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

In Accordance to 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 XXXX # XXXX XXXX XXXX  # XXXX. XXXX # XXXX XXXX XXXX  # XXXX. XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX  # XXXX. XXXX  # XXXX. XXXX XXXX # XXXX I looked at my Experian, XXXX and XXXX report on XX/XX/2024 and notice something are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

Resourses
Product: Credit reporting, credit repair services, or other personal consumer reports

After Equifax compromised 143 million American 's personal information and made them extremely vulnerable to identity theft, and then making the security monitoring offer available only by going onto a 3rd party website to again enter your social security number into cyberspace, making you at risk a second time ... .now they have sent a letter ( dated XX/XX/XXXX ) stating that the consumer can turn on, turn off temporarily, turn back on temporarily or turn off permanently, the security freeze in order to be able to get a loan for a car, home, new credit card, etc but they have to pay Equifax {$10.00} for the privilege!! Are you kidding me?? Even if each consumer does it twice, {$20.00} x 143 million is {>= $1,000,000}!!!  It makes one wonder if they conspired with the hackers to get this done to increase their cash flow!! What the XXXX is the government doing to help people with this???? This is my second complaint. The first one just directed me back to Equifax for more abuse. Then I contacted the Ombudsman who has ignored me for 2 weeks now. I thought this Bureau was suppose dot help consumers, not be complicit w/ organized crime! PLEASE HAVE THE OMBUDSMAN CALL ME! I WILLBE CONTACTING MY SENATOR IN THE MEANTIME!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX  Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my credit report that I have not applied for
Product: Debt collection

Repeatedly I have tried to gain information regarding a debt from Credence Resource Management LLC, that is on my credit report. Instead of providing the details they insist they have no record of this debt and need more information. I responded saying if they need any information they can contact me BY US MAIL ONLY with the address I provided. Instead of doing such they repeatedly spam my email with the same email and do not listen to my request nor have given me any of the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again XXXX XXXX XXXX is associated with a fraudulent account that is legally putting a collection in my public file with out my written consent with transunion., when this account has been report several times as fraudulent .which transunion has allow these violation when a valid police report has been sent to them, vaild drivers license that has been sent to them to identity me and my current address has been sent to them as well. With all valid documentation to remove this matter, I have suffer damage to my credit report due to this matter by transunion knowing this company is clearly in violation they have expired the XXXX  day window period by not providing any proof of this debt what so ever they have not provide no verification of debt or information of source where they got this information from to proof Im the person liable of this debt. 

Transunion is in violation of 15 U.S.C. 1681 C-2 15 U.S.C. 1681 e section b 15 U.S.C. 1681 c ( a ) section 5 states any other adverse items of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

Transunion has violated my rights under 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. 

XXXX XXXX XXXX is in violation of 15 U.S.C 1681 C-2 15 U.S.C. 1681 g section a ( 1 ) and b 15 U.S.C. 1692 a 15 U.S.C. 1692 b2 15 U.S.C. 1692 d 2
Product: Bank account or service

i went to go cash a check and it was not authorize and i did not know why the cashier gave me a receipt sayin i had to contact CERTEGY CHECK so i did they and sent a letter Sayin no information on file
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted LexisNexis and requested to access my report. Instead of allowing me to access my account online, i received a email stating they would mail the information to me. On XX/XX/year>, I received a letter in the mail that contained XXXX useful information. Nothing requested was in the letter. Instead Lexisnexis provided a " XXXX time '' use URL along with a PIN number with instruction on how to access my report online. 

However, in the printed letter, the link i received is purple in XXXX, which indicates the link has already been clicked and used versus a blue link, which would indicate the link has not yet been accessed or used. At any rate, i log on to lexisnexis and attempt to access my account / credit report with the information provided, which gives an error that the pin number is not valid. 

For going on XXXX weeks now, i have been wrestling with this company to access my account. At every step of the way, they have done their best to stop me or discourage me from accessing my information. My wife who has also requested her information with lexisnexis is also having the same issues. The company stonewalls customers and does everything in their power to make it as hard as possible for customers to access their reports. 

So far, they have not provided me with any of the information below they are obligated to. I want access to my information. 

The company will provide XXXX free report every 12 months if you request it. 
The company will freeze your consumer report if you request it. 
Requesting copies of your own consumer reports does not hurt your credit scores. 
For companies required to provide the information in your report for free annually upon request, they must do so within XXXX days of receiving your request.
Product: Consumer Loan

I did not realize I was late on a payment to Capital One/Neiman Marcus - and they finally called me to inform me. I paid the account in full on during the call. They said there would be no negative credit bureau action. 

But a few months later, they did mark my credit report with a late payment. 

I called XXXX customer service to inform them they went back on their promise ( if I paid in full, no negative mark ). 

Because of that second phone call, they marked my credit report with " dispute. '' That is now a problem with my mortgage lender. 

