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

In accordance to the fair credit reporting act. Then account listed below, have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # not listed XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX Has violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 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 items of information other than records of conviction of crimes which antedated the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person may not furnish any information related 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  Account # : XXXX, XXXX : Account # 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.

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

This company has contacted my ex husband on his phone number, which I did not provide to them, nor gave them permission to contact him, nor any other third party concerning any debts that I allegedly owe. My ex husband has contacted me with a call log that shows Midland Managment contacting him repeatedly about a debt that I supposedly owe them. He stated they have called him several times harassing him about a debt in my name that may or may not be mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased furniture through WayFair and used their financing entity called XXXX XXXX  or XXXX XXXX. In XXXX I paid a lump some payment in the amount of {$1700.00} which exceeded the {$110.00} payment amount due. XXXX  XXXX took the payment and applied it to the principal balance without my consent or knowledge. They then proceeded to report my account 30 days late with all 3 credit bureaus. I contacted them to correct this error and they refused to remove the inaccuracy on my report causing my score to decrease by 46 points and harm me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car. I started an allotment for the car. I went to the hospital for treatment. The allotment wasn't processed in a timely manner ( which was later identified and rectified after research ). USAA said they sent letters to my home about my account. I wasn't there and never received them. They had my phone number and never called. They misspoke once and said they did call but I pulled phone records and proved that they didn't. They later apologized and I asked for my account to be corrected because they never called. I tried to correct my credit and was unable to. For years I have tried to correct it as it interfered with my clearance. It was corrected for 1 month then reappeared. The representative called me when I called the CEO office and was rude. She said it will not be removed and that I should stop putting in complaints. I was in fear of USAA retaliating so I stopped but it wasn't right. I called the CEO office and once again Mr XXXX said he didn't see removing it as a problem. Well I guess I was. The representative called me and said I should stop as the credit report will not change. I went to register my vehicle in XX/XX/2018. I had 39 days to get the registration completed. I received all kind of nasty letters from Georgia saying I was in jeopardy of committing fraud and my plates revoked. I called USAA in panic XXXX XXXX and XXXX. I was promised each time they were working on it. Registration takes 30 days. It was an electronic title. USAA refused to take responsibility that they messed up. Didn't monitor the transaction or needed actions. They did apologize those. My issue is that why when I made a mistake of trusting my actions ( the allotment ) I corrected it from a hospital bed nd no phone call from USAA, I get 3 years of unfair reporting. But when USAA makes the mistake of not obtaining my title in a timely manner due to oversight and negligence, I get the residual and backlash. No one dings them for this mishap. I think in good faith they should remove that blemish and this time for good as it was not done intentionally and could have been rectified sooner had they simply called me. They had 2 other ways to contact me. The bottomline is it wasn't done on purpose. I have never been late on ANY vehicle I have ever financed through them. We almost had another problem when they went in the account and tried to debit the payment BEFORE the due date. of course the allotment wasn't there and they said well we will only try and debit once. But why before the agreement/due date. That causes problems. I'm glad I monitored that transaction. I just want it removed
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 : CHILDSUPPORT XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX Collection {$0.00} XXXX  XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX Foreclosures {$0.00} Please see the attachment as I have analyzed everything on my credit report!!!
Product: Credit reporting or other personal consumer reports

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing the account from my file, but a disregard for the suffering I have endured. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete this from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 


DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX, XXXX  XXXX XXXX XXXX
Product: Prepaid card

Half a year or so ago, my American Express XXXX XXXX account was hacked and used for fraudulent activities. 

{$500.00} was on my account at the beginning of the fraudulent activity. On the first day, the perpetrator used my credit card account which was linked to the OneVIP Serve account to transfer a daily maximum of {$200.00}. Afterwords, he/she withdrew the money as an " Unauthorized transaction '' ( the money went to an account to the name which I do not have any recollection of, seen when I logged-in at a later date ). The next day, {$200.00} was transferred to Serve using the credit card and then withdrawn into the the same unknown name as an unauthorized transaction. At this point, I logged in and found out my account was being targeted for fraud. I called XXXX to gain access to my account ( email, password, & personal information were changed ), remove my credit card from the account, then called XXXX again to submit a fraud claim. I did not receive any notification or alerts when the perpetrator changed nearly all of my account information. 

