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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I requested that the company delete all negative/adverse charge offs late payments and collections from my credit report due to the companys direct violation of federal law 15 ISC 1681 ( A ) ( 2 ) ( I ), 15 USC 1666 ( b ) and 15 USC 1692 ( g ). These companys are using abusive deceptive practices causing an adverse impact to my reputation and consumer report.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am submitting this letter to dispute the following accounts, which have been inaccurately reported under my credit profile and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts were opened or reported without my authorization. This fraudulent activity has caused harm to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and the removal of these accounts from my credit report. 

Thank you for your time and prompt resolution of this matter. Please reach out to me directly if further documentation or clarification is needed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the XXXX XXXX XXXX. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under XXXX XXXX Section XXXX A. XXXX XXXX has the right to privacy. 

XXXX XXXX Section XXXX A Section XXXX : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX
Product: Debt collection

I have requested debt validation from Auto Trakk several times and to date have not received anything. I am rerequesting a contract or something which bears my signature and shows that I owe this debt or I request that it be deleted from my credit report as it has bot been validated after several requests.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is paid in full with XXXX. Was disputed last year and corrected. Company is now reporting incorrect information Of balance that is a violation of FTC act and Federal Truth In credit reporting act. 

In addition, my credit report have hard inquiries unauthorized XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and the rest as I was told it was a soft look with No Impact. They sent additional hard pull unauthorized to several banks which is reflected by the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$280.00}, XXXX XXXXXXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX : {$150.00}
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$800.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$660.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

I signed up for Citibank 's " {$400.00} Bonus when you open a new checking and savings account in the Citi Account Package '' promotion via their promotional " Apply Now '' link on Citibank 's landing page on XX/XX/XXXX. 
The XXXX deposit minimum within 30 days was met on XX/XX/XXXX. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days has been met. 
The {$400.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. It's currently XX/XX/XXXX and no bonus has been posted to my account.
Product: Credit reporting or other personal consumer reports

MARINER FINANCE IS REPORTING ACCOUNT INFORMATION INACCURATE VIOLATIONS 15 USC 1681. ATTACHED DOCS
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.

The letters are stated with items and issues. 

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

In accordance with fair credit reporting act XXXX accounts # 1 and # 2 listed below violated my rights. 

Account # 1- XXXX XXXX XXXX. account # XXXX Account # 2- XXXX XXXX XXXX. account # XXXX 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no association with the listed creditors. I need them removed from my credit report immediately. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After review of my reports in XX/XX/2023 I notice accounts that were incorrect and untrue. I disputed the information in hopes of some clarity. Ive never received any mail nor correspondence of an investigation nor its findings, within 35 days i attempt more answers. I sent another letter explaining how my rights have been violated and i also submitted an FTC report because this is a clear identity theft situation, i asked to block this account within the four days allowed by law and as of today Equifax has failed to comply to the govern laws that are applicable to this company. XX/XX/2023 complaint ID XXXX was my 3rd attempt to block information in accordance with 15 usc 1681c-2 on my consumer report within the grounds of the law and still the violations exists. Please remove delete and or block XXXX fraudulent information for my consumer report. 

CC : Attorney General CC : XXXX
Product: Debt collection

Received call from debit collector agent Back in XXXX unprofessional comments were made I was asked by The Agent on Phone call What Amount I can pay I responded That I couldn't agent 's comment to that answer was in exact words ( well Why did you open the line of credit Then )/ Call was Terminated by me XXXX received call from collector Again was held on phone for 20 minutes I Asked multiple times to send email and or mail. I updated contact information. supervisor of company intercepted call with agent and also was unprofessional. comments were also made by supervisor about other dept on my credit report. very harsh and unprofessional comments were still being made even after I requested and updated information with collector after 20 minutes call was disconnected by me. I have not received anything via email as I asked collector 's supervisor/ claimed as we were on the phone that she was sending email and continued to basically bagger and threaten/ held hostage Phone call.
Product: Credit reporting

Credit reporting agencies have allowed debt collectors to resell accounts and allowed them to re-post in an attempt to keep aged accounts open as if new.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I do not have a contract and I did not share my personal information with XXXX XXXX XXXX trying to collect and report on my credit report. They did not provide me with the original contract as I requested. I am writing to inform you of my rights and obligations under 15 USC 6802 regarding the disclosure of my personal information. As a consumer, I have the following rights and responsibilities : 1. Right to Know : I have the right to know what personal information about me is being collected, used, and shared by financial institutions. 
2. Right to Opt-Out : I have the right to opt-out of the sharing of my personal information with non- affiliated third parties.

3. Obligation to Protect Information : I have the obligation to take reasonable steps to protect my personal information from unauthorized access and disclosure.

4. Right to Access : I have the right to access my personal information held by financial institutions and to correct any inaccuracies.

5. Right to Limit Sharing : I have the right to limit the sharing of my personal information for marketing purposes.

6. Obligation to Notify : I have the obligation to notify financial institutions if my personal information changes or if I believe it has been compromised.

