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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : [ Account XXXX ] XXXX XXXXXXXX [ Account XXXX ] XXXX XXXXXXXX [ Account XXXX ] XXXX XXXX  XXXX These accounts have accessed my XXXX XXXX  without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my XXXX XXXX as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a XXXX XXXX XXXX can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no XXXX XXXX XXXX may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall furnish any information relating to a consumer to any XXXX XXXX XXXX  if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXXXXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXXDate Opened : XXXX XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX
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 corrected : XXXX XXXX XXXX  XXXX .... Balance : {$82.00} ; XXXX XXXX  XXXX .... Balance : {$22.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$78.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$4.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$140000.00} ; XXXX XXXX XXXX XXXX Balance : {$620000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violate my consumer rights per the following information : There are several inconsistencies between the credit reports from XXXX, XXXX, and Experian regarding the account in question. These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), including sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ). 

XXXX reports the account as " Unknown, '' while XXXX and Experian both report it as a " Revolving '' account with a " XXXX account '' detail. This discrepancy violates the FCRA 's section 623 ( a ) ( 2 ), which requires credit reporting agencies to ensure the accuracy of the information they report. 

Additionally, XXXX reports the account as " Closed, '' while XXXX and Experian both report it as " Paid. '' This discrepancy may violate the FCRA 's section 623 ( a ) ( 5 ), which requires credit reporting agencies to correct or delete inaccurate information within a reasonable time period. 

Furthermore, XXXX reports the " High Credit '' as {$0.00}, while XXXX and Experian report it as {$100.00}. This discrepancy may violate the FCRA 's section 623 ( a ) ( 8 ), which requires credit reporting agencies to provide accurate information about the credit limits and high credit amounts of consumer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with XXXX and Kickoff Lending LLC. I sent my first verify dispute letter on XXXX XXXX, 2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to Kickoff Lending XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
Product: Credit reporting or other personal consumer reports

the following items need to be removed from my credit file reviewing my report now I see these items and they are not my accounts and should be removed besides. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. the following items need to be removed please ; Account name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Aargon agency inc {$1100.00} XXXX XXXX XXXX {$1600.00} I don't know where these are but I am a victim of identity theft and in there are a whole bunch of of accounts that I don't know about including these two. They said it was for XXXX XXXX XXXX I believe that someone has my ID and social security card which I had lost and use my name. I don't know why but this is not acceptable. I called XXXX XXXX XXXX XXXX  and they gave me this information. I seen it on my credit report and I told them that I did not know what these files are but they just told me that I need to pay. I'm not going to pay for something I didn't receive. Please help. Thank you
Product: Debt collection

To avoid admission of its intended deception, fraud, XXXX XXXX XXXX XX/XX/XXXX responded to CFPB XXXX : " XXXX XXXX XXXX XXXX is in receipt of the complaint. Due to the nature of the debt, the consumer must provide written authorization to speak with a third party. This letter can be mailed to XXXX XXXX XXXX, XXXX, PA XXXX. Please be advised we can not discuss any details with a third party without the consumer 's written consent. '' The requested fair resolution to this issue was : " Email XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of ALL billings to XXXX XXXX, all insurance billings, all medical records of all alleged service ( XXXX ), all insurance denials and the name and address of XXXX you have used. '' One fact specifically requested was XX/XX/XXXX billing to manufactured insurer XXXX XXXX to match against XXXX XXXX XXXX 's XX/XX/XXXX provision of this false bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Without consent.

15 U.S. Code 1681q - Obtaining information under false pretenses An action to enforce any liability created under this subchapter may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, not later than the earlier of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In accordance with the fair credit Reporting act Discover Bank partial account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 16666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hopefully this complaint isn't overkill. 

With XXXXovid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against XXXX, XXXX, and Trans Union. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than 7 years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX I sent validation letters requesting that the improper information be verified that is on my credit report. I got a letter back on all 3 attempts to get this corrected stating that the information had been verified. I asked by who and it was stated the courts. 

I then sent a letter that came from the court stating that the courts do not verify Bankruptcy information. 

PLEASE DELETE THIS ITEM FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

XXXX XXXX XXXX XXXX ( XXXX ) has reviewed the complaint filed by XXXX XXXX. Based on the content of the complaint, XXXX is unable to locate record of communication from the consumer. XXXX is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ). XXXX provides services to financial institutions and other businesses that have a permissible purpose under the FCRA. XXXX services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, XXXX abides by the requirements of the FCRA and any applicable state statutes. XXXX neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies. XXXX is not a collection agency and does not attempt to collect, negotiate or accept payment on behalf of its clients. XXXX clients, which consist mainly of financial institutions, regularly contribute information on closed checking and savings accounts, referred to as Reported Information. Reported information pertains to accounts reported for mishandling, closed for cause, and/or suspected fraud activity. XXXX current practice is to retain reported information on file for a period of XXXX years unless the source of the information requests its removal or XXXX becomes obligated to remove it under applicable law. The disputed items listed on the identity theft reports are not included in the consumer 's file at XXXX. If XXXX XXXX would like to obtain a current consumer disclosure report, a request may be submitted through the secure consumer portal at XXXX, by voice messaging at XXXX, or by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX, XXXX, MN XXXX. If XXXX XXXX disputes the accuracy or completeness of any information contained in their XXXX XXXX file, a dispute XXXX be submitted through the secure consumer portal at XXXX, by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX, XXXX, MN XXXX, or by calling XXXX and selecting disputes or the caller may select other options to be transferred to a representative. 

