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

I have Disputed this Account about removing XXXX XXXX XXXX bankruptcy due to : 1. Violation of Privacy Act : XXXX Edition A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to XXXX, XXXX NOR TRANSUNION to share my information publicly on their platforms. 


Comment : A dismissal refers to the courts decision to terminate a court case without imposing liability on the defendant. 

Comment : I was living in The State of Georgia when On XX/XX/XXXX, due to the impact of COVID-19 on the State of. Georgia, Governor of GA issued Executive Order No. XXXX, declaring a Public Health State of Emergency Complete Shut In and Shut Down Covid 19 Epidemic Caused this issue, I do not deserve to punished for a world epidemic. 

I asked them to remove it on these dates below : Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Public Record REF XXXX XXXXXXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Public Record REF XXXX XXXXXXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Updated Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Public Record REF # XXXX .... 

Remains TransUnion Date Submitted Estimated Completion Status XX/XX/XXXX XX/XX/XXXX In Process XXXX Dispute status All disputes ( 4 ) Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX The is an attached letters and documents
Product: Vehicle loan or lease

My Account # is Account NumberXXXX I paid off the Account and have not received the title. I sent a copy of the odometer statement numerous times by mail. 

I paid the car off XX/XX/2021 I have called numerous times, and get treated poorly. 

Please send me my car title. 

XXXX XXXX
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 XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section2 : 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

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the charge-off and collection accounts. No changes were made. Below are the inaccurate items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I XXXX XXXX have not gotten an update report since XX/XX/XXXX. 
I also notice on my report that there is inaccurate information on there not needs to be fixed ASAP. I have even the credit agencies notice and they have not fixed anything. 
this is effecting my job status as well as my home buying progress. I need help ASAP. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized PREMIUM Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning not connected with me that acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have been making my auto loan payment and adding additional funds which were meant to be applied to the principal balance ; however, Santander refuses to apply and allocated them to fees. When I call them they stated they can apply the funds how they see fit which is unethical and against the law. They already have a class-action lawsuit that I would like to be part of but they refuse to give me any information.
Product: Debt collection

A collection appeared on my credit report from Fair Collections & Outsourcing. I reached to the company ( the collection agency ) to dispute this claim because I've never resided at any unit or property for the original creditor. The collections agency couldn't verify my information. I asked them to provide me with a contract or documentation that I supposedly signed. It's been over 60 days and as of today I still have not received anything. I reached out to the original creditor and they advised me that they could not discuss my file because it had been sold. But the original creditor couldn't verify my SSN # and date of birth either and I mentioned the account being with collections. At that point she told me she couldn't verify the information because the file had been sold not prior to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have also verified that these accounts are not on my consumer report so you never accurately never verified any information. Remove the unverified items listed below that still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Remove these 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
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XX/XX/year>
Product: Mortgage

My daughter XXXX XXXX & I XXXX XXXX jointly own a home at XXXX XXXX XXXX, XXXX IN XXXX. For about 5 years we have tried to refinance for a lower interest rate we get all of the dicuments & necessary paperwork needed to complete the transaction and Flagstar will block it every time. We have asked them to help us lower our rate but they refuse every time. We recently discovered that the bank is saying we owe them {$8600.00}. I have never received any notices about the missed payments they say we owe from XX/XX/2016 to XX/XX/2016. That is a total of 5 months at {$1500.00}. Attorney fees {$650.00} and court costs $ XXXX.I was not aware of this and we have requested a stsement each monthshowing a breakdown of payment, principle, interest, insurance, etc. they abaolutly refused. she even tried to open our account on the website of Flagstar to access our account to see her personal history, she was blocked from that also. What bank allows you to to do this. Im angry because Im responsible for this enormous amount of money they say we owe that I was never notified about. Im XXXX years old, lost my husband 5 years ago and my duaghter is a single mom of XXXX. Flagstar had no answer when I asked them why I was not notified about this. No mortgage company will help us because of their dishonesty. I have other documents that I can share with you. Please let us know.Thank you
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Product: Student loan

In XXXX, XXXX, I received the letter of congratulations and a refund from Mohela. In fact, not only had I fulfilled the XXXX months, but I had overpaid. They issued a refund for the overpayment. 

Recently, I received a letter from the Federal Loan Department saying that they were very sorry but I have not yet fulfilled the requirements. 
Overall, I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX and I am XXXX XXXX XXXX and single. I have fulfilled the requirements of the XXXX Obama Deal which was XXXX payments while in public service. 

I worked for XXXX years in XXXX XXXX XXXX, then was unable to continue, due to health concerns. Fortunately, I had made a deal with Obama in XXXX and by XXXX I had fully paid this off, but my loan had changed hands and somehow they lost track of me. I would like to repeat this : I paid this off. 

