23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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 XXXXXXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX ( collection Agency ) I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

I am writing to formally request the removal of XXXX inaccurate accounts from my credit report, which have been detrimental to my financial standing. After conducting a thorough review, I believe these accounts may be the result of identity theft. I have attached a signed affidavit from the IRS confirming that my identity has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is currently violating the CFPB laws when it comes to my credit reporting. They added accounts to my credit profile that dont belong to me but not only that these are charged off accounts showing a balance and still reporting late payments. I have XXXX disputing these accounts and challenging them for over a year and transunion continues to verify these accounts. Im not sure how these accounts are still on my credit report with all the violations being committed. The accounts are ; XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My new  XXXX   XXXX  vehicle became stranded in  XXXX , Florida on Saturday,  XXXX   XXXX ,  2017 . My lease supposedly includes full roadside assistance. When I called roadside assistance I was advised that because my car was physically  off of the road there  would be a {$99.00} charge payable up front  to Mercedes Benz in o rder for them to call a tow/winch service.     I made full payment of {$99.00} by  MasterCard with Co nfirmation Number  XXXX .   
Mercedes Benz called a tow/winch truck after payment. Upon arrival at my vehicle, I was advised that I had to pay an additional {$100.00} in cash plus a significant tip as there was no record of any payment to Mercedes Benz transmitted to the tow/winch service. If I had not had the additional {$100.00} IN CASH, I would still be stranded. The tow/winch service would not accept a credit card payment despite Mercedes Benz assurances that the entire fee was pre-paid as a result of their charge.
Mercedes Benz also gave incorrect and inaccurate information regarding the issue at hand and the remedy needed.
I was more than double charged for an item that should have been included in my regular service. In addition to the {$99.00} charged by Mercedes Benz, the company Mercedes Benz called to actually render the service made me pay a second time in the amount of {$100.00} plus a substantial tip to the driver of the service vehicle to stay and resolve my problem since Mercedes Benz had given wrong information to the service provider hired by Mercedes Benz.
Mercedes Benz knowingly and intentionally obtained funds by credit card by means o  f deceit and fraud in violation of the federal UDAAP statute and the Florida statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter to the credit bureau stating that these accounts are false and aren't mine and to please " investigate '' every piece of information on the accounts that I have listed. Also, I have attached the letter that I sent out most recently. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or livelihood is obtained through personal interviews with neighbors, friends, associates of the consumer reported on or with others whom he is acquainted or who have knowledge concerning any such items of information. I need a proper investigation completed along with every piece of information reported 100 % accurate pursuant to FRCA 15 USC 1681.

They violated my consumer rights numerous times according to 15 USC 1681.

According to 15 USC 1681 section 602 A states I have the right to privacy.

According to 15 USC 1681 Section 604A Section 2 it states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate Please delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

My credit report had a data breaches. I am seeking compensation for the breach of my data.Expirian. I bought an extra house and a truck I never saw. They allowed these purchases to someone else and say no to mine. Years of bad predatory loans.
Product: Debt collection

I received a debit letter and have disputed it. They claim I have a credit card debt from years ago but when I ask them for proof of what that debit is, they fail to send me documentation on what the debt encompasses. I ask them to tell me what the amount is for and they only say it is a credit card debt, they do not provide me any other details. Based on the lack of information they provide me, I refuse to assume responsibility for a debt that is not mine. They are continuously lowering my credit score unjustifiably. They are using my credit score as leverage for me to pay a debt that I do not know what it is about. I sent a copy of the certified letter below requesting information and asking them to remove this from my credit history. It has been over a month and they have not responded yet they continue to damage my credit history.
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute an inquiry on my credit report that I did not authorize. This inquiry was made without my consent, and it has no permissible purpose under the law.
Product: Credit card or prepaid card

Capital One has mailed out a letter stating that XXXX released information about my account/transaction to them when no permission was asked. For the record, I would have not minded being on the call and giving my permission. No permission was asked!!! Based on my recent call with executive offices I believe that the letter was generated solely to deny my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, On XX/XX/2020 I checked my account balance online with Chase. At the time my balance was XXXX ... I went ahead and did a XXXX transfer from my XXXX account in the amount of XXXX for a check that was written but had not been cashed. When I updated and the transfer was complete there was over XXXX dollars in the account. I check my balance today it seems as if they backed out charges including my XXXX and updated charges and put them in a different order and it caused for me to have three separate NSF fees which I should not have had. I have alerts set up for when my account has a low balance via text and email. I never received it because my account was not below the threshold. I need my money to be placed back on my account during times like this banks should not be using their systems to steal money from their customers.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Prepaid card

