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

I sent a certified letter to XXXX, XXXX, & Transunion in XX/XX/XXXX requesting the bureaus provide their method of verification for a XXXX  XXXX & XXXX XXXXXXXX bankruptcy listed on my credit report. I also contacted the court house in GA & TN in XXXX & was advised the court does not provide bankruptcy information to credit bureaus. I spoke with XXXX, XXXX employee on XX/XX/XXXX and requested the method of verification & was advised XXXX provided this information. XXXX was unable to verify they received a copy of the bankruptcies themselves & referred me to contact XXXX. XXXX confirmed XXXX received my letter in XXXX & stated she would note my dispute Confirmation XXXX. I called XXXX representative XXXX XXXX badge number on XX/XX/XXXX. The representative advised they used a 3rd part service called XXXX. Rep stated she could not verify the bankruptcies and would file a dispute so XXXX could verify how the information was verified & initiated a dispute. XXXX is not 100 % accurate and should be utilized as a primary source for verification. Also, to my knowledge, per FCRA-a dismissed bankruptcies should be removed because there is no proper reporting of a dismissed bankruptcy. Per FCRA the credit bureaus must provide upon request a letter showing the method of verification used. I did not receive this and I requested this in XXXX. XXXX does not provide 100 % accuracy and without the credit bureaus obtaining any information directly from the court house, how can they report two bankruptcies without proper verification. Please further review and request all bankruptcies be removed from my report. XXXX XXXX  reference # XXXX XXXX XXXX reference # XXXX Ive attached documents to confirm my identity. 
Thank you
Product: Credit reporting or other personal consumer reports

unauthorized inquiries and collection XXXX XXXX
Product: Mortgage

See attached letter to State of Maine which advised they lack judication. Referred to CFPB
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I received a title loan for my XXXX XXXX XXXX Vin # XXXX  that I bought outright from a individual in XX/XX/XXXX or so of XX/XX/XXXX with a salvaged title, the account is currently 58 or so days past due because in XX/XX/XXXX, I received a notice from the Texas Department of Public safety who advised me that they believed that the vehicle was stolen sometime before XX/XX/XXXX from a XXXX plant in XXXX, Tennessee. After an investigation by a DPS agent, it was determined that the vehicle was in fact the vehicle that was stolen from the plant which had been paid off by the insurance company for XXXX XXXX. For this reason, the vehicle was seized by the XXXX on XX/XX/XXXX pending a property hearing that I had to attend at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Through the hearing I was granted sole ownership of the vehicle except by law it had to have everything changed over. I had to pay close to XXXX to get it out of the impound which was about the amount of the first loan payment, get the vin # reassigned with the state of texas, get it inspected and have it re-registered and re-titled to reflect what the vehicle actually is. I very recently, about a week, maybe 2 weeks got all of this done. So as said by the State of Texas, I am the owner of a XXXX XXXX XXXX vin # XXXX that has a clean title. On Friday, XX/XX/XXXX XXXX legal services illegally repossessed the vehicle by breach of peace being that I live on private property in a gated community that requires a gate code or clicker to enter, the last 6 of the VIN that would n't have matched the repossession order is displayed on the tag that I had just obtained on the XX/XX/XXXX and is also tagged inside the driver door of the vehicle. I advised the repossession company that it was illegal to repossess a vehicle that they do not have a proper order on or contract for. I advised them that all legal and binding documents including the power of attorney was for a XXXX XXXX XXXX, NOT the vehicle that they are in possession of. All of this information has fell on def ears, I am now without a car and have yet to hear anything from anybody concerning my car or the loan for that matter. In speaking to the agent XXXX at XXXX, he stated that I was trying to scam the loan company which is utterly ridiculous, I was not aware of the issue with this vehicle when I originally bout it, nor when I got the loan. I am a victim of a crime and was acknowledged as such by a Judge for the State of Texas as well as the auto-theft taskforce in XXXX XXXX who are the people who gave me the XXXX reassignment documents. I did not change the vin and have to do all that I had to do and go through to avoid the loan, these are things that happend because of the original crime that I was a victim of. A XXXX XXXX with a salvaged title is worth no where close to what a XXXX XXXX with a clean title is worth so even that is unfair. If I wanted to avoid the issue with the loan, I could very easily file Bankruptcy, that is not my intention for the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$410.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}. Inquiry : XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I used PayPal to send an instant payment, like I always do when using this service, to a friend. PayPal decided to put a hold on the instant payment, calling it an echeck. The payment I made was on XX/XX/23. My bank released the funds on XX/XX/23. To date, ( XX/XX/23 ) PayPal still has not released the funds. When I called to inquire, I was told it was on MY banks end where the problem lay. I called my bank and it was not my bank holding the funds. I believe PayPal received the funds from my bank and is holding them for their use. When I asked the PayPal representative why they are holding the funds he stated that it is a banking regulations that requires them to hold the funds. If this is true, then why don't they hold ALL funds paid out to individuals? Additionally, if it is a banking regulation, and they are not a bank as the representative told me several times, shouldn't they have to follow the same release of funds schedule as a bank? I would appreciate your investigation to this matter as I believe PayPal is unlawfully and unjustly holding fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 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 of 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

XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX I just got off the phone with Equifax. I spoke with May, and she told me that they received my identity theft report. Meanwhile they had removed one inquiry, but the other still remains on my credit report. It is to my knowledge that pursuant to the FCRA 15 USC 1681c-2, the consumer report agencies have 4 business days to block ALL of the fraudulent information that I, the consumer, says is fraudulent. They told me that their company policy is 30 days. Last I checked the consumer reporting agencies MUST abide by FEDERAL law, and their policies must reflect the laws that were set forth to regulate them. I am asking Equifax to remove this fraudulent inquiry below. I am also asking the Consumer Financial Protection Bureau to keep record of this violation, and to also note that Equifax asked me to send them a selfie in order to verify who I am. Their representatives also lie and tell you that their systems are updated when you tell them what they are calling for. How do I know? Because when I called back and asked the next representative if there was a system update throughout the company they told me no, and this happened on more than one occasion. This is unacceptable especially for a company that ASSUMED the role of not only holding my alleged personal information, but also furnishing information on my consumer report that can cause a substantial amount of harm to me as a consumer if reported inaccurately which in this case it is. So I am asking both Equifax and the CFPB to protect my rights as a consumer, under the FCRA. Please see attached the identity theft report along with my license for identification, along with the letter that was originally sent. 

XXXX XXXX Inquiry Date : XXXX XXXX, XXXX
Product: Debt collection

I received a debt collection notice by mail XX/XX/XXXX. On the same day, I disputed and requested verification of debt via online XX/XX/XXXX. I didn't hear anything back from Phoenix Financial Service. I reviewed my credit report today XX/XX/XXXX and Phoenix Financial Service Reported to XXXX and my credit report now show this alleged debt. I called and provided them the exact date when I requested to verify debt and dispute. I was told they allegedly sent verification XXXX. I never received any verification of debt. Collector I spoke to was hostile and was not letting me finish speaking. I told them they never provided verification of debt. Collector said it is for a medical bill from XXXX year XXXX. This alleged debt should be verified as requested, they never provided this. The collector 's threat is that they will just continue to repeatedly report to Credit Bureau if I dispute and before I could say anything she hang up on me. I double-checked the information provided to XXXX and found inaccurate information. 
In summary : - Phoenix financial Service never provided verification of debt. 
- Phoenix Financial Service states the alleged debt is for an unpaid medical bill year XXXX. 
- Phoenix Financial Service reported alleged medical debt to Credit Bureau, a debt that is not verified.
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. 

Companies Involved XXXX XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX XXXX - Dispute opened, not fully resolved XXXX XXXX - Dispute opened, not fully resolved 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an 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 XXXX years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) Section. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I had an interest free payment plan for an air conditioner unit, through Goodleap. I setup an autopayment through their payment portal for {$840.00} in XX/XX/2022. This recurring amount would fully cover the balance WITHIN the interest free period. I called the company on XXXX to verify that no additional charges or hidden fees would be applicable to trigger the collateralized interest penalty. I was assured that it would not. Today, XXXX, I received a bill in the mail from Goodleap for the collateralized interest penalty. After speaking with a representative from the company, I am told that on the last month XXXX I logged on to the portal and cancelled the the final payment of {$840.00}. Furthermore, I am told that 3 days later, XXXX, I authorized a payment for {$820.00}. I did neither of these transaction within their payment portal. This is a {$20.00} difference that has generated an interest bearing ( 11.49 % ) debt totaling {$1200.00}. This morning after receiving the bill, I reached out to the company and explained that I did not make the cancellation or the payment for {$20.00} less than the original amount I had setup. ( Why would I reduce the payment by {$20.00} to incur the collateralized interest payment of XXXX? ) There is, and was more than enough available funds in the account to cover the full payment. The customer service representative said that there was nothing they could do about it. This is an offshore call center and they refused to put me through to an American based call center for the company. I additionally researched the company and found that the is XXXX XXXX XXXX. I logged on to XXXX and sent him a message outlining, basically, what I have explained in this statement. I also explained to him I am a XXXX veteran and that I did not make the transactions. I respectfully asked that he help me rectify this situation. I need help with this. My intuition is that this is corporate fraud. a similar thing happened in XXXX with XXXX XXXX for an interest free loan to put windows in my house. I did not have the money for legal services and ultimately paid them XXXX XXXX of dollars to close the account. I'm hoping your organization can help me rectify this situation.
Product: Credit reporting or other personal consumer reports