Since XXXX, I have XXXX XXXX XXXX XXXX XXXX XXXX  for a company called XXXXXXXX XXXX Online, I am paid XXXX as much and I work with the XXXX XXXX XXXX XXXX and more. In this job, I am required to keep my XXXX XXXX XXXX, and in fact I have completed the requirements to be a XXXX XXXXXXXX in CA as well, which has meant XXXX or XXXX tests, including an XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In fact I usually have about XXXX XXXX at XXXX time, with no summer break. I'm fine with all that because it allows me to work with XXXX XXXX XXXX 


To repeat, I am XXXX XXXX XXXX now and have retired from the XXXXXXXX XXXX. This helps me survive but I am not able to walk back into the XXXX XXXX XXXX setting, much less work there. 

Please help me with this. Please don't just repeat what they said, because that does not help. 
Thank you so much.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

Charge off is inaccurate account according to IRS charge off can't be reported as ordinary income 15 USC 1681 ( b ) or neither have I've received 1099 c form XXXX XXXX XXXX  . Referance ID : XXXX  stated {$3900.00} balance. Sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX XXXX my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter with their initial letter. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given XXXX written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of XXXX reporting on to 3rd party/non-affiliate credit agencies. XXXX XXXX  company continues to violation of FDCPA, PA, FCRA, ECOA, RICO, CCPA and FTCA CCPA have the right to 2500 or 7500 per violation. 15 USC 1681n, 15 USC 1681b, 15 USC 6801, 15 USC 1681a, 15 USC 1666b, 15 USC 1681e, 12 CFR 1022.3 Please remove this account from consumer report immediately. Per listed violations above, consumer reporting must have my written consent. Per listed violations above, consumer report can not report late payments nor transaction history relating to account. Consumer does not agree nor consent to use of my private consumer report. Please cease and desist all communication activities including communication with me through consumer reporting. This is a deceptive practice by XXXX XXXX and is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k. reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported. I ask that unless XXXX XXXX can provide me original signed contracts with my signature, that you cease and desist. XXXX XXXX is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original creditor XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus to validate these items. It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I was contacted by some people claiming to be Lending Tree and it turned put to be a scam and fraud. They said they would give me a {$500.00} to {$1000.00} dollar loan and that would boost my credit score and then would give me a larger loan. They deposited {$860.00} into my account, and then said they wanted me to send {$500.00} back to them on a prepaid card to repay the loan before sending me the larger amount. I spoke with my bank and found it to be fraud. I had to close my account and reopen etc.. the number is out of North Carolina I believe and I'm in Georgia . The number they used is XXXX.
Product: Money transfers

I sold something on ebay and received a payment for {$1300.00} for the amount of the item ( {$1200.00} after fees ) ( transaction ID XXXX ). The buyer paid by Paypal. Paypal received the payment, but refuses to update my balance. After several phone calls, Paypal said it was due to a " software update '' and it would be fixed immediately. It has now been more than a day. Many other sellers are having the same problem according to ebay 's community boards. Paypal keeps changing the story about when this will be fixed. Some people are being told an hour, some a few hours, some until the end of the day, others 24-48 hours, and one person was even told 4-5 days. Like many sellers, I was relying on this money -- {$1200.00} is not an insubstantial sum -- and I think it is completely unfair for Paypal to hold up so many people 's funds so it can update its software. There surely is a way to update software without holding customers ' money with no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores have been affected by a past credit card account that was opened years back without my knowing until recently viewing my full credit report.
Product: Student loan

I called Myfedloan.org on XX/XX/2022 to request a refund on my 5 most recent payments made during the XXXX forbearance period. I was helped by an employee with Employee ID = XXXX. We went through the process of requesting a refund and the employee told me that my refund request had been submitted and I should see a refund within the next few months and my loans will be re-instated. I waited a few months, XX/XX/2022, and called Myfedloan.org again after not receiving a refund, re-instatement of my loans, nor any updates. I was told by an employee with Employee ID = XXXX that my refund request had been noted and recorded but the actual process was not started/initiated. I went through the process of requesting a refund and providing the appropriate information to the employee. I was told that the request had been approved by the employees supervisor and I should see the refund within the next few months and my loans will be re-instated.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of 1. My Full Legal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called the company and the person connected me to a fraud line and I was on hold for quite a long time and was disconnected. I did not make this purchase and am concerned that other purchases will be made. I call the credit reporting companies and keep getting the recorded messages and can't talk to anyone. I am an older person and can't do all the prompts that they tell me.. when I do it takes me back to the main menu. I don't know how to stop the fraud against me and to stop further purchases or actions .I don't know how someone got my name and address. I was alerted to another activity that was stopped but I don't know how this went through.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$22000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.