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

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I was charge over XXXX dollars in fees for low funds or no funds. It was sent to a collections agency and showing a negative impact in my credit.
Product: Credit reporting or other personal consumer reports

I am reaching out to bring attention to a critical issue with my credit report. It contains mixed information, including accounts, transactions, and items that do not belong to me. This has been an ongoing problem, and despite my efforts to address it, these inaccuracies remain. The presence of this incorrect information is deeply troubling and has caused me significant stress and anxiety, as it directly impacts my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, This my final warning that have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX XXXX Equifax XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Product: Student loan

XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Nelnet XXXX XXXX XXXX XXXX, NE XXXX To Whom It May Concern : I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report : DEPT OF ED/NELNET account # XXXX XXXXXXXX, # XXXX  XXXX, # XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX Nelnet is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Debt collection

My original complaint regarding dead air calls Case Number XXXX went unanswered by XXXX Associates. I am filling a new complaint as I am again receiving repeated dead air calls. 
XXXX Associates XXXX XXXX XXXX XXXX, FL XXXX acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, XXXX XXXX Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus XXXX Associates were required by the FDCPA to cease collections. I am again receiving harassing illegal dead air calls from their phone number XXXX to my cell XXXX. 
Just a few of the recent calls : XXXX XXXX, 2015 XXXX XXXX XXXX, 2015 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Equifax. I have attached my most resent consumer credit report. I have disputed the account named XXXX XXXX XXXX  XXXX twice with Equifax. It has come back as verified. The fair credit report act 15 U.S code 1681 states that a consumer credit report must be accurate. There are two inaccuracies that I have noticed. First this is a charge off account that shows a BALANCE of {$100.00} dollars. A CHARGE OFF ACCOUNT MUST SHOW AS A ZERO BALANCE. Second inaccuracy is this account is not leaked to any address that I have used in the past. Delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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, credit repair services, or other personal consumer reports

Public record information inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, this creditor has violated my rights under 15USC1681 SEC 602 states I have the right to privacy.

15 USC 1681 SEC 604 A SEC 2 consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 166B, a creditor may not treat a payment late on an open credit card account. 

XX/XX/2019 late fees were attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

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

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


In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Product: Credit card or prepaid card

The issue is causing me significant XXXX and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit card or prepaid card

today, XX/XX/2022 I tried to activate my vanilla visa {$50.00} gift card given to me by my daughter for mothers day. I've tried and tried to reach them any and all ways available. such as XXXX numbers etc. once I actually spoke to someone whom I couldn't understand because of language barrier. she tried to sell me something - again I couldn't understand her but i did understand she wanted my banking account information which I quickly said NO. then she gave a phone number : XXXX which is a cable company!!!! 
this nonsense went on and on I went to the vanilla visa website VinillaGift.com and of course I found no luck there. so im contacting you. really all I want is to activate my gift card and enjoy the bounty. I've contacted visa directly and no help there. 

can you help thank you, XXXX XXXX XXXX
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. 

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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. 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. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX AV XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX  XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$21000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00}
Product: Checking or savings account

On XX/XX/XXXX, I was made aware that a fraudulent charge of {$920.00} was made at a store called XXXX XXXX in XXXX XXXX, NY. 

I reported this to Chase and they issued back my money. I also filed a police report regarding this incident. I was even able to obtain a reprint of the receipt and the name the person used to make the purchases. XXXX XXXX is at fault because no identification or verification was done at the time of purchase. 

Chase took back the money out of my account even those I made these complaints. I submitted my police report and receipt documentation and I still keep getting no information about this. Now I am out of over {$900.00} and I am very upset. I will be leaving Chase as a customer if I can't get my money back.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion Consumer Solutions for significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) reported on my credit history. These issues are a clear violation of the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my creditworthiness. 

Issues Identified : 1. Completely Blank Payment History : - TransUnions report shows a completely blank payment history for this account. This indicates unverifiable and incomplete data, violating 15 U.S.C. 1681e ( b ), which mandates accurate and complete reporting. 

- Other bureaus, XXXX and XXXX, have reported detailed ( though inconsistent ) payment histories for this account, further demonstrating the unreliability of TransUnions data. 

2. Confusing Comments : - The report from TransUnion states, " Account included in XXXX XXXX bankruptcy. '' - This contradicts the information provided by XXXX and XXXX. Furthermore, TransUnion has failed to provide supporting documentation to verify this statement. 

3. Inconsistent Dates : - TransUnion reports : Last payment : XX/XX/XXXX Last activity : XX/XX/XXXX - These dates do not match those provided by XXXX and XXXX, reflecting significant discrepancies between the bureaus. 

