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

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had email to XXXX The 6 or more accounts are affecting my score and they are not update my accounts. Most of the accounts are closed more than 6 months to 1 year but they shows pending in my report. I also mail to central bank to proper update my loan closure data but there is no reply against my mail. Also mail to XXXX against this issue but not revert. Please request you to update all my accounts asap. These credit bureau can damage my all cibil score.
Product: Credit reporting or other personal consumer reports

I currently have a Fraud Alert on my Experian credit file due to identity theft. I continue to experience identify theft events. It is time for me to extend my Fraud Alert through Experian. 

Experian 's website does not recognize my password. I try to reset my password with the Experian site claiming it will send me a reset link after I enter sensitive info to verify who I am. Never happens, tried 3 or 4 times. Also tried call me option, still nothing.

Then tried to use Experian 's contact us number for Fraud. It is an automated help system that literally refuses to let me speak to a human. The options it presents does not help me get back into my account or extend the Fraud Alert.

It is my right to extend this Fraud Alert to protect my identify but Experian does not allow me to do this. Please help facilitate a channel with Experian so I can get access to my credit account again and extend the Fraud Alert. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with Experian because I sent the agency a request to VALIDATE accounts listed in my credit file and have the reporting companies UPDATE history on my report and statuses. Experian sent me back a report notatated that the account has been VERIFIED but not VALIDATED. I requested the name and contact number of who VALIDATED this debt and it was not provided. It has been 30 days and nothing has been furnished to me except an updated report and that they verified. The history on these accounts do not reflect my actual payment history and nothing has been provided showing they attempted to obtain information to correct this. My request was not fulfilled within the 30 day time frame and this company did not VALIDATE any of the debts that they continue to report negatively. 
XXXX XXXX XXXX/XXXX XXXX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 accounts total I furthermore know that these accounts were not verified or validated because Experian updated a closed paid in full never paid late XXXX XXXX account from 2014 as included in bankruptcy and this account was closed years prior to bankruptcy. I contacted XXXX XXXXXXXX and they affirm they never reported this as included in bankruptcy because there was no balance in this account and it was closed in good standing experian needs to update this account back to the correct standing. 

I also did not request that any remarks be added to my account and they have done so. 

The reporting in not fair and i feel if you are a credit reporting agency you should be reporting the most accurate information on the consumers because this affects my livelihood.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2019 I applied for a personal loan from One Main Financial. I was approved for the loan but was told I could not receive the money unless I purchased pet insurance. So I had to purchase the pet insurance then I was given the loan. I was also told that my interest rate was going to be 19 % and I would be able to pay off my loan earlier if I was able to. After I signed the documents they changed my interest rate from 19 % to 24.75 %. I called One Main financial XXXX yrs later to payoff my loan and I was told that I have to pay 2 more years of interest first before they would give me a payoff amount. So it took 4 years and 6 months to payoff my loan.
Product: Credit reporting or other personal consumer reports

I sent in a letter with a copy of a bill and ID to show who I was. I requested to have my security freeze lifted for a few weeks. I mailed this priority on XX/XX/24 and it was picked up by you on XX/XX/24. Please remove this freeze until XX/XX/24.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES WITH GETTING MY COMPLIANT SUBMITTED TO XXXX XXXX FOR AN ACCOUNT THAT DOES NOT BELONG TO ME.
Product: Checking or savings account

Hi I have account with paypal, also I have XXXX usd in my account And in previous XX/XX/2020 They limited my account and take all money and sent me message that I can withdraw after 180 days, but nothing happened till now and they don't responds to email Also my balance became XXXX Only have this message in my account {$10000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 


Can u help me to get my money My email : XXXX XXXX
Product: Credit card or prepaid card

I was diagnosed with XXXX in XX/XX/2021. I was very ill for two months and was not able to work during that time. I reported my illness to TD Bank but did not receive a response back. TD Bank reported a late payment of my Target credit card bill but I could not pay the bill due to my XXXX  diagnoses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. XXXX XXXX, XXXX  XXXX XXXX, Capital One.
Product: Money transfer, virtual currency, or money service

I filed a dispute for goods/ services and at the end of the process paypal indicated that the dispute was not eligible for the protection. 
On XX/XX/2020 I filed a dispute XXXX. The charge indicated that it was eligible for paypal protection. This was a charge I paid for goods and services and not a personal payment to family/ friends.The process was initiated and information was requested on both sides. A claim had been escalated. On XX/XX/2020 paypal then indicated that the charge in question was not eligible for paypal protection. I take issue with paypal having me, having the merchant and having paypal going through the motions of what appeared to be a process that qualified for paypal protection only to notify me at the end of all of all of that tremendous effort by all parties that the charge actually did not qualify for the protection. If the charge didn't qualify then why not just tell me right off the bat that it isn't eligible? It looks like the charge in question was made to family/ friends category. Why take three days and gather information from both parties if that wasn't even the case to begin with? I wouldn't of even bothered wasting my time because I know the difference between what I can and can't do with a personal payment versus a payment for goods and services.It doesn't make any sense and I believe there is a criminal element of deception and falsely putting this into a category that it shouldn't be in. 
Account ID : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have notice that XXXX is reporting inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a XXXX dealership on XX/XX/2020 to apply for financing a vehicle. I was told that I will only be applying for the in house financing XXXX offered at the time. I did not agree to getting my information pulled by these institutions. Heres the hard inquiries and their respective dates : XXXX XXXX XX/XX/2020 - XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXXXXXX XXXX XXXXXX/XX/2020 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 - XXXX XXXX XX/XX/2020 - Equifax XXXX XXXX XX/XX/2020 - Equifax XXXX XXXX XX/XX/2020 - Equifax Im seeking the resolution to have these inquiries deleted from my credit reports.
Product: Vehicle loan or lease