Account not mine, never done business with this company and I told them that, and now I have submitted police report and trade commission report 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

I had a 36month lease with XXXX XXXX. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time XXXX contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new XXXX vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, XXXX, transunion & XXXX, but XXXX XXXX  replies to them every time that the late payment fees are due. 

attached proof of the last payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written transunion and XXXX   several times regarding my credit report ( XX/XX/2019 ). I have requested that the following credit reporting agencies remove incorrect information and accounts showing on my credit report. I I have requested that the following accounts be removed immediately due to the information being incorrect and does not belong to me. I have also requested that the agencies provide me with their method of verification and proof of contracts from the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$3800.00} ), XXXX XXXX ( {$280.00} ) and XXXX XXXX XXXX ( {$680.00} ). Transunion and XXXX has failed to provide me with proof of contract and has not removed the following accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I'm trying to use the XXXX XXXX and a XXXX XXXX to get a better control of my financials and they dont allow cross sharing my banking info, even though i logged in and provided all the encessary informatoon to release my information
Product: Debt collection

The gentleman called me a XXXX  and was very XXXX with regards to the debt. I have no idea what debt they're talking about. All my debt has been paid or being paid.
Product: Credit card or prepaid card

Several years ago, I engaged in abusive activity with an American Express card, resulting in a ban on obtaining American Express cards in the US. I acknowledge the gravity of my actions and have since made significant personal growth. I have since maintained an exemplary record with my current American Express XXXX account. I am committed to responsible financial behavior and kindly request this context be considered for my application reconsideration. I am prepared to provide further details if needed.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX Balance Owed : {$8.00} XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> CCR XX/XX/year>
Product: Debt collection

The debt belongs to my father. We have the same name but our birthdays and social security numbers are obviously different. I have contacted XXXX and emailed them a copy of my drivers license to very the debt it 's not mind and yet I have not heard from them and they have not removed the collection from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unable account resolved the consumer financial protection bureau recently filed a lawsuit against XXXX  alleging systemic issues such as failing to forward consumer provided evidence to furniture accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.
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. 

Account name : XXXX XXXX account number # 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 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 or other personal consumer reports

I am filing a formal complaint regarding the violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ) Experian. Specifically, my non-public personal information ( NPI ) was improperly disclosed to non-affiliated third parties such as credit bureaus and third-party debt collectors without my knowledge, consent, or an opportunity to opt out. This disclosure occurred before I was fully informed, as required by the GLBA, and resulted in damage to my credit report and personal financial standing.

Specific Violations : 1. Violation of 15 U.S.C. 6801 - Privacy of Consumer Financial Information My non-public personal information was disclosed to non-affiliated third parties, such as credit bureaus and debt collectors, without my explicit consent or knowledge. This constitutes a failure to safeguard my privacy and sensitive financial data, violating the GLBAs privacy protections.

2. Violation of 15 U.S.C. 6802 - Restrictions on Disclosures of Nonpublic Personal Information My sensitive data was shared with non-affiliated third parties ( credit bureaus and third-party debt collectors ) without providing me with proper notice or an opportunity to opt out of such disclosure, as mandated by the GLBA. I was not afforded the protections required under this section.

3. Violation of 15 U.S.C. 6803 - Opt-out Notice I was not provided with the required opt-out notice to prevent the disclosure of my non-public personal information to third parties, as required by law. This failure deprived me of my rights under the GLBA to control the sharing of my financial information.

4. Violation of 15 U.S.C. 6804 - Regulations and Enforcement The company has failed to comply with regulatory safeguards regarding my personal financial information. The unauthorized disclosures have caused a direct and ongoing harm to my financial standing and credit report.