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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate reporting of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report by XXXX and Equifax XXXX This account is reporting several errors, including an incorrect open date, date last active, and date of last payment. Additionally, erroneous payment information is being reported, specifically 120 days late consecutively for XXXX XXXX XXXX XXXX XXXX This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as such payment reporting is not permissible. 

Furthermore, during the COVID-19 pandemic, my payments were deferred, and I was protected under the CARES Act. Reporting missed payments during this period is inaccurate and harmful. Notably, XXXX has already deleted this account due to its inaccuracies. 

I demand the immediate deletion of this account from my credit report. If this account is not removed within 30 days, I will proceed with litigation against XXXX and Equifax for their noncompliance with federal law. I have attached all supporting documentation for this loan, including evidence of the account 's inconsistent and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I was late in XXXX and XXXX, XXXX on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) I reached out the XXXX and talked to a representative and I was advised that all late payments had been brought forward and no penalties had been applied. These accounts are in forbearance and should not be reporting any lates. I have also contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the lates reporting. This is not true. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX XXXX XXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : 5 USC 552a- The Privacy Act of 1974 : XXXX XXXX XXXX XXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

5 USC 552b- The Government in the XXXX XXXX : XXXX XXXX XXXX XXXX actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX XXXX XXXX lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : XXXX XXXX XXXX XXXX XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX XXXX XXXX data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my TransUnion credit report, and I noticed a lot of my personal information is still not accurately represented on the credit report and I am in fear of my identity being compromised. I have previously brought this concern of personal identifiable information inaccuracies to your company in XX/XX/2022 ( US CERTIFIED MAIL Receipt # XXXX XXXX XXXX XXXX XXXX ). 

TransUnion has a lawful responsibility to follow all provisions within the Fair Credit Reporting Act ( FCRA ). Not reporting the correct personal identifiable information is a clear violation of provision 15 USC 1681 ( a ) ( 4 ).

I am writing to you to ensure TransUnion update my personal information immediately or I will exercise my right seek lawful remedies for correction of inaccuracies on my consumer report up to {$1000.00} per violation for TransUnions negligence to comply with duties imposed by the FCRA willful noncompliance. 

Be advised, it is my complete understanding that 15 USC 1681 ( a ) ( 4 ) is a provision within the Fair Credit Reporting Act ( FCRA ), which sets out the permissible purposes for which consumer credit information may be obtained and used by authorized parties. While the FCRA allows for the sharing of consumer credit information for certain purposes, it also includes provisions to protect consumer privacy and ensure that the information is accurate and up to date.

The right to privacy under 15 USC 1681 ( a ) ( 4 ) means that consumers have the right to control the use of their credit information and to know who has access to it. The FCRA requires that consumer credit information may only be accessed and used for specified purposes, such as for reviewing or collecting an account, for employment purposes, or with the consumer 's consent.

Additionally, the FCRA requires that consumer credit information be accurate and up-to-date and gives consumers the right to dispute inaccurate information and have it corrected. The law also requires that consumer reporting agencies take reasonable measures to ensure the security and confidentiality of consumer credit information.

In summary, the 15 USC 1681 ( a ) ( 4 ) right to privacy provides consumers with the ability to control how their credit information is used, and ensures that this information is accurate, up-to-date, and protected from unauthorized access or disclosure. 

