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

This complaint is NOT ABOUT A CREDITOR/VENDOR... IT IS ABOUT THE CFPB. 

As you are aware... I have submitted several complaints about improper/illegal use/entries and negative information being applied to my credit reports by certain " creditors '' ... 

The results of these complaints have been ... instead of you, the CFPB INVESTIGATING MY COMPLAINT... YOU SIMPLY HANDED OVER MY UPDATED PERSONAL INFORMATION, CONTACT PHONE NUMBER TO THE VERY COMPANIES WHO HAVE VIOLATED MY RIGHTS ... THEREBY ALLOWING THEM TO VIOLATE MY RIGHTS AGAIN BY CALLING ME AT MY HOME AT XXXX PM TO TRY COLLECT ON SO CALLED DEBTS FROM NEARLY SEVEN YEARS AGO. 

When I discovered the above, I called your organization to inquire about this and I was appalled ... when I asked the representative on the phone ... '' why didn't you investigate my claims? ... she stated ... '' WE ONLY ENFORCE THESE CREDIT LAWS IN SITUATIONS WHERE MANY COMPLAINTS ABOUT THE SAME VIOLATOR HAVE BEEN RECEIVED '' ... THEN, I ASKED THE REPRESENTATIVE... WHY DO YOU ALLOW THESE CREDITORS/VENDORS TO POLICE THEMSELVES? ... her response was... ( SILENCE ON THE LINE ) ... NO RESPONSE TO MY QUESTION. 

SO now I ask you, the CFPB, " WHY DID YOU VIOLATE MY PRIVACY BY ALLOWING THESE CREDITORS TO POLICE THEMSELVES? '' I WANT AN INVESTIGATION COMPLETED BY YOU, THE CFPB INTO MY FORMER COMPLAINTS AND A RESPONSE BY YOU, THE CFPB TO MY COMPLAINTS. 

I BELIEVE THAT YOU, THE CFPB HAVE VIOLATED MY RIGHTS UNDER THE FAIR CREDIT LAWS AND HAVE CERTAINLY VIOLATED MY TRUST IN YOUR ORGANIZATION... WHO IS SUPPOSED TO PROTECT MY RIGHTS. 

I await YOUR INVESTIGATION INTO MY FORMER COMPLAINTS ( WHICH YOU SIMPLY ALLOWED MY CREDITORS TO INVESTIGATE/POLICE THEMSELVES ) AND WRITTEN RESULTS OF SAME.
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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information ( inaccuracies ) was still found on my reports, which I believed has been taken care of due to the multiple written appeals I sent as well as phone calls made to XXXX. I often get dropped calls. No response was ever received from them to date. Thus, their action has violated the Privacy Act of 1974 and the Fair Credit Reporting Act as follows According to Internal Revenue Services a charge of is a cancellation of debt, certificate of indebtedness, and is reported as income. Income is not to be reported on credit reports but should be reported to the Internal Revenue Services.

16 USC 313.1, 16 CFR 31 After having opted out, my information has continued to be shared and posted on my report by these reporting agencies 15 USC 1681a ( d ) ( 2 ) ( i ) does NOT include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 USC 6802b, as I have informed the credit reporting agencies XXXX, XXXX AND XXXX that I have opted out with various companies to NOT share my information. 

15 U.S.C 1681 can not report inaccuracies and also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 1681b in accordance with the written instructions of the consumer, which has been provided to each financial institution and reporting agency 15 USC 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized.

The Privacy Act of 1974, 5 USC 552a, my privacy has been violated.

15 USC 1681s, 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. the information is, in fact, inaccurate.

The following items listed below are still reporting on my Credit Reports and need to delete and or updated immediately and indefinitely as follows
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus 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 alleged fraud or extortion. XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

my identity was used to open fraudulent accounts. Please remove this from my credit history. Thank you XXXX XX/XX/ {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I'm victim of identity theft, pursuant to section XXXX, you must remove the fraudulent accounts and inquiries reporting to my account. I'm suffering from punitive damages.
Product: Debt collection

On XX/XX/2008, a Parent Plus Loan was disbursed with me as the co-signer. The problem is that on that date I was a minor. I was only XXXX years old at the time and therefore I was legally unable to cosign the loan. My signature is of no value. It was the responsibility of Great Lakes to run my social security number and deny my co-signing before securing the loan. Not only is this unethical but it is illegal as well since minors can not legally cosign for loans. This was a mistake on behalf of Great Lakes and it needs to be corrected.
Product: Credit reporting or other personal consumer reports

There have been several inquiries added to my consumer account I do not recognize. Please remove as im not liable for. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXXXXXX XXXX about the negative and defaming information starting XX/XX/XXXX. I went to go get a loan from my local bank and I've been informed that I have bad credit and couldnt get it. I checked my report and seen that the XXXX XXXX account is reporting inaccuracies about me on my credit report. I am highly upset. 

If this account is going to remain on my credit report I challenge the accuracy and validity of your reporting company. 
( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

How could you guys be so careless when reporting this information about me this really hurt me and my business.

Show me the reasonable policies and procedures concerning the accuracy and integrity of furnished information of this account please.

And please have integrity about this account.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

On XX/XX/2020 I mailed a letter requesting that my debt with Transfinancial Companies be validated. I have no knowledge of this debt. I requested the following information to be provided on Company Letterhead.

1. A detailed and itemized statement of ALL activity to this account.

2. A contract bearing my signature that binds me to the debt.

3. The photo identification I must have provided at the time of starting services.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to attest to your compliance of the FCBA with this account. 
The creditor did not provide me with anything I requested but is considering the debt validated. They can not provide me proof that this is my debt. I am extremely frustrated. It is unfair that they can cause damage to my credit reputation but can not prove to the person they are damaging that the debt is in fact for them. I have attached the incompetent response from the creditor. What they are doing is illegal. They are not validating debts at all.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit, they did and stated everything was accurate. I did a thorough investigation myself and found improper inaccuracies on the credit report even after they did a thorough investigation. 