The fraud accounts are as follow XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed a dispute letter to TransUnion requesting an investigation into several inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. To facilitate verification of my identity and address, I included the following documents : a copy of my photo ID, a copy of my social security card, and a recent utility bill displaying my current address Despite providing all necessary documentation, I received a response from TransUnion dated XX/XX/2024, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response is entirely unfounded. I, as the consumer, sent the dispute directly to TransUnion and provided all necessary identification to verify my identity. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. By refusing to investigate my dispute, TransUnion is in blatant violation of the FCRA. 

According to the FCRA, TransUnion is legally required to conduct a reasonable investigation of disputed information upon receipt of a dispute from a consumer. By neglecting to perform this investigation, TransUnion has not only violated my consumer rights but also failed to fulfill its statutory obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

did not remove these fraudulent inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  XXXX XXXX Inquiry from JXX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

After viewing my report I am very upset that I have found fraudulent item in it. I was a victim of Identity Theft, someone has access to my credit and it ruing it by opening account that I have no knowledge.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized items the items was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

Today at XXXX XXXX I received a call from Sunrise Credit Services, with regards to an outstanding balance with XXXX XXXX XXXX that I am disputing. However the collector that contacted me only verified my name before releasing information about the debt, and only after releasing said information did he attempt to verify my identity by other than my first and last name.
Product: Debt collection

On XX/XX/2021, I sent Arcadia a letter asking them to validate a debt they are claiming I owe. I asked them to provide a breakdown of fees including any and all collection costs and medical charges. Also to provide a copy of my signature with the provider of service to release my medical information to them. They have responded on XX/XX/XXXX with just a summary of a bill showing charges I owe. They disregarded my request and kept sending the same paperwork. I have written to them twice in regards to this and they fail to respond properly. They have now stated that they will not respond to my disputes unless I have new information I need validated but they did not validate my letter the correct way.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX date opened XX/XX/2021 credit limit {$400.00} This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of the account or service rendered.
Product: Checking or savings account

Wells Fargo advertises early paycheck deposits ; however, they are not allowing customers to use the money when paychecks or Social Security checks are deposited early by the institutions sending the money. If the money is used prior to the actual pay date, Wells Fargo sends customers messages stating the account is overdrawn and money needs to be transferred from other accounts to cover the overdraft. This has happened to me several times. My paycheck is from XXXX and my Social Security check is from the SS Administration. Wells Fargo knows these funds are good yet they refuse to make deposits definite until later date.
Product: Credit card or prepaid card

I haven't received any money so far Can someone help me to get my credit card that has my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Experian to remove my credit freeze and to date they have not. Created an account on their website and it shows that their is no credit freeze. Applied for a credit card but was denied because they could not access my credit file on Experian.
Product: Checking or savings account

I couldnt open any bank account they said because of consumer report Im wondering whats wrong with my credit report and Im sure theres no debt in my credit report history as long I know I was clean and now i cant open bank account so please if can help to know whats going on with my identity I appreciate Thanks
Product: Credit reporting or other personal consumer reports

I requested for my information not to be reported and they stated that per signed agreement it has to be reported. By law i have to be offered a opt out. No such thing was offered nor explained. They repeatedly call and pop up to my house. Call others and give them my personal information pertaining to my loan. The person that comes to my house takes pictures of my residence. They also never gave me a proper notice before reporting on my credit as well! My loan got behind due to being XXXX with XXXX XXXX XXXX XXXX and my finances has changed.
Product: Student loan

I am a recent XXXX XXXX graduate and my loans have been an issue since I graduated. I had applied for consolidation and income based repayment upon graduation. Some of my loans were consolidated, and sent to Mohela. With recent rulings over the XXXX plan I was illegible to apply for the XXXX plan, but per the Federal Student Aid website I should have been placed into an interest free forbearance period by my servicer, Mohela. I have attempted to contact Mohela no less than XXXX times via telephone and over XXXX times via customer service requests to have this matter resolved. I have spoken with XXXX individuals when my calls were eventually returned and they both shared conflicting information about my loans and no action has been made to put my loans in interest free forbearance. Due to this, I have accrued thousands of dollars in interest due to their neglect. It is unreasonable, as this loan servicer is decided for the borrower without their approval, and there has been a known track record with Mohela for treating their customers incorrectly. 

I initially had a payment due on XX/XX/year> for over {$400.00}. I contacted Mohela and they said this was not appropriate and I would be in forbearance. This would be an interest free forbearance per the XXXX website. This did not happen however. 

I have still not been placed in the appropriate forbearance and have accrued XXXX in interest. This needs to be resolved by Mohela.