There is lawful a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

30DAY EXPIRED XXXX complaint for lieing now that they need my Identification when I sen 8 times to XXXX XXXX XXXX XXXX GA XXXX. Thats an excuse to leave all these 50 inquiry that are not mine they are putting me in a hardship situation where I cant even buy a car to get to work I'm a XXXX because not one XXXX will even consider this is against the LAW its past the 30 DAYS stop making excuses take this 50 inquiry or more OFFFFFF
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$1900.00} on XX/XX/2021 to XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX to move out of my rental early, the buy out lease agreement said I can leave anytime on or Before the new date of XX/XX/2021 I moved XX/XX/XXXX, I also have public housing and the apartments were still paid XXXX and XXXX rent. The apartment complex reported to National Credit System a improper move out fee of {$1700.00} which is now on my credit. The total on my credit is {$1900.00} which {$160.00} I do agree I owe for carpet cleaning but not until that faulty charge is off my credit {$1900.00} to move out early on top of they still collected rent for XXXX rent from housing they are trying to con me for more money thinking I wont dispute this
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX, original creditor XXXX XXXX XXXX. ( Please see page attached from my credit report. ) The opening date of this account is not in XX/XX/2019. In fact, this account is over 7 years old and was opened fraudulently from an ex-girlfriend who forged my signature. I filed a fraud affidavit and this account had previously been removed. I never gave permission or authorized anyone to open this account. This account has also been sold and re-aged and should not be reporting at all. This is a violation of the Fair Credit Reporting Act and is mandated that this line item be removed from my credit report. This false reporting of a collection/chargeoff, that is not mine, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

A foreclosure was started in the court system on my home XX/XX/XXXX and the other party dismissed XX/XX/XXXX without prejudice and the servicing was sold to Ocwen from Litton, Ocwen started the modification nightmare with me and finally realized it was way too long of time that had lapsed so here we are over XXXX years later and they called my work and left message for me to call them. I called them back they are telling me they want to work out a resolution with me that lien is pending and that I might not necessarily have to pay the full outstanding balance that I could try for a settlement which would be subject to approval? Are you kidding me after all this time, is this a joke. 
Thank you
Product: Credit card or prepaid card

I spoke with Commenity Bank  in regards to multiple accounts I have with them ; Victorias Secret, Wayfair, XXXX, and XXXX XXXX. They demanded I pay them a sum of {$120.00} in XXXX to put myself into a payment plan for my cards because COVID impacted my income. I got the funds together snd made a payment to them to prevent them from filing legal action against me by their attorneys as they threatened they would do if I didnt send them the money by the end of the day. 
I called back in to submit an over the phone payment of {$120.00} and set myself up in a payment plan for my cards ( before the end of that same day ). Three cards draft out ( Victorias Secret, Wayfair, & XXXX XXXX ) on the same day every month, the XXXX, for {$15.00} EACH. The XXXX card is {$10.00} and comes out later in the month. I had to stay current and make sure the funds were in my chase debit account in order to ensure the auto-Draft was good and the funds were available. I did this and have been doing this since the first set of three payments were taken out XX/XX/XXXX. HOWEVER, Comenity bank has since marked my credit report as having NOT made my payment for 120 days on my Victorias Secret card, marking my credit report with multiple Major Derogatory claims. I pulled up my bank account that I monitor AND their past payment information section on my account snd noted that every payment they deem I did NOT PAY, was drafted OUT OF MY ACCOUNT and I have never been hit with over draft fees. 

They have not fixed this matter and have not updated my account with them to reflect XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX have been paid ON TIME and have not deducted the amounts out of my account balance!!!! They also have now removed me from the payment plan for this card and want to charge me {$35.00} in auto draft. I am furious. This has dropped my credit score SUBSTANTIALLY as I am trying my best to repair and pay off debt that COVID caused me to accrue as I lost thousands of dollars of income due to the pandemic and one entire job. 

They are FRAUDULENT and THREATEN their customers with severe legal action against them if they dont cough up money- REGARDLESS of the reasons being loss of wages and income due to a global pandemic. This is crippling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX XXXXnd Transunion are reporting incorrectly a collection/chargeoff in amount of {$7100.00} as well as reporting a past due balance of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due and be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I  have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report information to the credit bureaus that is not mine. The information on the reports belongs to a person named XXXX XXXX XXXX, and I am XXXX XXXX. This is not my account. I have written to this company and called as well. I have not received any correspondence to validate/verify this debt is mine. I feel this is my last step.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX  XXXX XX/XX/21 I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted TransUnion, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXXXXXX XXXX XXXX  ; I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found three ( 3 ) unauthorized hard inquiries on my Equifax credit report. Called them direct and their representative asked numerous questions concerning my identity. After about 30 minutes, she wanted to know my problem, Told her I wanted these inquiries taken off my report because I never authorized these companies to check my credit. She told me she couldn't help me on the phone and didn't give me a reason why! Told me to call the companies direct. To sum it up, " can't dispute hard inquiries '' Found three ( 3 ) different unauthorized hard inquiries on my XXXX  credit report also. I called, and they  gave me the same run around. I'm to the point afraid to call XXXX, where I don't know want I'll encounter!
Product: Debt collection

I was unable to find the selection I need as this is in reference to a Text message. It is my understanding that Debt Collector 's must include a way to opt out of texts when they message you, however, there was nothing listed in the message. They already call me many many times a week, i do not wish to receive texts from them as well. I have attached a copy of the text for reference.
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 but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX, # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly.