Laws Violated : 1. 15 U.S.C. 1681e ( b ) : TransUnion failed to ensure the accuracy and completeness of the reported data. 

2. 15 U.S.C. 1681i ( a ) : Unverifiable information has not been removed, as required by law. 

3. 15 U.S.C. 1681g : There is a lack of clear and complete disclosure regarding the details of this account, particularly related to payment history and bankruptcy information.
Product: Mortgage

TD Bank has taken me to court and charged me for the lawyers fees. I am being harassed because my home has been listed on XXXX as a foreclosure. I have been trying to work with TD Bank since my injury in 2009. They are completely uncooperative and do not have any interest in working with me. There sole intent is to foreclose on my house. There is no communication unless it is initiated by me. I have been making payments but they wo n't send me statements or even a break down of fees.. I have been asking to refinance but they wo n't even discuss the option or any other option. I am tired of getting phone calls from realtors and others that have seen our house listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not allowing consumers to access their own credit report. They are keeping it locked up unless you pay money, you can not even dispute, contact and agent, or anything. They do not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX to remove THESE ITEMS : 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 The items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,
Product: Mortgage

Stearns transferred my servicing rights to XXXX XXXX on XX/XX/XXXX. Subsequently, I made payments to XXXX XXXX and on XXXX XX/XX/XXXX, Stearns sent me a statement demanding payment from XX/XX/XXXX to XX/XX/XXXX. I had already made the mortgage payment to XXXX XXXX. I disputed this and they still counted this against my credit score as a 90  day late! Now, I can not refinance of my rental properties!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX 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 All of which has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section2 : 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

portfolio recovery associates sent me a letter in response to my dispute regarding the validity of this account XXXX, ALSO two other accounts they have on file with the acct # shown as XXXX, but they sent me a bill WHICH IS NOT VALIDATION AND ONLY VERIFICATION OF AN ACCOUNT, addressed to an address that I have never resided as highlighted on my city of XXXX police department report ( attached ). also attached is the FTC report, and my 2016 tax returns showing my address at the time this account was created please remove this account from my credit report and correct the record, as I have sent several request and followed the law in providing this ID theft packet, which was also sent via certified mail with a return acknowledgement of receipt on your part.
Product: Credit reporting or other personal consumer reports

my full employment history is not listed after I've reported it and also I reported some payments that I made to the XXXX  company the electrical company and the place I rent from they said they do not put those things on my report because I'm not authorized to do so then tell me who else is authorized I find this totally outrageous that that they can't verify what I'm sending to them by me giving them the account numbers and places where I made payments to
Product: Checking or savings account

On XX/XX/XXXX I deposited a refund check I received, tuition fees back from the college into my BOA account. I was attending XXXX. 
I waited the entire hold period of XXXX  days and the funds were technically available. I didnt even realize BOA had blocked my account access until about XXXX days since the deposit had passed, when I tried to login to my account after receiving an account closure letter. I called in and spoke to a representative named XXXX. Who informed me that the back office team had referred my account to be closed because I was at risk of fraud. She also said the remaining balance of {$4800.00} would be mailed to me by cashiers check and Id receive it within XXXX days. I then received another letter a week later stating that the funds in my account were being frozen and I needed to contact the client protection team. I contacted them immediately, I was then told the funds are being held harmless by the back office and would not receive them unless the drawee bank submitted a claim for the funds back and reissued the check. After filing a previous complaint with the CFPB and talking to a regulatory escalation representative I understand that they are allowed to close my account as permitted under the account disclosure agreement. I have no issue with the answer I was given, I understand that they legally have that right, by me agreeing to the account disclosure. My issue is that they transferred my money out of my account without authorization to do so and described the transaction as an ACCOUNT CLOSING TRANSACTION for the amount of {$4800.00}. Yet I havent received that money, neither has the drawee bank which Ive been in contact with and also isnt liable for any stop payment, nor has any claim arisen from the deposit to begin with. Hold harmless is an agreement, in which both financial institutions sign normally releasing the depository financial institutions liability of those funds the agreement is about. The responsibility under the XXXX to identify a counterfeit check belongs to the drawee bank, not the depository bank. I have requested a complete source of receipt or an Original Image Replacement Document and have not received either one.
Product: Debt collection

XXXX called me on a recorded phone call telling me that they have SOLD my information to XXXXXXXX XXXX XXXX  She stated that XXXX  XXXX XXXX has been sold. I did not give XXXX permission to sell my information. The XXXX went out on me on a bridge and they knew. I was told by the lady at XXXX if i wanted my information I would have to buy it back from persovle legal which I found rude as well as her attitude. All Im asking is that they settle this mess with persolve legal. I just this collection gone off my credit not in a negative way