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

In accordance with the Fair Credit Reporting act has : - XXXX XXXX XXXX - Account # XXXX - XXXX - Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXXXXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

I am a federally protected consumer and I.C. System, Inc has violated me under the provision of 15 USC 1692. Please review attached documentation.
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 XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 
XXXX XX/XX/XXXX. 
Unrecognized hard inquiries on my report remove immediately. Thank you
Product: Debt collection

Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have a debt amount of {$130.00} from KLS Financial Services whom they have stated I owe KLS Financial Services. After speaking with a representative from KLS Financial Services asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with KLS Financial Services, absolutely nothing has been sent to me. I have repeatedly sent letters to the KLS Financial Services asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with KLS Financial Services and neither have I used their services for them to say that I owe them money. I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-KLS Financial Services can furnish to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Monthly Reporting Details of My Account Dear XXXX XXXX I am writing in reference to my account with XXXX XXXX, which was previously reported to TransUnion, XXXX, and other credit bureaus. It has come to my attention that this account has been removed from my credit reports without my authorization. As this account is a revolving account, I believe it should not have been deleted. 

To address this issue, I am requesting documentation that verifies your companys monthly reporting of this account to TransUnion, XXXX, and any other credit reporting agencies. Specifically, I request : 1. A detailed record of the dates on which your company reported this account to the credit bureaus each month.

2. Any explanations for why this account was removed from my credit reports. 



Please provide this information as soon as possible, as it is critical for ensuring the accuracy of my credit report. If additional information is required to locate my account, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX a natural person and federally protected consumer, give TRANSUNION LLC and the CFPB AUTHORIZATION to proceed with this complaint. I have disputed these accounts. TRANSUNION LLC claims that these alleged accounts are reporting accurately. How can they be reporting accurately if three consumer reporting agencies are reporting that the US DEPARTMENT OF EDUCATION aka the federal government is making these reportings when the US DEPARTMENT OF EDUCATION is located in Washington, XXXX and contact number is XXXX? How can all 3 elaborate mechanisms known as consumer reporting agencies be reporting the same alleged account with the same alleged balance and the contact information is completely different from all 3 consumer agencies. Literally, 3 different contact numbers and located in 3 different states. How is that an accurate reporting? Who is the DEBT COLLECTOR making these reportings that are false and misleading and posing as the federal government? Who owns this alleged debt as only the original creditor with the original note has lawful rights to collect an alleged debt? Pursuant to 15 USC 1692c ( b ) it is unlawful to communicate with third parties without the consent of the consumer. So how did you get this inaccurate and unlawful information if I, the consumer, NEVER directly gave this alleged debt collector my consent to communicate about this alleged debt to third parties, consumer reporting agencies? If you have LAWFUL RIGHTS to report this inaccurate information please provide the law. If you continue to participate in this fraud by defaming my character by way of placing negative items on my consumer report to coerce payments from me then I will be forced to seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the late payments reported on my NR/SMS/CAL mortgage account ( Account # XXXX ) on my Experian credit report. Due to the financial hardships caused by the XXXX pandemic, I requested and received accommodations for this account. The CARES Act specifies that accounts under COVID-19 accommodation agreements should be reported as current if they were current at the time the accommodation was granted. However, my Experian report shows 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which I believe is a misrepresentation of my account history during this period. I have formally requested that Experian investigate and update the reporting to accurately reflect the account as 'current ' during these periods or remove the inaccurate entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to ONEMAIN FINANCIAL concerning my credit report. Due to suspicious activity on my credit report. I simply asked ONEMAIN FINANCIAL to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.
Product: Debt collection

Greetings, I received a phone call last month with a voicemail stating a credit collection company was calling to collect on a debt. I was pretty sure it was a scam because I know I owe nothing except a few credit cards I keep up on. I called to ask them not to call again and I knew it was a scam. She immediately knew my name from the number I dialed, she proceeded to ask if this was in fact my correct phone number, which it is/was. She then asked for my mailing address. At this point I stopped her and asked what this was regarding before I give out any more information. She asked me if I was represented by an attorney. In my quick thoughts, I thought this my be something to do with my divorce, which was completed in XX/XX/2018. I responded with " yes ', but quickly backtracked because my divorce is final and my attorney as since retired. I asked again what this was regarding. She told me I needed to have my attorney call to resolve this. I explained that A.my attorney is since retired and B. my name is attached to a collection and I have every right to know what this is. C. an attorney has an hourly price and I'm surely not going to hire an attorney at my expense to get something cleared that is my name. 
bottom line, she refused to give me ANY information. I have to assume this is a medical bill that my husband didn't pay and I'm on the hook. In any case, my hands are tied because they won't work with me. 
My credit will be destroyed due to this, if its not already. I have received no written letter, nor has my ex husband. 
Is this even legal? It seems extremely unfair. 
XXXX XXXX a compliance specialist with the Division of Financial Regulation, urged me to make contact with CFPB. 

