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 Account status Closed XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX Auto Financing Companies XXXX Finance Companies XXXX XXXX specific XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX  Credit Cards XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Finance Companies - non specific XXXX Bank Credit Cards XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bank Credit Cards XXXX Bank Credit Cards XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX  Bank Credit Cards XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers , XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX Bank Credit Cards US SM BUS ADMIN ODA Federal Government XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXXXXXX Automobile Dealers XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX  XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Automobile Dealers , Used XXXX XXXX XXXX  Bank Credit Cards XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX XXXX  All Banks - non specific XXXX XXXX XXXX XXXX Credit Unions 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: Money transfer, virtual currency, or money service

Venmo froze my account and I couldn't access my funds. I gave them documents but they wanted bank statement with card info..my bank does not supply statement with card info. Only checking account. I need my money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a federally protected consumer. According to the Fair Credit Reporting Act 15 U.S. Code 1681, consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. Reasonable procedures of fairness and accuracy equitable to the consumer. Proper investigations and verification are to be done BEFORE furnishing any information to my consumer report. I have incurred GREAT damage to my person and financial injury.

You are hereby notified, pursuant to UCC 1-202f. Your prompt attention and response is both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX, NY XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Social Security Number XXXX XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.
Product: Debt collection

My name is XXXX XXXX. On XX/XX/XXXX I sold my vehicle to XXXX XXXX of XXXX, Oregon XXXX. DOB XX/XX/XXXX. Phone Number : XXXX. His wife is XXXX XXXX and can be reached at XXXX. I sent my transfer of liability form to the DMV on XX/XX/XXXX via mail, I sent a detached signed copy of my title via mail to the DMV, and I filled out a transfer notice on the DMV online web portal. 

The vehicle was reported stolen on XX/XX/XXXX and was found crashed. The owner showed police proof of ownership yet the towing company fined me, then they sent me to collections. I have provided official copies of police reports and certified documentation demonstrating my release of liability to the debt collection agency. I have sent numerous emails and phone calls, and I have not received a call back providing me any information that this debt was removed from my record. I am being held liable for {$800.00}, this is not my debt and I do not owe it. They have provided me little information about actions taken or not taken on my behalf in relation to this debt and have not provided me any clear or concise details as to the process of this debt being removed from my name. I also have no idea if my tax refund or unemployment funds are being held up because of this agency. 

Towing Company Involved Speeds XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX XXXX Case # XXXX Vehicle XXXX XXXX XXXX XXXX License Plate : XXXX VIN : XXXX Date of Tow : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I hired Beling & Associates Law Firm of XXXX, due to their promises of reducing my student loan debt. They promised to get it cut in half and all I had to do is pay them {$250.00} per month as they would negotiate this settlement with my student loan lender. They also promised that this would not affect my credit report or score and nothing bad would be reported. By XXXX, the loan was settled, cut in half, and instead of owing {$20000.00}, I now owed {$8000.00}. Unfortunately, it wasn't until I needed to rent an apartment in XXXX that I found out that it was reported as a charge-off ... as if i refused to pay and went delinquent on {$12000.00}. This caused me to face homelessness, scrambling to find housing options when the apartment denied me a rental as I relocated to a new state for employment. This was NOT the agreement we made and they need to be held accountable for this seeming scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts, XXXX, XXXXXX*************, XXXX, XXXX, XXXX XXXX, have all violated my rights. 

I XXXX XXXX, Consumer, and natural person, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXXXXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXXXX************* XXXX*** XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX SOC SEC ADMIN OFFICE O Account # : XXXX SSA/OFFICE OF FINANC Account # : XXXX XXXX XXXX XXXX Finance : XXXXL XXXX Banking : XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXXXXXX Miscellaneous and Public Record : XXXX XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX  XXXX Banking : XXXX XXXX XXXX Finance : XXXX XXXX Banking : XXXX XXXX Banking : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX :
Product: Credit reporting or other personal consumer reports

I called Experian Asked why my fico score the same as XX/XX/XXXX with XXXX lates with debt reduction balance of XXXX in XXXX less than XXXX with no lates? 
XXXX balance {$330000.00} fico score XXXX same fico model XXXX XXXX balance XXXX fico score XXXX model fico model XXXX This is impossible. see attached back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, MD XXXX 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, MD XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

One main financial sent me a lot of loan offers in my email and stated check offer that will not impact credit then during they loan application process I selected self employed, I have an auto loan they run my bank account for 2 years transaction then approved my loan. The sent me an email requesting for my vehicle registration and pay stub. Vehicle insurance with {$1000.00} deductible. Their advert is misleading and their process is misleading. I had attached screen shoot of my application that indicated I selected self employed and I have auto loan they had a hard pull on my credit report as against soft pull on their email marketing.
Product: Student loan

