23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

CHAMPION MORTGAGE Company keep sending me FRUGLANT Bill that is not Allowed on my Mortgage Note and is Threatening to Default the Mortgage Note.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personally identifiable information was compromised by the recent Equifax data security breach.
Product: Credit reporting or other personal consumer reports

Dear Experian : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number ( *** XXXX ). An personal loan opened at XXXX XXXX XXXX  XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXX XXXX XXXX XXXX  number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Product: Debt collection

Midwest Recovery Systems keeps calling me ( over 10 times now ), leaving me voicemails stating this is an attempt to collect a debt, to call ( XXXX ) XXXX. 
I return the call every time and speak to a different agent. Every agent asks for my phone number which I provide the same one every time. They look it up then inform me they can't find my information in their system, sometimes questioning me if I'm providing the right number. I inform them I keep getting calls & they need to stop disrupting me at my job & residence. The issue is still not resolved.
Product: Credit reporting 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 XXXX XXXX has violated my rights.

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.

15 U.S.C. 1681B ( 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: Debt collection

A while back, I was thinking about switching from  XXXX   XXXX  to   XXXX   XXXX  . I ordered the   XXXX   XXXX   package but sent it back withi n 3 day s and told them why I sent it back ( I could n't set it up and  XXXX  would not send a technician out to set it up ).  XXXX  even represented that I had every option to cancel within  3  days. That 's exactly what I did. I sent them repeated notes telling them that I owe them nothing because they did n't provide any service and I canceled in time. Since then,  XXXX  has hired  1 debt co llection agency after another, and each time I tell the debt collector that this is a complete fraud. Yet, they persist. As of  XXXX     2017, this is  th e 3rd  debt collection agency attempting to assist  XXXX  in trying to rip me off.
Product: Credit reporting or other personal consumer reports

Victim of identity theft my information such as social dob and identification has been compromised upon requesting reports from my credit there are XXXX XXXX XXXX Original creditor XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX Original creditor XXXX XXXX {$560.00} XXXX XXXX XXXX Original creditor XXXX XXXX {$210.00}
Product: Money transfer, virtual currency, or money service

I have been defrauded by an individual using a Wells Fargo account. I wired {$22000.00} to this account to purchase a XXXX backhoe and the backhoe was never delivered. This transaction was initiated in XXXX of XXXX  and nothing has been resolved and I am still seeing the same advertisement on XXXX. There are multiple people that have been scammed by this individual or group. Please help catch this person or group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting late payments on two of my student loans in 2019 during the COVID-19 Pandemic. I applied for a deferment. However, the deferment has not been applied to the months reporting as late. I am on an XXXX XXXX XXXX plan. My current payments are {$0.00} per month. When disputed with the credit bureaus XXXX has confirmed the reporting and has updated my account as " In Deferment '' though at least one account appears to be incurring interest while in this status. Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several factual disputes regarding an account that is appearing on my credit report, and have not receiving documentation that was requested showing a contract between myself and XXXX XXXX XXXX  from neither XXXX or TransUnion. This account has been deleted off my XXXX Credit Report and I believe that both XXXX   and TransUnion should remove it as well because I have not received documentation that was requested showing that there was a contract.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This account dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Nationwide Credit & Collection Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 )
Product: Debt collection

RPM offered me a 75 % payment of a debt and they settle as paid and would notify the credit agencies there was no longer a debt. I agreed with them and paid them the 75 %. They then reported to the credit agencies that there was still a balance. I contacted them many times and they said they would take care of it but they just keep lying to me and nothing is being done. The whole conversation was recorded by them, the settlement offer and the taking of my credit card number. I believe this is an unacceptable bussinees practice
Product: Debt collection

1006.34 Notice for validation of debts Did not receive notices and do not know of these alleged debts ( a ) Validation information required.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.

*disputing the alleged debt*
Product: Credit reporting, credit repair services, or other personal consumer reports

In file number XXXX the company agreed not to contact me with offers in the future. I received another letter from them for the same issue.
Product: Credit reporting or other personal consumer reports

ACCOUNT XXXX XXXXXXXX Whats up Just wan na let you know XXXX XXXX that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT XXXX XXXXXXXX plus other accounts you saying I'm oweing.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times have I told you that these Items are in litigation? Please delete these Items XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX as they are Fraudulent.
Product: Debt collection

This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority.
Product: Student loan