I paid my loan to Mercedes Benz Financial Services as agreed. After making the final payment I discovered that the lender had lost the vehicle title. All they are willing to do is send me a paid in full letter. I think that the lender is responsible for the safe keeping of the collateral ( vehicle title ) and that they should be required to obtain a duplicate title. I am trying to sell the vehicle but am unable to do so without a title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. 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 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 mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

XXXX is being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not giving the option to opt-out from consumer report sharing. An identity theft report was filed thru the FTC. The identity report number is FTC Report Number : XXXX The companies are listed below : 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
Product: Debt collection

In XXXX 2013 I received letter from Oxygen Recovery Group demanding {$7300.00} ( attachment XXXX ) Of course I requested any documents concerning this demand. 
They mailed to me papers with cover letter ( att. XXXX ) :1. Statement of Deposit with my name but without any signatures ( att. XXXX ) 2. Letter that some XXXX XXXX intend to vacate apartment XXXX and authorizes XXXX XXXX to hold security deposit (????? ) ( att. XXXX ) 3. Lease Renewal Application with my name on it but with unknown to me address as well as unknown phone numbers. With name some XXXX XXXX as cousin. 
With no other information filled in. 
In addition this document signed by somebody but the signature even does not look like mine. ( att. XXXX ) That was entire package of documents. Without any real information but my name. 
I informed the Oxygen Recovery Group by fax that it is fraud based on my identity theft ( att. XXXX ) They answered me and requested " proof that this is not me " ( att. XXXX ) I have an idea how to prove that me is me but I have no clue how to prove that anybody else is not me. 
Recently I learned that Oxygen Recovery Group put this money for collection to my account. 
As I am sure it is situation of conspiracy based on my identity theft for exaction. 
Of course I filed compliant with the Federal Trade Commission as well as with Credit Bureau. 
Now I look for an attorney to file Legal Case of exaction.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which may violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In a previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) I indicated that Equifax is reporting an account with : XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX As a consumer I requested that Equifax investigate and re-investigate this account as I have know knowledge of it. As you know, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

Recently, Equifax sent my dispute results and indicated that " the disputed item is currently not reporting on my Equifax Credit File ( see attachment : Equifax-Dispute Result XXXX XXXX XXXXXXXX ). However on my most recent Credit Report dated XXXX, XXXX XXXX XXXX ( CLOSED ) XXXX # # is showing on my credit report ( see attachment : EquifaxXXXXXXXX XXXX XXXX  ). Equifax has neglected to investigate this dispute properly, and is in violation according to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my account 30 days late for XX/XX/XXXX to both XXXX and Equifax. My payment was due X/XX/2017 and my account was paid on X/XX/2017, which is NOT 30 days late. X/XX/2017 is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle inXX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of these bankruptcies ( below ) on my Equifax credit report due to their failure to provide me with verifiable proof required for their company to post the accounts. Listed below is evidence that it does not exist and therefore is proof that they can not properly verify the accuracy of any of the disputed account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., Equifax has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information on XX/XX/2018 and XX/XX/2018. I also contacted the bankruptcy court via mail and they stated they do not correspond with credit bureaus and never verified this information with Equifax, which documentation of said information by the Court is attached. Due to the inaccurate information on this bankruptcy and I asked Equifax to follow suit in which they did not and continue to report this unverified inaccurate information on my credit report. Attached are documents supporting my aforementioned claims against Equifax and its imprecisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Mohela  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/2020. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been trying to get my free Equifax credit report. Every time I try to do the request online the security questions does not apply to me. Due to the hacking attempt I will not submit my personal information to Equifax to prove who I am. I DO NOT TRUST EQUIFAX OR ANY OF THEIR EMPLOYEES. 

I do not want Equifax try to send my credit report to my home address. Tell them to send the report to the following law firm. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TENNESSEE CALL XXXX - Ask for XXXX
Product: Vehicle loan or lease

Paid off my XXXX XXXX XXXX in XXXX of XXXX. Was told my title was mailed out to me within the next 15 business days. Never received my title. Continued to call XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX every week for 7 months straight. Have been told it was getting resolved by a new title being issued and mailed out. Still never received title as of XXXX XXXX.
Product: Debt collection

On XX/XX/2017 I cancelled my gym membership with XXXX XXXX. Cancellation confirmation was provided in writing by XXXX and a copy was provided to ABC Financial. Despite the fact that this cancellation was confirmed, ABC financial contacted me by telephone and harassed me with collections notices demanding payment for a cancelled and confirmed gym membership. 


ABC Financial called me repeatedly and did not stop calling after I advised them to stop. 
ABC Financial attempted to collect debts that were not owed and threatened to take actions that can not legally be taken. In addition, ABC Financial failed to send a notice summarizing debt within 5 days of my written communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI contacted Transunion to correct an auto loan information with XXXX creditor. They have not corrected the inaccurate info they are reporting. They are also reporting false info about an account with XXXX XXXX opened in XX/XX/XXXX and will not remove it. I have not ever had an account with this company and did not open one with them recently. XXXX  is also reporting this inaccurate information. I want these inaccuracies fixed immediately as they are preventing me from financing purchases and providing for my family.
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. 

Id notified XXXX, TransUnion and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. Which is deem inaccurate due to the inaccuracy from the account tenured start date, account date last activity and invalidated outstanding balances. According to statue 15 USC 1681i ( 5 ) accounts with improper data reporting are subject to modifications.

15 U.S.C 1681 section 602 A. states consumers have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agency can not furnish a account without the consumer 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 conviction 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 the information provided is inaccurate.

Also the inaccuracies on these report are not corresponding with appropriate validation under metro 2 compliance. Please review documents to prove this case has regulatory evidence for endorsing truth.