I received a cash app from an unknown person and I tried sending the money back to them but cash app took it and applied it to my loan balance and never resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report. I believe that someone has stolen my identity and applied for something in my name. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I experienced financial difficulty and received foreclosure notice on property. In XX/XX/XXXX, I was contacted by Litton Loan Servicing saying that the propery was now " charged off '' and that I would need to settle the balance. I sent them {$7000.00} to settle. I continued to contact them and eventually received a message that they were now Ocwen Loan. I informed Ocwen of the settlement and they said they were not aware of anything. I continued to call Ocwen multiple times to research the incident. They would not. Finally, I negotiated with Ocwen another pay off for the same house that was foreclosed on, short saled, etc. They agreed to show paid in full ( see attaced ). They are still misreporting at all XXXX bureaus despite multiple attempts. This is causing me after 8 years to still cost extra money with interest rates and failure to purchase a home.
Product: Mortgage

This mortgage was aggressively marketed to us by Washington Mutual Bank in 2007. Over the past several years I have discussed this matter with them and many individuals, inside the former Washington Mutual and, now Chase, Bank 's. I have spent many many hours learning about the situation. I have had many real-estate and legal processionals look at the situation as well. 
I reluctantly, negotiated a loan modification with Chase bank. This modification resulted in XXXX separate mortgages. A " new principle balance '' of {$380000.00} and a " deferred principle balance '' of {$170000.00}. Language in the modification very specifically states that " provided I am not in default under the terms of this agreement and I pay my Note in full ( XXXX ) any time more than 30 calendar days after the modification Effective Date, and ( XXXX ) PRIOR TO THE APPLICATION OF THE ENTIRE DIFFERED PRINCIPAL REDUCTION AMOUNT, I SHALL BE FULLY VESTED IN AND ENTITLED TO THE UNAPPLIED AMOUNT OF THE DEFERRED PRINCIPAL REDUCTION AMOUNT AND THE UNAPPLIED AMOUNT SHALL BE DEDUCTED FROM MY PAY OFF BALANCE. This can be found on page XXXX of the attached document, the last paragraph on the page. Some XXXX wanted to buy the home and the Bank has refused to comply with this part of the agreement signed by the bank and myself. I have retained an attorney and will be pursuing legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Our firm XXXX XXXX XXXX, XXXX has no less than ( XXXX ) files open here with the CFPB on Bank of America and XXXX. 

Now Bank of America has decided to close our account and believe this is nothing more than XXXX for us filing these claims with the CFPB. 

They are using a lame excuses of XXXX XXXX XXXX XXXX. There decision was based on false information providing by these XXXX companies who have violated my consumer rights ( 5 USC 552A ), 15 U.S. Code 1681c2, 15 USC 6802, The violations of these laws come with a penalty of no less than up to {$1000.00} each.

Our holding company. have been with BOA for over two decades in some form or fashion. And for them to treat us in this matter is down right ridiculous. 

They also closed our claims with XXXX without giving us a chance to response. 

As we told them BOA on NUMEROUS occasions ( XXXX ) our dispute is NOT weather the charges are valid, our dispute is WE DID NOT RECEIVE THE PRODUCT OR SERVICES we paid for! 

We have attached XXXX response. Now since XXXX is an XXXX company we can not file claim against them here in the XXXX. 

We followed their policy to the letter. They decided not to respond to ANY of our emails. Since they would not give us any resolution, we came to what we thought was our banking partner. 

But they decide to retaliate against us while there are XXXX open claims here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FOUND 7 DATA BREACHES ON MY ACCOUNT!!! 
HOW DOES THIS HAPPEN? 
HOW DO I PROTECT MYSELF? 
Should I freeze everything for eternity?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Equifax was sent by way of certified mail of inaccuracies reporting on credit file that do not lawful written consent per 15 USC 68202. Also proof of opt-out/privacy so Equifax, XXXX, XXXX, XXXX XXXX to not share, sell my information since XX/XX/XXXX. 

