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EFFECTIVE TODAY ALL PARTIES LISTED MUST CEASE REPORTING ANY OF MY DATA IN DATA BASES, NO AUDIT TRAILS NO MORE CREDIT REPORTING AT ALL OR FACE A XXXX DOLLAR LAWSUIT.
Product: Credit reporting or other personal consumer reports

I am disputing credit reporting agencies , Inc. auto loan account on my credit report, which is incorrectly reported as charged off with a past due amount of {$22000.00} as of XX/XX/XXXX. The account status is inaccurate, and the reporting is causing harm to my credit score. I initially disputed this item in XX/XX/XXXX, but the information remained unchanged following the investigation. 

Despite my efforts to correct this, the account is still incorrectly listed as charged off and remains on my credit report. I am requesting that this account be removed from my credit report, as it is either inaccurate or unverifiable.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to XXXX XXXX. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I have tried to settle out the final payoff of my auto loan with Automart. To date I have paid {$10000.00} to this but here pay here lot. 
Down payment : {$1500.00} XX/XX/XXXX Sale Price : {$8400.00} Sales Tax : {$670.00} Title : {$100.00} Admin Fee : {$340.00} XXXX : {$590.00} ( never seen this on a contract and researched to no avail ) Total Balance : {$8700.00} From XX/XX/XXXX to XX/XX/XXXX I have paid : {$9600.00} in monthly payments. 

Dealership apr 24 % Finance Charge : {$3100.00} Dealer is gouging out the payoff. The last scheduled payoff on contract would be XX/XX/XXXX. 

I am being informed I still have a remainder of : {$2100.00} This doesnt add up as I would be paying {$11000.00} and the full term of the loan would be {$11000.00}. Paying the car off a year and 2 months early and only saving {$43.00}. It is my belief that this car dealer should be investigated and observed for misconceptions of the contract.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have asked Transunion Credit to present evidence such as a contract signed by me on an account that appears in my credit report and to date they have ignored my request to dispute the account in multiple disputes. violated the law by acting incorrectly and ignoring my complaints. To this day they do not receive my disputes nor do they answer them. 

My claims or disputes to TransUnion credit report are as follows : You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. The federal fair credit law requires credit bureaus to report only 100 % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you don't comply, I would like to remove this account from my credit report as soon as possible. ACCOUNT : XXXXXXXX XXXX XXXX XXXX Since XX/XX/XXXX, I have requested several disputes regarding this account and to date, they have been violating my rights, they do not respond to my conflicts, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me. 

Company responded Status The company responded on XXXX  Response Type Closed with non-monetary relief The actions of Transunion credit reports are as follows : Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. 
DESCRIPTION OF NON-MONETARY RELIEF The actions of Transunion credit reports are as follows : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below are the results of that investigation. XXXX XXXX-VERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records.
Product: Money transfer, virtual currency, or money service

Paypal has placed a reserve hold on my account due to the fact that I have sold a few items that were on preorder. There were three items in total which are no longer on preorder and have been or are in the process of being shipped to the customer. I have been a long time PayPal user in excellent standing with hundreds of transactions that were made as a seller and all items have been processed, shipped and delivered to my customers. PayPal has chosen to flag my account without any merit and has held to date {$1600.00} of my money without releasing it to me. If you review my account, you will see that every transaction has been successfully delivered to all of my customers and that there hasn't been any chargebacks etc. There is no reason for PayPal to hold my funds despite their claims that they are doing this out of caution. They has caused harm to my business by freezing my hard earned funds in which I need to pay off my creditors for supply that was sold. I have contacted everyone up to the executive office and PayPal just refuses to help me and resolve this matter by releasing my funds. Again, I have never had any issues with any of my transactions that would have even warrant such a hold, and now that everything is said and done, I can no longer operate as a PayPal merchant due this practice and all I want at this time is what is owed to me. PayPal has been holding my money hostage. They may claim that they are in the right for doing this, however this is completely without any merit. They continue to hold funds for all of my items, those that were even originally preorder items, and as a result I had to spend additional money in shipping costs, funds out of my pocket for issuing refunds and having to issue additional money from my pocket to pay off creditors in which the funds being held by PayPal are owed to me. No bank or any other company does this, especially without a valid reason that would warrant this action. Again, my transaction history with PayPal as a long standing user for over a decade speaks for itself. Never had a chargeback, never have not shipped an item to a customer, never had not communicated with my customers. Also with transactions linked to XXXX sales, I have 100 % positive feedback on my account as well. I am an exemplary PayPal user yet, they refuse to release this warrantless hold and after all efforts in trying to speak with them, they have not been forthcoming in any attempts or helping me resolve this issue.
Product: Checking or savings account

My twin sister stolen my identity..during the months of XXXX she took my social security benefits and my stimulus money the police report number is XXXX apparently boa doesn't cover family fraud XXXXi didn't know that street I signed up ten years prior
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX XXXX  XXXX that someone used my credit information Fraudulently on the date of XX/XX/2020 thereby causing an Inquiry on my Experian and XXXX XXXX XXXX XXXX / Report that was not in any way Authorized., I did attempt to call both Experian and XXXX XXXX Credit Bureaus on the Day of NXX/XX/2020 and talk XXXX one of their associates, but was remanded on hold for hours on end., This Specific Inquiry is that of XXXX XXXX on the date of XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting to my credit hurting my score when Im fact they have no right to insert or report to my credit file whatsoever.

XXXX is also reporting to my credit report about account that does not have my signs or contract you furnish on my credit report
Product: Credit reporting or other personal consumer reports

A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, distribution, and use of consumer credit information are not followed. The FCRA mandates that consumer reporting agencies ( CRAs ) use reasonable procedures to ensure the accuracy of all information in credit reports. If a consumer experiences harm due to an FCRA violation, they may have the right to file a lawsuit against the CRA, seeking compensation for actual damages, statutory damages, and attorneys fees. The accounts listed in my letter are inaccurate, and I am requesting a thorough investigation into these errors.