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items from my credit report. It is my understanding that you will verify this information with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. Please be advised that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address, as the act dictates that there should be no charge for this updated report. 
Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Student loan

XXXX Student Loan From what my account is showing is that interest should be accrued at a variable rate of 7.42 %. I have realized that interest is actually being accrued daily at a rate of 7.43 %. 

I have had an accountant look at the loan and the accrued interest is not what they are tell me the rate is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Loan with Huntington National Bank X/XX/2006 for a used XXXX Paid in full never late and it reports to XXXX and XXXX XXXX  but XXXX removed it along with other positive items from my credit report only to report negative collection items with around XXXX inquiries due to identity theft. According to the FCRA the Huntington National Bank Auto loan needs to be reporting and the collection medical bills along with the inquiries need to be blocked since I filed an Identity Theft report and my file is being improperly handled by XXXX office of consumer affairs.
Product: Checking or savings account

On XX/XX/2020 I signed into my checking account to check my balance & after signing in saw XXXX was available.After checking the transactions, I saw {$1100.00} was available after my Social Security was deposited even though there was no Recent debits.I called the bank but they refused to explain the difference.
Product: Credit reporting or other personal consumer reports

This creditor KING OF CREDIT FINANCIAL is constantly putting back unverified on authorize remarks to my credit report, & the reporting agency XXXX XXXX keeps reporting false information which has brong my credit report down XXXX points in one day, I am looking for legal actions because this has been going on for about three months and when I contact them theres no resolution they just tell me they have to report whatever the creditor reports to them and then when I contact the creditor they never respond
Product: Mortgage

On XX/XX/2023 we called SPS ( Select Portfolio Servicing , Inc ) to pay off the loan ( and non-interest bearing note ). Happy to help, the agent ( XXXX ) confirmed the confirmed {$20000.00} on the loan and {$70000.00} on the note and made the withdrawal for the former and said he'd have to call back to confirm withdrawal of the {$70000.00}. 

After a week and no call back, we contacted the support line to learn that we'd have to send {$70000.00} which we instructed our bank ( XXXX ) to do. Another week later, we noticed that the check from the bank had been delivered but not cashed. Logged on to the SPS website to find that the balance was not zero, or {$70000.00} pending their deposit of funds sent- so we called again. From a supervisor, we learned that the initial payment had been miss-applied so the pay-off not completed. We were promised a call back, which again did not happen another week later. 

XXXX confirmed the {$70000.00} cleared their account, so another call, another supervisor, another verbal apology and promise of a call back after escalating the issue to their management. No call back. Etc etc... 

Today, we called again - same supervisor ( who was going to call! ) conveyed that management verbal interactions with their staff did not matter and a pay-off letter was being sent for the new outstanding balance ( with interest )!!! The supervisor said she'd refer the matter to their internal complaints department. Having lost faith in any such promise, I'm filing this complaint.
Product: Debt collection

XXXX sent account to collections.I contacted collection co. & I reached settlement agreement & paid it as per instructions. 
I received Account settled in full letter ... month later same collection co. sends me letter for same debt. I call & XXXX has sent the debt to them again..they state debt verified by XXXX ... I call XXXX and they will update system. i proceed to dispute & send docs to collection co. Now a new collection co is contacting about the same debt ... and said that XXXX just verified the debt ... again just called XXXX and they transfer me from dept to dept .... and I now have to dispute the debt again with this new collection co. the constant report of this is annoying and hurting my credit score.
Product: Consumer Loan

My XXXX was stolen. There was a loan from TITLE MAX in XXXX, Alabama. The manager, XXXX informed me that all I needed to do was bring the police report and the loan would be satisfied. I DID inform him that the vehicle was at a scrapyard on highway XXXX in XXXX. he said that once they were scrapped TITLE MAX did n't want them. I did as instructed by XXXX. I decided to use the little money i had to get XXXX from police impound ( {$400.00} ) and make necessary repairs to get it running rather than put into another vehicle. Had windshield replaced ( {$200.00} ) XXXX ( {$100.00} ) XXXX ( {$50.00} ) based on XXXX 's word that loan was satisfied. XXXX was no longer worth the cost of repairs plus amount of the loan. AFTER this was done he sent for the truck. There was never any mention of this to me. He NEVER informed me that he could change his mind, just lied to my face. I have pictures of damages to the XXXX, police reports, and will gladly give detective 's name and number for verification. I 've had previous loans with TITLE MAX that have been settled without problems. I 've always made payments in a timely manner. as matter of fact, when vehicle was stolen, I asked XXXX if interest could be stopped and i could work on paying balance of the loan so i wouldnt default on it. He told me that it wasnt necessary. THIS MAN IS DISHONEST AND MADE ME A VICTIM XXXX!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX   XXXX XXXX {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   {$5100.00} XXXX XX/XX/XXXX XXXX XXXX* {$650.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I was notified by email that I was charged {$750.00} for an XXXX XXXX XXXX and charged to my Pay Pal account! I called Pay Pal and they told me that I had cancelled my Pay Pal account on XX/XX/XXXX in 2021!! They gave me a transaction number, and order number! They also gave me this telephone number to XXXX in XXXX XXXX XXXX CA!!