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

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I was reviewing my Credit Report and noticed some accounts were violating my rights in accordance with the Fair Credit Reporting Act XXXX. All of these accounts below have violated my rights under 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. 

1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Experian has XXXX/XXXX XXXX XXXX XXXX on a Your Accounts that may be considered negative. 

XXXX XXXX XXXX XXXX 3 Different Loans XXXX/XXXX  XXXX XXXX XXXX Transferred the loan. I did not request nor have nothing to do with the transfer or the sale of the Student Loan. 

All my student loans was deferred so how or why does Experian have them showing late. 

Your accounts that may be considered negative by Experian has issues for the time that they have that goes good as I see 8 years as By XX/XX/XXXX 2023 this account is Scheduled to go positive status. so how is it that it takes 8 to 9 years on some accounts if your paying on time to go Positive and for the past 2 years its been paid It seems Experian just create things on credit files and incorrect information they gather and it makes no sense as I look at my report it takes or the wording that Experian uses to create may be considered negative that 's very vague with one way or the other.
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 I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.
Product: Credit reporting or other personal consumer reports

Applied for loan on XX/XX/2023 but was unaware that the inquiry didnt accompany approval because I was already approved for XXXX post submitting ssn but was left pending for docs that werent specified beforehand so i contacted supervisor XXXX and said Id like to rescind my application if I can have it sent over with the necessary rescission disclosures as non were provided nor discussed at time of applying. I will be notifying the IRS for tax purposes upon the event that the application can not be returned to the beneficial owner of all titles, rights, and interest that came as profit out of the transaction in the form of credits or federal reserve notes I demand it all returned as it is unearned interest due back to the principal IMMEDIATELY. I have proof that a transaction occurred per my consumer report so I will also be forwarding this correspondence to the CFPB, FTC, and SEC in the event we can not reach an amicable resolution. I only Will correspond via email or us postal service certified mail when addressing this matter so that I have record of me coming with clean hands and in good faith in the even of your company defaulting or acquiescing. Application can be mailed to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX if no application arrives within ( 5 ) days you tacitly agree to a near future lawsuit as me being the awarded plaintiff for whatever damages the law provides as well as an and out of court separate settlement due immediately in the amount on the face of the instrument times 3 in the form of a wire transfer. And the company that ran my report was not the company that I was in negotiations with and they forwarded over all of my property which 15 usc 1681 states the consumer has the right to privacy. Informed supervisor XXXX that all correspondence will be forwarded to the proper authorities for paper trail to legal actions because now it has become theft because they wont return the property or return the proceeds from The transaction per 12 usc 412. No lawful consideration was performed on behalf of speedy cash which tried to convince me that my application was still in review after my credit was already strong-armed and secured.
Product: Credit card

Sears corp has not forwarded to me an invoice since XXXX 2015. I spoke to an agent who forwarded my complaint to Sears corp and citi bank regarding the same subject matter and nothing has been accomplished since my complaint was filed 90 days ago I am requesting my reference number for that complain My e-mail account is XXXXXXXXXXXX. you have 7 days to submit this request
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). Please remove these inaccuracies from my consumer report immediately.
Product: Debt collection

Consumer collection management is reporting as of XX/XX/XXXX that I owe original creditor XXXX XXXX XXXX XXXX  {$2000.00} I have not received any written notices from either XXXX XXXX XXXX nor Consumer Collection Management nor any phone calls about this supposed debt while living at XXXX XXXX XXXX  I was verbally threatened by the property manager that she would have me evicted if i miss my rent payment by one day I received multiple written notices on my door on XX/XX/XXXX stating I had 3 days to pay my rent or legal action would be taken against me and I had reported to the property manager I had just lost my job due to Covid and the state of Indiana was working on helping me pay it till I was cleared to go back work but was told if I didnt have the money within 24 hours the sheriffs department will be serving me with an eviction notice that she had filed the same day I called to report that the date was going to assist in paying the rent while I was in the hospital after talking to the property manager my father went up to my apartment to find that the door lock had been broken and all my stuff piled in the living room of the apartment when I called about the incedent the property manager refused to take my call the next day my father went back up there and stuff that had been piled in the living room was found in the dumpster out front of the building so he took what was left back to his house and once I was released from the hospital my door locks had been changed and the property manager still refused to answer my call on XX/XX/XXXX I need to know if there is any help for me I cant get thru to village green apartments nor consumer collection management to find out what the debt is from because my rent was only {$750.00} a month
Product: Debt collection