Dates will be a problem but until I was able check the box allowing the lender to access my income tax info I had many problems getting my new deferral or income based repayment. Any forms or pay stubs were submitted at least 3 times with associated heated exchanges by phone. I started calling Sallie Mae my loan shark and telling friends they would send goons to break my knee caps as a way to deal with the annual and prolonged stress. I dont like to be forced to let a faceless company have access to my private info but the stress was giving me XXXX. So I will persist allowing this invasion of my privacy as the lesser of 2 evils. Sallie Mae was evil and so is Navient.
Product: Debt collection

On XX/XX/XXXX, I filed a CFPB complaint ( # XXXX ) citing inaccurate credit reporting by Synchrony Bank relating to a charged-off XXXX credit card in the amount of {$2100.00}, which was continuing to be reported on my XXXX  credit report despite the company stating they had discontinued reporting in XXXX. Additionally the company refused to accept payment when contacted, stating that because the debt was discharged via IRS Form 1099, they could not accept payment. 

In the company 's response, authored by XXXX XXXX on XX/XX/XXXX, the company stated that they would forward an Universal Data Form ( AUD # XXXX ) to correct XXXX  's information. Further, Ms. XXXX stated that the company would accept payment on the debt, " ... payments may be submitted to the payment address on the billing statements you referenced even after the statute of limitations has been reached on an account. '' On XX/XX/XXXX I attempted to make payment to Synchrony, contacting their customer service line. Both the primary calltaker, and her supervisor refused to accept payment on the account. Immediately after speaking with them I contacted Ms. XXXX and left a voicemail requesting assistance. I received no callback. 

On XX/XX/XXXX, I made a full payment of {$2100.00} ( Confirmation XXXX with XXXX XXXX ) on the account using my bank 's Bill Pay system. I believed this would force Synchrony to process a payment in accordance with Ms. XXXX ' statements in the company response. 

On XX/XX/XXXX, I again attempted to contact Ms. XXXX relating to getting assistance addressing the account, now that the payment had posted, leaving another message. I again received no callback. 

On XX/XX/XXXX, after not receiving contact from Ms. XXXX I filed an appealed dispute with XXXX citing the payment and requesting Synchrony provide clarification to Experian that the account is now paid. I also requested the consumer challenge on the account be removed. On XX/XX/XXXX, I received the dispute results in which the consumer challenge remained attached, and the account was again reported as Charged-Off with derogatory impact on my credit score.

I again attempted to contact Ms. XXXX regarding the account, and received her voicemail. In the voicemail I stated this was the 3rd attempt to contact her regarding the account this month, and failure to return my call by close of business would result in a CFPB complaint filed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but XXXX XXXX this account is fully paid-off and balance on it should be {$00.00}
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on report in XXXX of 2024. No full investigation was made. I do not have any business or contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized/ unverifiable hard inquiries that Ive been disputing since they appeared on my account. Some have been reported to my XXXX  as well. With documentation they have been removed. Ive went through every single channel and outlet and equifax is making it impossible to remove these inaccurate information. Ive contacted each and every single creditor to these account and they havent and been unable to verify these inaccuracy. My credit rights are being violated and Im making a formal complaint. 

These are the hard inquiry that needs to be removed immediately because its making it hard for me to obtain anything credit related XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Debt collection

On XX/XX/23 I contacted XXXX XXXX XXXX XXXX which is the original creditor. I never had a policy with this company. 
I contacted them, they could not provide a account number or any additional information about this account. 
I tried to provide my social security number the company stated they wouldnt have my social security number. I provided my Drivers license and XXXX XXXX XXXX XXXX  said they couldnt locate a file with my information
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold to XXXX XXXX XXXXr at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX XXXX  Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of XXXX delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.
Product: Credit card or prepaid card

I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BRCLYSBANKDE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off a personal loan with HTLF Bank in full and on time in XX/XX/year>. HTLF Bank correctly reported that loan as paid in full to XXXX and XXXX but did not do so to XXXX. As of today, the loan at XXXX is showing as open and with XXXX payment still needing to be made. I reached out to HTLF Bank on XX/XX/year> regarding this matter via Secure Message. I received a response that my request had been forwarded to the loan XXXX on XX/XX/year>. As of today, no action to rectify the matter has been taken by the bank.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Money transfer, virtual currency, or money service

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

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023 Experian requested a copy of my address and government ID. Due to send my information by email Experian denies receiving mail consistently. I have submitted my information as proof. My complaint into Reference number XXXX THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C 16811 ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 1. 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 U.S.C 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I WILL FILE THIS AS FRAUDULENT WITHOUT KNOWLEDGE OR CONSENT.