On XX/XX/XXXX XXXX was sent another Certified letter requesting full re-investigation of disputed accounts and inquires that are allowing companies/third parties to report improperly and unlawfully. Per FCRA 623 ( a ) ( 2 ) ( B ) ( 7 ) ( G ) ( i ). 

I have spoke with Equifax 2 agents on XX/XX/XXXX, needless to say they are adamant about not complying with correcting, updating or removing inaccurate consumer personal information and non consumer accounts. One agent was dismissive and arguementive. 

Not only has Equifax violated my consumer rights per the FCRA, FDCPA, FTC, Equifax has reported to file on behalf of their affiliates and add unauthorized information, verified debt with true original documentation validity of any/all debt belonging to XXXX XXXX XXXX 

This has caused great hardship, stress and suffering. Companies and Equifax are in violation of : FERPA of 1974, FCRA section 604 ( a ) ( 3 ), FCRA section 619 permissible, FTC 623 ( a ) ( 5 ) ,805, 806,809,15 U.S. Code 1681s2, 15 USC 6801-Opt out, 15 USC 6802 may not, 15USC 6802 financial institution may not directly or through affiliate, disclose to a nonaffiliate /3rd party any non public information. 15 USC 6803/6804, 16 CFR 433.32, 16 CFR 313.1, 15 USC 6801- ILLEGAL TO REPORT TRANSACTION HISTORY/UTIALZATION WITHOUT CONSUMER WRITTEN CONSENT., 15 USC 1692/ ( g ), 15 USC 1692 ( e ) ( k ) -civil liability damage 16 USC 1681 {$1000.00} per violation.15 USC 16911-authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please verify that all information is 100 percent accurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below is the account in question : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$10000.00}
Product: Debt collection

WESTLAKE PORTFOLIO MANAGEMENT is making false reports on my consumer report making false payments reports thats causing hardships due to a delinquent account they claim I owe. I have receive letters thru UNITED STATE POSTAL SERVICE being mail to my place I abide at. These letters state they will take property that belongs to the consumer of the account. I have no legal bind with WESTLAKE PORTFOLIO MANAGEMENT. I ask for validation to verify they fail to respond within 30 days. Account isnt mines.

Many laws was broken under the Fair Credit Reporting Act 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently EXPERIAN XXXX AND XXXX sites reports are all different with specific information. ON EXPERIAN {$75000.00} in XXXX LOANS are on the consumer report but when their actually calculated they sum up to {$67000.00} a closed account is being added to my loans on the EXPERIAN SITE. During the pandemic all XXXX loans have been in deferment so they should not have interest added, so what is being calculated? Then the loans do not show the same as all other loans across the board. MEANING XXXX shows a total of {$7400.00} in XXXX  LOANS and XXXX shows {$72.00}, XXXX, while EXPERIAN presents me having 8 accounts on my credit and XXXX shows 17 accounts open and closed XXXX 11 accounts on my record. AGAIN, my question is why are ALL 3 CREDIT agencies REPORTING different amounts?!! The annual credit report pulled on XXXX shows that an account was charged off for ACCOUNT NUMBER XXXX at {$1100.00}, yet on the EXPERIAN site I can not find an amount reporting but {$8.00} on the site not in the annual report. XXXX reported a charge off at {$1000.00}. XXXX shows {$1000.00} was charged off. This Company XXXX provides the actual card number in the credit report which is a violation of my Consumer Protection Rights. XXXX IS ALSO A CHARGE OFF!! This should not be reporting. Transaction history of all accounts is also being reported all of this is a violation of my privacy. According to 15 USC 1692 ( a ) this shows excessive and abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices. Any CHARGE OFF is considered income which can not be reported on the credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer :
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XXXXXXXX XXXX XXXX I reported a card account that had been opened that I did not open. They said they would take care of it. They never did. I called back almost monthly for XXXX months trying to get them to cancel or close the account and remove my information. I did a police report and an identity theft report with federal trade commission. This card wasnt even linked to my XXXX account but it was an XXXX credit card which made even less sense. They wrote it as a charge off implying it was my account. But I dont even have the card and they wont give additional information on shipping addresses to file a more proper report. They refuse to send any documents to me at my actual address. I have XXXX knowledge of this account other than it is on my credit report.