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 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/XXXX I went to Sephora at XXXX XXXX in XXXX XXXX to buy a gift card foe {$35.00} At the cashier I was asked so many questions like dob, last 4 digits of ssn, and when I asked for what all those questions they needed, the cashier 's answers was " maybe for some discount ''. The word " credit card '' never came up fron her mouth. I feel myself so stupid that I didn't figure it out right away. I just got my reciept where was written " congratulation you are approved for credit card ''. So, It was affected my credit history. If I don't use it, it will effect my credit history. If I close it, it will effect my credit history. I am not able to do anything without effecting my credit score. It's just a fraud to make people to open credit cards like that.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX - XXXX/XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$42.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$93.00} XXXX XXXX XXXX ( XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX  ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX  XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$390.00} PXXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX XXXX  ( Original creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX is requested a proper investigation of some unfamiliar accounts according to fcra 15 USC 1681 15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance/ {$630.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX didnt provide the application or any other evidence as to how the card was obtain such as via internet or by phone! 

My question was how you could allow this to be verified when XXXX XXXX XXXX themselves can not provide the proper verification of the account themselves. 

I also informed you that I was a victim of Identity fraud and enclosed a letter from the college where the data breached occurred. According to the FCRA, you were to remove the disputed items until the proper investigation was complete where in which your company did not. 
So how could TransUnion verify this account XXXX XXXX XXXX # / XXXX Balance / XXXX Date opened/ XX/XX/XXXX I also requested an investigation from you TransUnion and XXXXXXXX XXXX  according to the FCRA and neither of my request were met. I was not provided with neither of the necessary key documents verifying the account was mine, such as contract or application which would be considered the original instruments of debts! According to the FCRA I have a right to these documents for they are essential to me conducting my own investigation as to this unfamiliar account. 

The 30 days allotted by the FCRA has been exceeded, TransUnion and XXXXXXXX XXXX  failed to perform the proper investigations and provide me with the necessary verifiable documentation of the following account. I demand that the following accounts be delete at once! 
If an improper investigative report wasnt preformed, then this Account must be deleted from my report. More than 30 days has passed since this request was made and yet your company have yet to comply with the request per the FCRA 15 US 1681. 

Self Lead never responded Response letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Validation and Dispute Letter/Tracking XXXX XXXX Identity theft report Copies of an official notice from the College I attended regarding a Personal Information Data Breach at our school
Product: Debt collection

Last year XXXX 2020. I began receiving notifications from the credit bureaus about a new account that appeared on my credit file. I contacted the credit bureaus and they told me that KLS Financial Services was reporting a medical debt to them. They instructed me to file a identity theft report with the Federal Trade Commission. I done that and sent a copy to KLS financial Services. But did not receive any response. I recently filed another and attached it to this complaint for your records as well as my own records of this situation. I never had any debt with this company. Can you please assist me with this matter Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on numerous occasions by certified mail. It has become increasingly clear that they are being willfully negligent in rectifying my affairs regarding my consumer report. 

Please see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 the consumer sent XXXX XXXX a cease and desist pursuant 15USC1692c. Preferred lease has already been paid for the alleged debt. Plus extra monetary. The company replied to complaint # XXXX. Pursuant 15USC1692b The consumer never gave perferred lease written permission to communicate with the consumer or access the consumer report. The Consumer is still being harassed by email and text messages willfully regards to what the federal consumer law says. Preferred Lease is still invading the consumer privacy. Today a default and opportunity to cure was sent to the debt collection company certified mail with return receipt The company still has not responded under perjury and penalty. We hope this matter can come to a resolution soon. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX  the natural person continue to be a victim of fraud upon the XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX all have unauthorized the use of my personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATION/XXXX has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX  and XXXX XXXX.U.S. XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATIONXXXX are accounts that have been opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. | 15 .U.S . Code 1681 ( a ) ( e ). My Fourth Amendment right has been infringed on. I am not secure in my papers and I have not had any rights to privacy regarding these companies.
Product: Debt collection

Dynamic Recovery Solutions Alleged amount owed : {$610.00} Date : Year 2015 I called the hospital that is on this fake debt collection and they have no record of me ever being in their care.
Product: Debt collection

I contact this company on several occasions and XXXX has also been disputed. I sent a letter to the Statebridge collection company asking them to validate the account, send me contracts, etc. Without any answer. XXXX tells me that this company has reported different information on several occasions. First the amount was {$7800.00} and now they reported {$15000.00}. They have also reported different open dates.It 's frustrating because I'm trying to buy a house for myself and my son and for this account I can't qualify. I have done everything to solve this problem. I communicated with XXXX and nothing. I need help. 