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

15 U.S.C 1681 Section 602 A. States that 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. 

I HAVE ATTACHED PICTURES AND SCREENSHOTS OF MULTIPLE INCONSISTANCYS REGARDING THESE ITEMS AND THE CREDIT BUREAUS STATEMENTS SAYING THEY HAVE VERIFIED WHICH THEY OBVIOUSLY DID NOT THESE ARE ALL INCONSISTENT. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

I applied for a loan online and several companies contacted me via telephone to do the loan process prior to XX/XX/XXXX. The company claiming to be XXXX XXXX XXXX  paid off XXXX of my credit cards in the sum of {$1100.00} stating they were doing so to make sure that I was responsible enough to repay them. They had me repay them by purchasing gift cards and sending the cards to them electronically. The payment of {$1100.00} is the only transfer of funds from them that hasnt been returned/refused/taken back. I was then approved for a loan and {$4600.00} was deposited into my account on XX/XX/2021. At that time I noticed funds were being transferred both in and out of my accounts. I applied for a second loan through a company claiming to be First Financial Bank, in the amount of {$5000.00}, then a deposit of {$4800.00} was put into my account on XX/XX/2021. The funds were made available by the bank after XXXX day, at which time I began using the funds. The next day, I was informed that there was a check from a law firm that had been altered. The company I applied for the loan online had access to my bank account and had me return funds to them saying this was the process to assure my bank account was good because it had reversals in it so some of these funds were returned to them saying this was the process for approval, once the check was cleared after XXXX  days by the bank, I was under the impression the loan was okay, but later found out that it wasnt and it was a scam. I then contacted my bank to try and find out what was going on to bring them to justice. 
Both Financial Institutions were out of Ohio, XXXX was claiming to be XXXX XXXX XXXX, the other was claiming to be First Financial Bank. If someone can contact me asap about this at XXXX thank you.
Product: Credit card

My credit card was stolen and used to purchase various goods that I did not authorize. Purchases took place on XX/XX/XXXX for {$470.00}, on XX/XX/XXXX for {$930.00}, and on XX/XX/XXXX for {$620.00}. As soon as I discovered the charges I called Bank of America to inform them of the stolen card and that these were not authorized charges. They opened up a claim, but eventually determined that I was responsible for these charges. I re-opened the claim multiple times including filing a police report on the matter and submitting it to them but they continue to attempt to hold me responsible for these stolen credit card charges despite continually advertising {$0.00} liability protection for this and all their credit cards. 

Not only are they false advertising, but they are attempting to make me pay for stolen card charges which is totally unacceptable. They will not allow me to speak with the person making this judgement to better understand the situation and won't provide me any information on specifically how this is my fault. I would never use Bank of America as your financial institution when they behave like this and abuse their customers. I hope this agency can direct BOA to rectify this matter.
Product: Debt collection

I have  XXXX  federal loans that have been closed for awhile but still on my credit report i have asked several times for these to be removed due to they are not mine mine are from depat of ed not   XXXX   XXXX   and three letter request and still they will not remove them i have asked for doucments proving they are mine and they send me nothing in return. this is hurting my score by having them on there and i have a consolidated loan so  having  XXXX  lo ans on my credit report when i only have one consolidated loan is not correct or appropriate.
Product: Debt collection

After my social security card was lost I had my identity stolen and a number of accounts were opened fraudulently. One of them is an account with XXXX. This debt has been purchased by Midland Credit Management. I do not know how much the debt is for the account was opened by someone else and this is a case of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IN NOT A DUPLICATE COMPLAINT AND THIS IS THE ACTUAL CONSUMER XXXX XXXX. 
Account in question has been deleted by XXXX  because in it unverified and invalid. 
I intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite several written requests, the unverified and invalid item listed below still remains on my credit report in violation of Federal Law.

Credit Reporting Agencies are required under the FCRA to have a copy of the origi
nal creditors documentation on file to verify that this information is mine and is correct. 
In the results of your XXXX  's investigation and subsequent reinvestigation XXXX  stated in writing they verified that these items are being reported correctly? However they have refused to provide information on who Who verified this accounts? XXXX  has refused to provide me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore XXXX  has failed to provide the method of verification and validation as required under Section 611 ( a ) ( 7 ).

under Section 611 ( 5 ) ( A ) of the FCRA Credit Reporting agencies are required to promptly DELETE all information which can not be verified. 

This account has been previously deleted from my credit report and rereported. 

This account has been deleted by XXXX from my consumer credit report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX {$430.00} XXXX attached are copies of both my transunion and XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion be advised that there has been a mistake and misunderstanding concerning the XXXX XXXX  Account # XXXX. This XXXX XXXX  is not in a Bankruptcy and never was put in a Bankruptcy. The pay Status showing this account to be included in a Bankruptcy is inaccurate reporting, please update and remove the Bankruptcy Status. As far as the 3 late payments that were showing on my XXXX XXXX  Account, I have contacted XXXX XXXX, and they will be sending you notification that those 3 late payments are inaccurate.
Product: Debt collection

Hi, My name is XXXX XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because XXXX XXXX, has violated several consumer protection laws. I, XXXX XXXX XXXX, Consumer, am hereby placing XXXX XXXX, on a Cease and Desist Order. XXXX XXXX, is not allowed to transfer the title of the XXXX XXXX to any other person or entity. XXXX XXXX, is not able to close the credit account of XXXX XXXX XXXX, Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Veros Credit put a illegal repo on my car with {$1000.00}