I've continue tried working Experian to remove XXXX XXXX off of my credit file because it doesn't belong to me. But they continue to update instead of removing. I have no knowledge of this account on what Experian is reporting to me. I dispute the items and it updated within a day or two showing that they are taking it in their own hands updating the account. I ask for verification such as ID or signature for proof and verification. I get not result. I complain of there reporting schemes. What do I do when this company keep reporting false information about me? Please help resolve this issue. Did dispute XX/XX/20 results came back XXXX/XXXX/20 no changes or removal of false information.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX asking all 3 data collectors XXXX, Equifax, and XXXX advising that there were many accounts showing errors and inaccurate information on my reports. I provided specifics and in return, I was sent an updated copy of my credit reports just saying verified, but no validation was sent showing how they verified. No contract for me to verify if it's my signature or not. This is not the correct way to do this validation on account of the FDRCA. I was to be sent a copy of the original contract showing my signature. I have also sent another letter to all 3 bureaus today XX/XX/XXXX addressing the same things.
Product: Debt collection

Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION XXXX To Whom it may Concern : This is a complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXXXXXX XXXX Balance {$5500.00} XXXX XXXX Balance {$430.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX  XXXX XXXX on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXXXXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX CO Inquired on XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute the bankruptcy that is showing on my credit report. I attempted to asked them how did they get permission? According to USC 1681 c ( a ) 1, states that credit reporting agencies are not to show a bankruptcies on a person 's personal credit report. There are tons of inquiries that I have requested to be removed as well, but they sent me a document stating that its accurate. HOW? They have not sent me anything to validate any of those inquiries.
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 : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX has violated my right, And lists of unauthorized 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: Mortgage

Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX I made 4 Request for Specialized Loan Servicing to : Return HAF Documentation for Application # XXXX for Texas XXXX XXXX XXXX XXXX Program so the State can make the past due payments RE : Loan No : XXXX The Texas XXXX XXXX XXXX team sent you the XXXX Form and requested information on about XX/XX/, 2022. 

I have also called over four times and sent several letters and email XXXX return the documents back to them. 

On or about XX/XX/XXXX, I called and the Customer Service Rep said I should check back within a few days. 

I called again, today, XX/XX/, 2022 and I am following up in writing. 

Please be advised that I am getting assistance from The Texas XXXX XXXX  XXXX team to pay past due balance that is XXXX says is delinquent. 

Send information to The Texas XXXX XXXX XXXX team so that they can process application and send you the funds directly. 

By and through this correspondence, return the XXXX documentation to the Texas XXXXXXXX XXXX XXXX by expediting application so payment can be released to XXXX. 

Thank you. 

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

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX charge off XXXX and XXXX dollar should not be on my credit There are 14 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied XXXX XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my report ...
Product: Debt collection

American Express stated they sold my debt to XXXX XXXX XXXX. I requested a XXXX C form but have not received it
Product: Debt collection

I was checking my credit through XXXX XXXX and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is XXXX XXXX XXXX. I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where 2 accounts one was for XXXX dollars and the other was for XXXX dollars. I 've sent direct disputes on XXXX and XXXX. I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

random inquires that have just been popping up when i have no business or account with these companies XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX transunion inquiries XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 a XXXX  transaction took place without my authorization someone stole my password an made an unauthorized transaction
Product: Credit reporting or other personal consumer reports

I search the XXXX data breach website and my worst fears was confirmed it identified that my information had in fact feel into the wrong hands. I will upload proof below. 

This debt furnisher/collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts 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 made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Vehicle loan or lease

Capital One : 3 accounts- 2 credit cards and 1 auto loan. 
They call everyday, incessantly. 
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 have tried to make payment arrangements but even then they call everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

With no open accounts I started with a XXXX credit score the first time I ever had my credit checked. Ive had to pay to get secured credit cards and years later I finally have just over XXXX. I cant get approved for an unsecured card or loan. Ive worked hard and obsessed over this just to try to get it high enough to be able to buy a work truck and a house. This has held me back in life and I believe my original score was chosen for me based on where I grew up and my background. I never had a fair chance at credit and it seems like Im never going to get a house. Meanwhile I have friends that start out with a high score and are able to get unsecured credit cards and loans and are able to live a higher level of life. I am unable to advance in life because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company still refuses my request to discontinue PMI insurance even though late payments were removed from my credit report. My first request to discontinue the PMI was in XX/XX/XXXX and there were no reported late payments on my account in the prior 13 years. Since I filled my complaint, I have not been able to contact the company by phone on several attempts and waiting on hold for several hours. The company has now began retaliation efforts by holding my mail in payments and not applying them until after the XXXX of the month and adding a late fee. My XX/XX/XXXX payment was mailed on XX/XX/XXXX and not applied to my account until XX/XX/XXXX. All of my other mortgage payments mailed on the same day were applied to my all of my accounts within 6 days.