XXXX XXXX XXXX Statebridge Company Number # XXXX Reported by XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX LLC did an inquiry on my credit. I did not authorize this company to check my credit. Under the Fair Credit Reporting Act, it is my right that this inquiry be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e  ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other act ion ( or in-action ) on their behalf has resulted in CURRENTLY FILING a small claims action agai nst their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX ,  XXXX  & TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor C- Pulled XX/XX/2018 ( I was not present at the dealership nor did I give consent to pull my credit, I told the sales counselor that I already got approved for a loan and he still decided to shot gun blast my credit with these hard inquiries ) XXXX XXXX- Pulled duplicate hard inquiry on XX/XX/18 while I was not present at the dealership. I demand that the unauthorized/duplicate inquiry be removed from my credit report. I was told that when my credit was pulled it'd only show as one hard inquiry. I was lied to and coerced by the sales counselor to pull my credit in the first place. As I have said before in the above comment, I was already approve by a company for an auto loan for a good rate. I was promised a better rate that did not take place. 

XXXX XXXX XXXX XXXX Pulled XX/XX/2018. I don't even recognize this company let alone did I give authorization to run my credit.
Product: Payday loan, title loan, or personal loan

I made a payment recently that has not posted to my account. It is now past the due date, and I have a final payment coming up in a few days that I need to make to avoid interest fees. The most recent payment date was XX/XX/2021, amount {$880.00}, and I received email confirmation about the payment. Payments I send to them always post within one day, so I know something is wrong. I tried contacting them by phone but can not get a real person. The automated system informs me that my most recent payment was on XX/XX/2021 for {$2500.00} ( this was NOT the most recent ). I NEED to get this resolved ASAP so my balance can be paid in full before the promotional period ends. Their automated chat system provides absolutely no options to help me with this. 

The real kicker is that my Paypal credit account recently had the same issue. So something is going on with Synchrony Bank ( who does both Care Credit and Paypal ). Luckily, Paypal support was able to fix my issue there. Care Credit is absolutely impossible.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost gravity pertaining to the unauthorized sale and acquisition of my personal information, which transpired as a consequence of my unfortunate status as a victim of the Equifax data breach. It has come to my attention that certain items, resulting from this breach, persist on my credit reports. In light of this, I am hereby formally demanding the immediate removal of these deleterious entries. 

I have taken the liberty of appending incontrovertible evidence that substantiates Equifax 's acknowledgment of my victimhood in the aforementioned data breach. Despite this acknowledgment, regrettably, no corrective action has been taken on the part of Equifax to rectify the impact on my credit history. 

It is imperative that you extend your expertise to rectify this matter with utmost urgency. I seek your professional assistance in expediting the expungement of these illicit accounts from my credit report, in alignment with my rights and the laws governing consumer data protection. 

Your prompt attention to this matter is not only imperative but also anticipated, and I trust that your legal acumen will serve to address this situation with the gravity it demands. 

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: Checking or savings account

InXX/XX/2019 my bank account was fraudulently charged {$700.00}. I contacted the bank and The Bank placed a temporary credit onto the account while they did the investigation. I attempted to close the account because there were multiple problems of people getting my card information and spending the money as I was closing the account they withdrew The credits and sent my bank account back- {$700.00}. I originally contacted them to try to figure out why the credits were placed back and why the account was still open even though I had closed it, and all they sent me was an account information sheet with all the charges that have been made and everything like that, it didnt help me at all didnt explain anything at all, and they said that there was nothing they could do for me Its been XXXX plus years. The balance is now down to {$190.00} that I supposedly owe them and I can not get in contact with them at all. This has caused me not being able to open new bank accounts.
Product: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is
reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

Account : XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for your time and help in this matter.
Product: Credit card

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Discover Company it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal. 

Yours Truly XXXX XXXX ( All Rights Reserved )
Product: Debt collection

This company is engaging in deceptive practices. On XX/XX/XXXX I filed a complaint on oliphant regarding several FCRA violations plz see complaint # XXXX to which they gave the follow response To Whom It May Concern : We are in receipt of the complaint dated XX/XX/XXXX. We appreciate the opportunity to resolve any complaints or issues with consumers. Due to the nature of XXXX XXXX complaint, we will respond directly to him and provide him with more information about the account in question. If you have any questions, please contact us XXXX XXXX  at XXXX. Sincerely, Oliphant Financial , LLC XXXX My complaint is this company is being deceptive by using this generic response used to circumvent their way around the FCRA after they violate consumers rights. If you look at the history of Oliphant complaints they religiously use this same generic response on every complaint platform, for example I received this same response from the XXXX XXXX XXXX  ( plz refer to XXXX  complaint # XXXX ) when I filed a different complaint on this company for FCRA violations. To which it has been over a month and I have not received any communication from this company address or trying to resolve this XXXX  as they stated in their response that they would be XXXX. I am not the only consumer who has received this deceptive response. If you check complaints on the bbb website you will see this same response used emphatically deprive consumers out of their right to have inaccurate and incorrect information from being updated. I have noticed a lot of market points have been closed as duplicate complaints. This is not a duplicate complaint. This is grieving new issues which is deceptive practicing, which is a violation of the fair credit act. If this complaint is closed, and not answered, your silence will be considered as estoppel by silence and I will have my legal counsel look into legal litigation for willful noncompliance.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$0.00}