An American Express Serve account representative has told me that the transactions were valid and that they can not recoup my losses.They have closed my account as the representative told me it was standard procedure when a fraudulent activity report is denied. 

At this point, {$400.00} has been returned to me by the credit card company ( XXXX XXXX ) for the two unauthorized transactions of {$200.00} each. XXXX is unwilling to recoup the {$500.00} I lost from the unauthorized transactions. I have submitted a CFPB complaint a few months ago and no resolution has come.
Product: Debt collection

On XX/XX/XXXX I contacted Soloman and Soloman P.C in regards to a debt owed to XXXX in the amount of {$360.00}. I stated that I disagreed with the amount owed and offered a settlement amount. I was told this process could take up to 3 business days for a response. I checked back on XX/XX/XXXX and no response was received. I checked again onXX/XX/XXXX and was told no response was received and that the request would be resent to XXXX. On XX/XX/XXXX I followed up on the 2nd request and was told I would have an answer back by XX/XX/XXXX. I spoke to the collection agency on XX/XX/XXXX and was told that the request would have to be resubmitted a 3rd time and now it could take up to three weeks for a response back from XXXX. I believe that the collection agency/creditor are dilibertly delaying the process in the hopes I will become frustrated and run out of time, and will pay the amount they are requesting rather than the amount I offered in settlement.
Product: Money transfer, virtual currency, or money service

i was hire for a job, that turned out to be a scam. I was sent a check to deposit in my account. I was then told to send {$500.00} by my on Zelle to purchase equipment for this " job ''. I later that day ( XXXX ) found out the check was a fraudulent check and everything was scam. I reported the fraud to Zelle ( XX/XX/ ).
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00}. XX/XX/XXXX Please remove these items from my report. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. 

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-Day late payment on my credit reports with XXXX, XXXX, and XXXX for the month of XX/XX/, which should not be there, pursuant 15 USC 1681a 2 ( A ) ( i ). I am asking that this 30-day late payment be removed immediately before I seek litigation and pursue damages of {$1000.00} per occurrence. Please comply and remove this inaccurate information from my credit reports with XXXX, XXXX, and XXXX within 10 days from this dispute. Thanking you in advance!
Product: Credit reporting or other personal consumer reports

VIOLATION OF LAW CODES 15 USC 1681 XXXX XXXX XXXX HARD INQUIRY XX/XX/year>
Product: Mortgage

My complaint is against XXXX XXXX Loan Officer AAG | American Advisors Group NMLS ID : XXXX Phone : XXXX Ext : XXXX Fax : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX I submitted all documents that were required any derogatory items on my credit report I explained and got them removed. Went through all the necessary steps including counseling and obtaining an appraisal of my home. The company scheduled a closing date of XX/XX/XXXX through my diligence of asking questions of the loan officer I discovered that they put a provision where {$38000.00} would be taken out to pay taxes and insurance. They did not disclose this to me and after inquiring they had all the paperwork that they needed however they wanted the documents that I provided the depth of that release me from my obligations and removed the obligation from my credit report. I was released from my obligation due to medical issues that occurred in 2016 I worked diligently with the company which was a timeshare company and if I agreed to forfeit all right and money that I had already invested they would release me without any ramifications or collection efforts. Once I explained I did not provide them any documents then the underwriter stated they needed a letter from the hospital which I was treated back in 2016. I explained to the company due to the pandemic and short staff that will be close to impossible however I did forward my records that I was able to go online and retrieve and sent to them noting the dates that I was in the hospital in XXXX XXXX in a XXXX XXXX  they then stated only a letter would suffice. I feel I am being discriminated against mainly because the loan officer admitted he had a client with similar circumstances and they did not ask for any documentation asking that client to provide how he was able to get released from his obligations I feel Im being discriminated because of having to send in my drivers license they know my ethnicity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Transunion through a Direct Dispute On XX/XX/XXXX. It was indicated to me that the Investigation would be completed by XX/XX/XXXX. It is Now XX/XX/XXXX and they have not communicated with me at all other to continue to say that it is still Under Investigation. It has been 47 days since I initiated the dispute. I have medical coverage and had coverage since XX/XX/XXXX and advised them that if needed I would furnish proof that the debit is not valid. Transunion needs to remove this derogatory remark as it has no validity and it is going on two months since the dispute was submitted to Transunion in the first place.
Product: Debt collection