How is it that if a consumer just makes a phone call to check what happened - their credit report is marked as an official " dispute ''? And that " dispute '' is seen as a bad thing, with the consumer assumed guilty? 

How am I to exercise my rights, if by just asking a question, I am penalized on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : Account number:XXXX  Your NAME : XXXX XXXX Your addressXXXX XXXX XXXX XXXX Pa XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to thiS matter
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  7 ) XXXX XXXX
Product: Debt collection

I was stayed in XXXX XXXX XXXX for almost like one year , i got another job offer in other place, then i told to XXXX XXXX that i will move to XXXX XXXX , not to break the lease they said yes. then later we moved to another property near my job location and XXXX XXXX called me threatned me discriimated by saying that i will face so many problems in new place, i have that phone recording too. i am staying with my wife and XXXX year old son, potentially they are tried to scare me and they shown hated crime . i said i am not supposed to pay anything. XXXX XXXX  did some polictics because we left the new place with in one month we lost almost like XXXX$ advances and transporation. and then we took another apartment which reuquire to pay more advance and monthly rent . and then i received an email and a call from XXXX XXXX - XXXX XXXX saying that i need to pay XXXX$ to XXXX XXXX , they posted a collection debt on my credit report , they are potentially threatning me and showing XXXX  crime.
Product: Credit reporting or other personal consumer reports

My disputes were not properly investigated and the FCRA was violated in during these improper investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$670.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ;
Product: Checking or savings account

On XX/XX/year> : Informed over phone Marcus by Goldman Sachs Bank of 14 unauthorized withdrawals. Marcus support person told me that somehow my account has become a Joint account holder and that the name of the joint account holder is my own name! Marcus website does not even have an option for me to add someone as a Joint account holder in the first place. So, I wrote a letter to Marcus asking for complete details of this joint account holder and how come I was never asked to give my consent in the first place. Four months have passed and after multiple letters to Marcus, they have failed to respond. Marcus gave me credit for 11 of the 14 withdrawals but denied 3 stating they were legitimate! The total amount of these 3 withdrawals is {$25000.00}. Not only that whatever little communication I received from Marcus via letters- they do not even sign that letter, the letter has no name/designation of the person sending the letter.

I want Marcus to credit me for these 3 withdrawals, plus interest plus appropriate damages. 

My case # is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2. States A consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan servicer XXXX, and credit bureau Equifax has reported 120 day late payments for XXXX, XXXX, and XXXX, XXXX when I have not had any late payments with XXXX since XXXX. XXXX is no longer the servicer of my student loans, and has NOT been since XXXX when XXXX took over as the Servicer for ALL loans from XXXX. The loans are reporting late with a {$0.00} balance. 

I have called XXXX several times, and they have told me that they are currently NOT the servicer of my loans, and they are NOT reporting for delinquent loans for XXXX. And to contact Equifax, because Equifax is doing the misreporting. 

I have called Equifax, and have disputed the incorrect late payments with Equifax, but they are stating XXXX is the one 's reporting this information inaccurately. I have spoken with several reps including Supervisors. The supervisor told me to send in documentation from XXXX confirming they are the current servicer of my loans, and that I have no late payments. Once I did, Equifax would not honor it. 

XXXX is the only servicer of my student loans, as evidenced with the department of Education. The late student loan payments reflecting in XXXX needs to be removed from my credit report, as they are false information. 

I am at the mercy of these 2 companies who refuse to help get this matter resolved. This is illegal, abusive, and an unfair practice that is causing detriment to my family, and myself. I am unable to get into a home with the negative inaccurate reporting which could lead to my family and I being homeless. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Product: Vehicle loan or lease

I presented payment via mail XXXX XXXX XXXX XXXX XXXX. I performed my obligation. I requested a billing error dispute to update and correctly credited the account. I filed XXXX to the IRS and XXXX XXXX notice concerning fiduciary relationship to the company, to the CEO and indentured trustee to perform their duties pursuant to the indentured agreement that is on file with the SEC. The letter of instruction has been sent to instruct the trustees over my account. The trustees have the authority over my account. I request that the customer support department and compliance department be on notice that the trustees will perform their duties for my account. The company has adversely affected my credit report by inaccurately reporting. The company has not updated the accounting to credit my account properly and have it reflected to the credit report agencies.
Product: Credit reporting or other personal consumer reports

I recently investigated my credit report and there happens be items on the report that are inaccurate.

15 U.S.C 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I contacted Unifund XXXX also that day the guy states they would never talk to you like that but I noticed the number it was someone from their office as well that I contacted office on XX/XX/year> and asked question and person listed above made verbal threats and verbally assulted me for no apparent reason. I did call back and tell " office manager " and she sated lines are recorded. I did reach out to lawyer and XXXX XXXX
Product: Checking or savings account

Refuses to send updated account information to my account management services daily. Allowed to verify account but doesnt update.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00}.