23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681. ACCOUNT Name : 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 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. 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : 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 Please remove these items ASAP.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Student loan

Department of Education does not have my accurate payment count on their website. The website is missing payments made from XX/XX/XXXX to XX/XX/XXXX. I should have made my XXXX qualifying payments years ago. I have tried talking to XXXX and they have stated that there is nothing they can do. I have tried reaching out to Fed Loan Services and I can not reach an actual person. I contacted Navient who used to be my loan servicer and they provided me with documentation proving I made payments during this period of time. Nothing has been done.
Product: Vehicle loan or lease

I will start by saying I already had issues with Ally and reported to XXXX, and some issues were resolved, but some were said they were resolved but weren't. I'll spare you the details of what was resolved but I was told that I could use my debit card on there app or website to pay but it is blocked and can't be used on either. Because of this I have to use a third party website and pay XXXX extra which I don't like but that's not my main complaint, I go to pay my bill XXXX  XX/XX/XXXX, that isn't due until the XXXX but im being charged a late fee. On the app it shows a different amount than the website as seen in attached pictures. Also I would like to state as you can probally tell I'm frustrated with this company absolutely XXXX of the worst customer services/ websitr/ app interface I have ever dealt with, nothing works as its supposed to, but that's not the worst part. If you miss your payment these guys call you the next day, if u answer they call again XXXX  to remind you of your payment. If u don't answer they keep calling. If I just don't answer the phone I will get about XXXX phone calls from these guys in about a XXXX. This is just outright harassment and I don't belive they can do that. My bill is due same time every XXXX  I don't need XXXX reminders it is very annoying and I belive there doing it on purpose because I reported them to XXXX. I also believe they purposely lied about fixing the account, they said a tech would call me in XXXX  days about it they never did, seems strange for a company that has no problem contacting XXXX times when u owe them XXXX I would like my late fees refunded, I would also like them to pay the XXXX third party fee out of there own pocket for the inconvenience although I know they wont. I also need them to unblock my bank account from there system, like I've tried to have them do XXXX times no with no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX  XXXX XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous of times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was impossible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institutions and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent Bankruptcy account on my credit report that I did not authorize and Trasunion are violating my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. I also contact the U.S Court and they informed me they did not furnish this information to Transunion. If my issue is not resolved I will seek remedy and will move forward in the court of law.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Debt collection

Intentionally failed to submit summons or complaint to notify defendant of a lawsuit. Has a bad history of withholding critical information from consumers concerning lawsuits and verifying and validating debts. Please see attached.
Product: Credit reporting or other personal consumer reports

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such XXXX, be sentenced to a term of XXXX   of 2 years. Hard Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Nothing happen they refused to re investigate accounts after i disputed them. 
I sent in proof of identity Driver License, Bill and SSI. 
I ask to send me account details after updates where done but never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX investigated XXXX or XXXX XXXX a credit card which I defaulted on several years back. After I defaulted, I settled and paid {$120.00} as a post settlement payment in XX/XX/XXXX to stop credit reporting. 

In XX/XX/XXXX, I worked a second settlement with XXXX XXXX that this tradeline would be removed from my credit reports through the XXXX in the Ohio Area. ( See attached letter ) XXXX which investigated my dispute and determined a different second of facts which are totally erroneous. They determined that the card was in good standing up until XX/XX/XXXX and then there was a charge-off. How the circumstances have changed that this now happened I have no idea. 

First step is submit an second investigation. When you submit a second investigation, XXXX prevents you and asks you to upload additional documentation justifying why it is justified. I uploaded the documentation, however, no confirmation number was provided and when I followed-up I was told by the agent they did not receive document I uploaded throughout their dispute portal through XXXX. This is by the far the easiest way to dispute an item and was the means by which I initially challenged the item the first time. 

Thus, when I spoke to the agents all three times, I contacted XXXX I was repeatedly to told I need to upload through a website called : XXXX. You can't upload documents through here. However, no matter how I uploaded the documents, pdf, scan, jpeg, color, non-color, I get error messages, timeout, etc. ( I have included the error messages. ) XXXX makes this impossible. 

To mail XXXX  requests you to include three forms of identification which is understandable, but once again this is a dispute, which if the form worked online or if the investigation was handled correctly would not require such extensive documentation. Likewise, a subjective and arbitrary review of the documentation could lead to request being denied by an XXXX employee. ( Cover Letter document is attached. ) When obtaining credit - time is of the essence and any inaccuracies on your credit report leads to a denial of credit is a denial of liberty. I am seeking a business loan and this keeps happening. 

Transunion same problem. I can't get access to their online portal. You call them, they can't tell you why you can't get access and you need to mail everything in. You mail the documents in and then you can't a letter saying they can't verify your identity when you are disputing something on your credit report. I could have authenticated myself if I can get access to my online dispute portal, but no one can provide me with the number to that dept or tell me why I can't dispute my items online. This is why it is necessary to constantly involve the CFPB. It is incredibly annoying and a waste of time to involve a third party when it is unnecessary, but they respond to a governmental entity this way.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, SD XXXX Subject : XXXX for Debt Validation Account Number : { XXXX ] and { XXXX }. XXXX accounts Dear XXXX XXXX XXXX I am writing to request validation of the debt referenced above, which I understand you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe. I request that you provide the following information. 

XXXX. The name of the original creditor. 
XXXX. The amount of the debt. 
XXXX. A detailed explanation of how the debt was calculated. 
XXXX. Any supporting documentation proving that I owe this debt. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 

Please consider this letter a formal dispute of the debt until validation is provided. While awaiting this information, I request that you cease all collection and activity on this account, including reporting this debt to credit bureaus.Please delete from bureaus. 

Thank you for your cooperation in this matter. I look forward to receiving the requested documentation. 

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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two Issues With XXXX XXXX XXXX XXXX with No Resolution To Date ( 3 years and counting ) 1 ) XXXX XXXX XXXX has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. XXXX misapplied pymts to my taxes/ XXXX  fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of. 

2 ) With my lease, I have a XXXX  pass in my car. When XXXX fined me for tolls I paid my XXXX  tolls directly to XXXX  va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent XXXX confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for XXXX  tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX accounts have a charge-off status and a past due balance on my credit reports, these charge-off accounts should have a {$0.00} balance.Please update and/or delete these accounts immediatelyXXXX 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 sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Accountname- XXXX XXXX XXXX XXXX XXXX According to the FCRA the term XXXX investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres two XXXX  XXXX. I HAD ONE. Its impossible to have two. The dates dont add up. The open date on one and late payments on other at the same time. I dont know whos is in my report but its unacceptable. This is a major violation. Ive filed MULTIPLE complaints and disputes. They will not listen. XXXX  deleted it! Please these are not both mine. I had ONE! Im taking legal recourse if this isnt resolved in 30 days.