XX/XX/XXXX Diversified Adjustment Service , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Demand Regarding All Forms of Communication and Reporting To Whom It May Concern, I am writing to formally demand that Diversified Adjustment Service , Inc. immediately cease all forms of communication with me, including but not limited to phone calls, emails, letters, and any other means of contact. Additionally, I demand that you cease reporting any information regarding this debt to the consumer credit reporting agencies.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are required to cease all communication with me upon receipt of this letter, except to notify me that you are terminating further collection efforts, that you may invoke specific remedies which are ordinarily invoked by you or your organization, or that you intend to invoke a specified remedy. 
Furthermore, under the precedent established by the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX once a cease and desist request has been sent, the debt collector is obligated to cease reporting the debt to consumer credit reporting agencies. Continued reporting of this debt to the credit bureaus after a cease and desist request constitutes continued collection activity in violation of the FDCPA. 
Therefore, I demand the following : XXXX. Immediate cessation of all forms of communication with me. 
XXXX. Immediate removal of any information related to this debt from my consumer credit report. 
Failure to comply with this demand will leave me no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office, as well as initiating a lawsuit for violations of the FDCPA and any other applicable laws. 
I expect confirmation in writing that you have received this letter and that you will comply with my demands. Please send your response to the email listed above within 10 days of receipt of this letter. 
Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I identified an unauthorized hard inquiry on my credit report by a company named XXXX Avant/ Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX IL XXXX. I immediately contacted them at ( XXXX ) XXXX and asked why they pulled my credit without my authorization at which time they stated that someone had opened an account with them using my information. They also stated that the account had not been funded. After a series of questions they stated that their Fraud Department would be handling this case and that they would be in touch with me in a few days. I waited a week before calling them to find out what was happening and got nothing but poor excuses. On XX/XX/22 I received an Identity Theft Victims Complaint and Affidavit in which I immediately completed with a Law Enforcement Officer XXXX. Upon completion I emailed it back to them at XXXX per their instructions. On XX/XX/22 I contacted them again to ensure that they had received the Complaint and they refused to tell me anything!! also refused to tell me that they had received it even after they verified my identity, They were acting very suspicious so I went to the XXXX  XXXX XXXX and looked up the Company and was horrified to find multiple issues with this company EXACTLY like mine. This company needs to be investigated and shutdown for its possible criminal activity.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal information Also Known As XXXX XXXX Also Known As XXXX XXXX XXXX Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is Trans Union reporting the account type as Open, while XXXX and XXXX is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
Trans Union and XXXX are reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I had disputed a account with XXXXXXXX XXXX XXXX that originated with XXXX insurance that was paid in full on auto pay and canceled. It was agreed I did not owe the debt and removed from all XXXX bureaus. Trans Union put it back on my report and lowered my score. XXXX and XXXX removed it and have not put it back on. I contacted Trans Union 2 times and was promised a call back. They have not called back and have not removed the account. 
Trans Union also dropped my credit score XXXX pts for paying down my XXXX XXXX account {$120.00} which should have raised my score. Same response they said they would escalate the issue and I would receive a call back. XXXX weeks later and NO call back and my score is down XXXX points in the last month. Other bureaus remain higher. Trans Union should not be a reporting agency if they can not accurately and honestly report.