15 U.S.C 1611. States youre supposed to be notified of all signing information.

15 U.S.C 1605. States a finance charge is supposed to be a sum of all charges.
Product: Vehicle loan or lease

Uniform Commercial Code/UCC governs all business transactions, so Burns Auto Credit LLC legally must have UCC lien filed with secretary of state against my name. Without seeing that there is no UCC lien in my name, its proof the the debt has been paid off at time I put signature on the certificate of indebtedness at the dealership. I do not owe them anything, don't know why the continue to report transaction to consumer reporting agencies, There is no transaction listed with Secretary of State and i have attached copy to prove such. The contract must be LAWFUL & FAIR but it was not. Because that why the lien was never file with secretary of state. There was never any debt in the beginning - because the debt was already paid off.

Burns Auto Credit LLC issuing legal threats of repossession. Failing to understand, that for any debt collector to legally collect a debt. It must be XXXX legal components. a promissory or agreement and perfected lien under UCC filed on federal & state level with secretary of state. Burns Auto Credit had XXXX  days to file lien, just as long for them and Department Motor Vehicle/DMV to commit unlawful act and misleading me. And, as of XX/XX/2023. I went to secretary of state and did and ucc search. And there was no UCC lien filing against me or collateral in question at my address & i received a certified copy indicating there was no lien. In good faith on the same day XX/XX/2023, I file my own lien/finance statement ucc 11 against myself and the collateral. Which show Burns Auto Credit LLC has no security interest against myself or said collateral, just having the lien against the title at DMV is NOT a perfected line according to : 9-310. WHEN FILING REQUIRED TO PERFECT SECURITY INTEREST ( a ) ( a ) [ General rule : perfection by filing. ] Except as otherwise provided in subsection ( b ) and Section 9-312 ( b ), a financing statement must be filed to perfect all security interests and agricultural liens.

2nd ) installment contract has already been paid off in FULL at time I sign the application/installment contract and turn it into certificate of indebtedness. And according to certificate of indebtedness Section 2 c Security Interest - its states that section This secures payment of all you owe on this contract also secures your other agreements in this contract. So, I cant still owe any monies to Burns Auto Credit LLC after i gave them certificate of indebtedness with my signature, 3 ) i send notification to IRS with 1099A Acquisition or Abandonment of Secured Property. And it was accepted by IRS on XX/XX/XXXX and its has been forwarded to Burns Auto Credit LLC.

4 ) I cross out and initial Section 3 ( d ) of the installment contract. Which I remove their right to take or repossession from me. Plus, they already been paid in FULL per the certificate of indebtedness that i've sign with them and 1099A form
Product: Debt collection

Ive asked numerous times for them to furnish proof of this debt all they are sending me as a statement a statement means nothing anyone can open an account and charge on it which would create a statement I need to know how the account was opened where the account was opened if I opened online I need the IP address of how the account was opened I need physical proof that this account is mine Ive tried to settle this account numerous times it is a six-year-old account that they purchase from XXXX XXXX they are refusing to settle the account for anything less than half Ive offered {$50.00} to get it off my credit report if this situation is not removed from my credit report I will be left with no other option but to seek legal counsel
Product: Credit reporting or other personal consumer reports

Factual data is now stating that my XXXX report is still showing a block or alert, that I have no XXXX XXXX and no accounts. XXXX says this is untrue and for factual data to call their business line. Factual data said theyll only talk to their contact they have there even though that contact was clearly wrong and unhelpful. Theyre costing me a house. My XXXX score is over XXXX.