The collection agency is XXXX XXXXXXXX XXXX. License XXXX/NMLS XXXX I hope you can help in some way? I really don't want this on my credit and I don't have the resources to get an attorney. 

Thank you kindly, XXXX XXXX
Product: Consumer Loan

I purchased a vehicle from XXXX XXXX XXXX in XXXX, MI in XX/XX/XXXX. The finance company ABC Auto Finance was the company my car loan was through. At the time of purchase the sales representative informed me that I had to purchase the company 's Gap Insurance, so that the car would be covered if anything should happen. My car note was around {$600.00} per month. After calling ABC Auto for several months requesting that the car loan be added to my credit report they finally reported but only reported payments of {$480.00}. XXXX XXXX the car caught fire and was totaled the representative told me I had to pay a {$500.00} deductible ( which I did ) and the loan would be forgiven, I could purchase a new car. During my search for a new car the representative ( XXXX I think ) informed me that I could go to any dealership to purchase a vehicle. ABC NEVER stated that if I did not return to the same dealership or a dealership that ABC is affiliated with I would have to pay the balance of the car. I obtained a new car from a different dealership and just happened to check my credit report in XX/XX/XXXX and saw a loan amount for {$9100.00}. I called ABC they stated I had to pay the balance because the box was not checked on my loan agreement that I was pay for GAP insurance. That was false not only did XXXX XXXX XXXX and ABC auto say that I had to pay Gap Insurance from their company in order to obtain the truck I have my bank statement where I payed the {$500.00} deductible and the bank statement from where I paid around {$600.00} for my car note, while they were only reporting {$480.00}. The ABC auto rep. told me I could go to any dealership and my loan was forgiven. I even tried to work out an agreement with ABC auto just to have this loan removed from my credit report as quickly as possible the amount they were willing to work with was outrageous, when I do n't owe ABC at ALL. Please inform me what to do in order to dispute this loan.
Product: Checking or savings account

I noticed unauthorized charges of over {$4000.00} taken out on my checking acct after returning from a 4 day stay in XXXX, NV. i reported them quickly to XXXX XXXX. 
I filed claims and was checking on the status daily for close to XXXX weeks. Several times i was told by superiors that the following day my funds would be credited back in my account. I dont believe that the bank would even allow that amount to be taken out of my acct.in one evening. I had to get authorization from them to once withdraw {$400.00} in one day at an atm. But yet they allowed over {$4000.00} to be taken. 
What happened to exceeding the daily limit to protect me. This is clearly an error on their part. But B of A is denying my claim. They have never reached out to me. I know this from getting updates from calling them, daily. They XXXX XXXX my pin and XXXX werent stolen, im responsible because the chip was used at every transaction. I explained how the card and pin were left in my vehicles glove dept. I valet parked at least 6 times that evening. 
I took out a car title loan to help us through our hard times. Now i have no electricity for over 10 days now. All my food spoiled. My water is getting shut off today, all because i cant pay my bills because my funds were taken. No credit was ever issued back to my acct. I did not take that money from my acct and regret ever depositing it. XXXX are my rights. I know im being taken advantage of. 
Sincerely, XXXX XXXX https : XXXX I filed two complaints on the XXXX & XXXX of XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion wrongfully posted that my XXXX account had been delinquent when I was a victim or unauthorized charges being placed on my account. XXXX XXXX removed these charges and sent me a letter stating that they were removing the delinquency. 
Transunion failed to correct the mistake and falsely certified that they had conducted an investigation and found the charges valid.
Product: Debt collection

I contacted Avant  in XX/XX/2019 regarding removal of this account from my credit report. Avant responded but as of XX/XX/2019 the account hasnot been removed nor has it been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to Complaint XXXX which was closed on XX/XX/2020. 

70 days ago XXXX XXXX  acknowledged that a dispute was closed in my favor regarding a fraudulently opened account. I pulled my credit reports today and am still seeing the XXXX XXXX   XXXX XXXX account on my reports. This should have been removed. This has now been an issue for 147 days. 