In XX/XX/XXXX, I went to XXXX to submit my annual Income Based Repayment ( IBR ) renewal form. Per the instructions, I mailed the form to American Education Services ( AES ) in XX/XX/2017. I called them several times to check for status, but they claimed they had not received anything, yet. I escalated and discovered that the application was sent FedLoan Servicing ( It was sent to whatever address was posted at StudentLoan.gov under my account ). Apparently, FedLoan Servicing is a sister company to AES or a company they recently merged with. According to AES, when FedLoan Servicing sent my application to AES to be properly processed, FedLoan Servicing only sent a partial application. By that time, it was XX/XX/XXXX, so I faxed my application to AES for quicker review. Yes, I said " fax. '' They apparently do not have the technology to accept a PDF via eMail or upload ... ... ( Side Note : AES had no record of my conversations in XX/XX/XXXX ; the rep apparently deleted the record of my contact. ) Over the next several weeks, I called several times for status. AES told me each time that they had the application, and it was being reviewed. In XX/XX/XXXX, my payment went up from {$560.00} per month to {$1500.00} per month because they claimed they had not received my IBR renewal in a timely manner. Of course, I had only paid {$560.00}, and now they claim I 'm delinquent. I called again. The agent suggested I send it again. So, I sent the application a fourth time. This agent claimed I had only sent my application in the week prior. She argued with me adamantly that that was the case. I finally convinced her to check the application, and she quietly said, " Why is this dated in XX/XX/XXXX? '' .... I am at the end of my rope with this company. I honestly believe that they are purposely delaying IBR renewals on people with no remaining forbearance so that they can charge extra fees and collect higher payments. This is predatory lending at its worst! And, since it is a student loan, I have no recourse as an American consumer. They now have claim to destroy my great credit and garnish my wages. If anyone else has experienced this, please share! This level of incompetence is too blatant to be accidental.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 we filed an identity theft/fraud report with our local police department. We then proceeded to notify all XXXX credit bureaus of this as well. A credit alert notified us of a new account opened with MoneyLion IncXXXX in late XXXX. We called MoneyLion IncXXXX on XX/XX/2021 letting them know to flag the account, that it was fraudulently opened and there was a police report filed. At this point, an account had already been opened. We monitored the credit reports and noticed that there was a loan amount now w/ a due date on the MoneyLion account ( we didn't notice it previously ) as it was noted as a checking account, not a loan. We called back again on XX/XX/2021 and explained the whole situation a second time. This time, they sent a link in an email asking us to file a dispute/correction. We completed the dispute within a few days of receiving the email. We reviewed the credit reports again and now see that this account is reporting 60 days late. It is our understanding that disputes need to be resolved within 30 days and it is well past that. At this point, MoneyLion is now fraudulently reporting this account on all XXXX credit reports. We have called multiple times this month ( XXXX ) to the Fraud Dept but unable to get through due to a automated message that states " your phone number has been registered in our voicemail, you can expect a call from a representative as soon as possible ''. There has been no phone call, no email and no way to get a hold of someone that can remove this from the reports. We are in the middle of buying a home and this has delayed the process and we have missed out on many homes because of MoneyLion 's inability to correct this fraudulent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information being reported due to unlawful consent.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that all account that were compromised or affected by this breach be immediately blocked and deleted from your records. 

XXXX XXXX XXXX XXXX Balance : {$0.00} As you are aware, the data breach has compromised sensitive personal information, and under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2 ( a ), I have the legal right to request that any account connected to my name, Social Security number, or other personally identifiable information ( PII ) that were included in the breach be blocked and permanently deleted to protect me from any further harm, including identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XXXX XXXX Unknown individual in this company has reported incorrect information to a 3rd party .... ( hirerite ) ... the information they are reporting is not at all accurate ... they have pictures i sent them that shows a mudflap pulled off of the truck..they are reporting it as an accident ... ..which is false ... they are lying about it ... in order to prevent me from getting hired by another company ... because all their drivers are quitting due to poor treatment ... unpaid wages ... and a lack of any decent..ethical..treatment from management ... .they are in survival mode..and will damage a drivers work history to try to keep them from leaving..
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating account is accurate, without providing evidence of a thorough investigation this practice violates the FCRA, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes, equifax actions may also contravene CFPA 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), In CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. Equifax is also in violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Equifax are also in direct violation of this law by reporting my transaction history ( private information ) illegally WITHOUT my WRITTEN CONSENT. I request that the CFPB takes action to ensure Equifax complies with federal law
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX XXXX XXXX Subject : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the immediate removal of certain personal identifiable information from my credit report, which I have already requested five times in writing, made three phone calls about, and attempted several online submissions regarding. Furthermore, I have noticed discrepancies across my credit reports from XXXX, Experian, and XXXX, which raise serious concerns regarding potential identity theft. 

As a consumer protected by federal law, I request the following actions to be taken to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : I request the deletion of all outdated and irrelevant addresses from my credit report. 
The only address I request to be included is : XXXX XXXX XXXX, XXXX, MI XXXX I can not receive mail or any correspondence at these outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all information currently listed under the " Employer '' section of my report.

Inconsistencies Across Credit Reports : Upon reviewing my credit reports from XXXX, Experian, and XXXX, I have noticed the following inconsistencies : Account Number Discrepancies : The same account number appears differently across the three bureaus, which is a serious inconsistency. This raises concerns about potential identity theft, as unauthorized individuals may be altering or misusing my information.

Payment Status Inconsistencies : There are discrepancies between the payment status reported by the bureaus. Inconsistent reporting can indicate errors or fraudulent activity, as it could reflect transactions that I did not authorize.

Address Variations : The listed addresses across the three credit bureaus do not match, which suggests that unauthorized individuals may be using my information at different addresses. This raises the possibility of fraudulent accounts or activities linked to my personal information. 
Employer Information : There is inconsistent employer information across the reports, which may point to fraudulent attempts to link my identity to accounts I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF ED/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )