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 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, 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 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, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the Experian Credit Bureau and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX**** Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, I have tried contacting XXXX and Trans Union and XXXX regarding my name on my credit report. 

Only XXXX has changed the Wrong information and put in the Correct, please check. 

I showed proof To XXXX and Trans Union of my Social Security number and Drivers License that both state my correct name and no other which is XXXX XXXX XXXX. XXXX has not changed my name with 2 Main Government Identifications. There Seems to be names on my consumer report that are wrong, these names are : WRONG NAMES : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... ..ALL these Names are INCORRECT AND NOT MY NAME, THERE IS SOMETHING TOTALLY WRONG WITH MY REPORT. 

WRONG ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are incorrect and not mine. 

CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for Several Years now. 

CORRECT NAME AND ONLY NAME : XXXX XXXX XXXX My Only Employment is : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " I have worked here for over XXXX, I do not work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other Job. 

My Correct Information for my Consumer Report should be : Only Name : XXXX XXXX XXXX Only SS # : XXXX Only Birth Date : XXXX Only Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Only Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have Attached Correct Documentation Proving Who I am. Please have this corrected for it is totally incorrect, I should only have 1 name and address etc which is Mine. All this wrong information is hurting me in tryin to buy a home for my family. 

Also I noticed on my credit report that someone Authorized a Personal Statement of Fraud. I have never gave this permission. Please remove that statement. 

Thank You Guys for your help XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX  ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting

I have filed around XXXX disputes with equifax trying to get everything updated. They had my birthdate wrong ; that is finally corrected, they did n't have my employer listed- that is finally corrected. They do n't show any of my history of payments. I am uploading to you what I have already uploaded to them. They have my other names listed but they have tried to run my social to update my records to show my credit history. What do I need to do to have this done. XXXX is reporting everything for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Renew Financial Group LLC several times to discuss an unauthorized pace loan that was made to my property taxes. I never given anyone permission to take a loan of some sort out under my name or attached to my property taxes. Renew Financial has continued to drop the ball and my various complaints have fell on deaf ears. If this matter isn't corrected I will begin to take legal action against Renew Financial. This is clearly ID Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with XXXX  where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. XXXX  is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my car a year or XXXX ago thru XXXX XXXX XXXX, and as i went to possibly trade in my car today i was informed that XXXX has not ever reported my monthly car note payments to the credit bureau XXXX XXXX can go towards my credit. It just shows they paid off the previous loan with XXXX, and then that i have closed accounts. Is that even legal to not report a customers payments??? It sounds like an under the table scam from my car loan company
Product: Debt collection

Eastern Account Systems claims that I owe them money as a debt collector for XXXX XXXX Previously I had an account with XXXX XXXX the pay-off amount for my account with XXXX  was {$370.00}. That account was paid in FULL Friday, XX/XX/2022. ON that same day I contacted Eastern Account Systems and informed them that this account was paid in full and that I needed that noted. I spoke with a representative for them by the name of XXXX XXXX, she asked me to email her receipt of that payment and she would take care of it. I emailed her while we were on the phone and apparently, she didn't take care of it. Eastern Account Systems still has me owing them this debt. How? I have the paperwork attached to prove it, an official receipt from XXXX.
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 Account number:XXXX  Account name : XXXX  Account XXXX Account name : XXXX  Account number : has violated my rights. Or list of inquiries 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

Information on my credit report fr

om all 3 agencies is incorrect. Your roll is to report all correct and accurate information. Things that is incorrect and invalid. Date opened High credit Credit limit Last report
ed Date last active Date of last payment All 3 credit reporting agencies are posting different payment history. Not acceptable!
Product: Debt collection

Referenced accounts USAA SVG BK XXXX 16 CFR 313.4 -- Initial privacy notice to consumers required ( 2 ) A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15. " I was not given an option to Opt-out '' 15 U.S. Code 1681a - Definitions ; rules of construction ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( or similar device covers everything ) 28 U.S. Code 1746 - Unsworn declarations under penalty of perjury I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/2023. 
XXXX XXXX.
Product: Debt collection

XXXX XXXX Card Date Opened : XX/XX/XXXX Amount {$10000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount {$1200.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$5100.00} Discover Date Opened : XX/XX/XXXX Amount {$3700.00} The transactions on these accounts were not initiated by me, and I did not authorize any of them. After discovering these fraudulent charges, I immediately reported the issue to the respective companies and have taken steps to protect my identity. 

Actions Taken : I filed a report with the Federal Trade Commission ( FTC ) to report the breach and unauthorized transactions. 
I am working to resolve this issue and protect my financial security.
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent information to my report. Company is in direct violation of USC 1680. Company is also in direct violation of 15 USC 1605. We will seek legal action if not resolved. 

Acct XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX Balance {$5000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$5000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) You have 100 % left to pay on this student loan. 

US DEPT OF EDUCATION Balance {$6900.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX DEPT OF EDUCATION Balance {$6800.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$11000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$4500.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$5700.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$5700.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$5100.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) US DEPT OF EDUCATION Balance {$7000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX DEPT OF EDUCATION Balance {$8200.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX  Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) DEPT OF ED/XXXX Balance {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX {$750.00} Balance {$750.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) XXXX XXXX Balance {$250.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX Balance {$3500.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$260.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$310.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos )
Product: Payday loan, title loan, or personal loan

Universal Account Servicing , LLC has stated that i owe them an alleged debt but I have never applied for any loan with them or signed a contract with them for a loan. I have written to Universal Account Servicing , LLC asking them to provide documentation showing that I have a contract with them for a alleged debt, which they have not provided me, and for them cease and desist but they continue to ignore me. See attached.
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. 1681XXXX 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 XXXX evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, 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 XXXX 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 : XXXXXXXX XXXX XXXX Account Number : Account Number : XXXXXXXX XXXX XXXX  Account Number : Account Number : XXXX XXXX  Account Number : Account Number : XXXX XXXX XXXX XXXX Account Number : Account Number : XXXX
Product: Money transfer, virtual currency, or money service

My venmo account was frozen, I've had venmo for years, I've already been verified, and for no explanation my account has been frozen. I've sent in my driver 's license as they asked for and I even sent in my social security number ( copy of my card ) just in case. Sat on hold with a supervisor over an hour was told the department that handles frozen accounts can only be reached by email. After one hour in hold the " supervisor " returns to they have got your requested identification, and are working on it and you should get an email when is taken care of, tonight. Yet I get nothing. My accounts frozen they will not transfer my money to my bank, just froze my funds? They are not the federal government! How can they do this and just keep my money? I've did some research and found I'm not the only person they are or have done this to. Please help. They are getting away with other people 's money who need it. Or just holding on to others money for awhile to earn interest on it and calling the money frozen in the rightful owners accounts?! Please investigate this.
Product: Mortgage

I entered into a Special Covid 19 Forbearance in XX/XX/XXXX. I was approved and granted the forbearance. I extended my forbearance XX/XX/XXXX as indicated by XXXX/Cardinal Financial to do- it ws extended. I called on XX/XX/XXXX to extend again and spoke to an agent named XXXX who advised under FHA I have 12 month eligible to extend and I was granted the extension. I started receiving email and mail correspondence in XXXX stating due to no contact with the lender I was kicked out of my Forbearance. I immediately called XXXX/Cardinal and requested my call on XX/XX/XXXX be reviewed and listened to and explained I did call to extend. They then told me I was not in Forbearance and I needed to apply and fill out the Loss Mitigation package. I did as they requested and received a " complete package received, loan is in review letter '' on XX/XX/XXXX. In my loss mit package I was asked to fill out an affidavit and I indicated I should have never been kicked out of forbearance and again asked for a supervisor to call me and review the call on XX/XX/XXXX. I continued to call 8 more times over the last few weeks asking why a supervisor or SPOC agent has not called me and the reply is they don't know all they can do it put in a request to the supervisor or team lead as the agent and refuse to escalate me to a manager right then and there. I have emailed the XXXX 3x and have asked for a supervisor to call me and the SPOC agent to call me, not one call from any one at XXXXCardinal has been placed to me in regards to this issue. I would like a supervisor to call me and a resolution to this matter so my home does not go into foreclosure status.