The account continues to show up on my XXXX  and Experian credit reports as a disputed account. I have had complications applying for a mortgage and a completing a background check for a new job because of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report on XX/XX/XXXX and found multiple hard inquiries that are invalid and not mine ( fraudulent ). After calling TransUnion and asking to have them removed, I was transferred to multiple representatives and ultimately told to contact each creditor individually. After doing so, I was told that TransUnion must be the one to delete such errors. These inquiries were added to my credit report without them being able to validate that they were in fact mine. I explained to them multiple times that I did not authorize these inquiries but they refuse to help me. I also asked a supervisor from TransUnion to send me proof of these inquiries being made by me and he was unable to provide any such proof. I would like the following inquiries removed from my report as they are violations of the FCRA. XXXX XXXX XXXX:XX/XX/XXXXXXXX:XX/XX/XXXX XXXX XXXX XX/XX/2017 XXXXXXXX plcc:XX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX:XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

I originally complained about the unfair assessment of late fees on XX/XX/18 to my loan account ; the fact that they mixed up the mortgage payments and put them into the wrong accounts ; that the extra money I sent to be paid to the principle was paid to the loan interest ; and the most important part they allowed my homeowners insurance to lapse, because they did not renew my insurance on time, and as a result it is scheduled to expire on XX/XX/18. They have addressed the first two issues to correct the mistakes of payment in the right places and adjust principle to reflect the payments made to that area, but they have neglected to fix the insurance part which is most important, because a house must have insurance on it, in case of fire or natural disasters, if for some reason something perchance occurred, I would not be covered. In this case, although the mortgage is tied to the home insurance and they are responsible for paying the premiums and ensuring that the insurance coverage is there, instead, they have ignored this aspect of the complaint, and just sent me a letter stating that the home insurance will expire on XX/XX/2018, without making any efforts to see that it be reinstated to ensure that my home is covered from these disasters, and they are further telling me that without home insurance, they can not service my mortgage loan, which is very unfair of them to me, as they are totally responsible for renewing it, and they don't care to do so! And I want my insurance reinstated before the expiry date reaches! I urgently need this to be done!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts blow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : 1. # XXXX Commercial card / Account 2XXXX # XXXX Service/ 3. # XXXX Service/ 4. # XXXX Line of XXXX/ 5. # XXXX XXXX 6. # XXXX XXXX/ 7. # XXXX Service. 
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. ( aX5 ) Section : no comsumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C1681s-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: Debt or credit management

I enrolled in XXXX XXXX ( GLOBAL LLC ) DEBT negotiation in XXXX of XXXX. I thought everything was going ok until i noticed that they still had not done anything to settle with two cards, from the accounts they agreed to take care of 9 months earlier. I found an official notice on their XXXX XXXX opening screen in XXXX of XXXX, stating they are being sued by a government entity they then did several things that prompted me to stop putting money as of XX/XX/XXXX due to losing confidence in the program and most times i called i could really not get assistance up until today, i now had to file for bankruptcy which was the LAST thing i intended. The card they never contacted sued me because their company is in a freeze for customers and my XXXX employer XXXX XXXX. was told to garnish my wages so i was forced to do the personal bankruptcy. XXXX took over {$5100.00} US DOLLARS from me for nothing, mostly all fees for their pockets and a few to pay the cards about {$15.00}. a month between XX/XX/XXXX & XX/XX/XXXX when i told them i wanted my money back they will not return my calls. THIS GROUP under the Global entity are complete scammers and i want my {$5100.00} back which they have not responded to me about. Please help me. Thank you!
Product: Debt collection

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 

15 USC 1681 section 602 A states that i have rights to privacy.

15 USC 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish aaccount without my written construction.
Product: Credit reporting or other personal consumer reports

I did not consciously opt in for courtesy fees. I had no knowledge of this as they did not send me any email whatsoever notifying me of my possible charge off. All emails I received were promotional emails. They denied sending me a copy of the 1099-C tax form, yet my credit report indicates that it is a charge off.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$390.00}
Product: Debt collection

account resoution contacted me on XX/XX/2022 for a medical XXXX that i had supposbly had after asking them the verify the info and asking them to send me paperwork for the origanal collector ( XXXX XXXX ) that i had signed personal info saying that i had owned it were not able to give me info and have voilated my hippa rights and they refused to close the accout and take the amout of XXXX off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft and notified XXXX XXXX  and XXXX. i also attached my police report and identity theft affidavit. XXXX  and XXXX  removed the fraudulent account but XXXX  still haven't removed the accounts.