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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 :XX/XX/XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX Credit Bureau ( TransUnion ) TransUnion LLC consumer dispute center po box XXXX XXXX, Pa XXXX Subject : Dispute of Collection Account Violation of FCRA & CFPB Guidelines Dear Transunion, I am disputing an account reported by XXXX XXXX  on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations, I am requesting validation of this debt. 
FCRA 609 ( a ) ( 1 ) requires the furnisher to provide full documentation validating the account.

FCRA 623 ( a ) ( 3 ) mandates furnishers to report only accurate information. If they can not verify it, the item must be deleted. 
XXXX v. TransUnion ( XXXX ) ruled that credit bureaus must conduct reasonable investigations of consumer disputes. 

I demand an immediate investigation into this matter. If XXXX XXXX can not provide documented proof that I owe this debt, including a signed contract with the original creditor, this account must be deleted from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland contacted me on my work cell phone number ( XXXX ) XXXX. This number is only used for business/work. It is listed only in my business card and company website. I told them they have my personal number and to never call my business phone number and that it was inappropriate.
Product: Prepaid card

funds from the unemployment department were paid out to the Bank of America prepaid card and the total amount of {$38000.00}. I have disputed these matters and they have denied my dispute asking me for further documentation which I don't understand what documentation I would provide when I've never received a card and it was fraudulent however, out of that XXXX they did issue {$8000.00} of a credit so what I'm trying to understand is why is it that that was honored but the rest is not
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XX/XX/year> - Called Equifax regarding an extra Auto Car loan. A claim was issued. Asked me to call the Auto Car Loaner. 
XX/XX/year> - Called XXXX XXXX XXXX. They said there were only two Car Loans and sent via mail the contracts. 
XX/XX/year> - Received the results from the claim from Equifax. Still showing the XXXX Auto Car Loans. Called Equifax and disputed their claim. They issued another claim to the matter. 
XX/XX/year> - Received both contracts from XXXX XXXX. 
XX/XX/year> - Received the results from the second claim from Equifax. Same issue still occurring, called and told them that I had received the contracts from XXXX XXXX. A new Claim was issued. 
XX/XX/year> - Received the claim results showing the same mistake from Equifax. Called XXXX XXXX and they had nothing else they could do for me. Called Equifax and told me to file a Credit Fraud Report.
Product: Credit reporting or other personal consumer reports

This text discusses the rights of consumers under the Fair Credit Reporting Act ( FCRA ) and related privacy laws. It asserts that consumer reporting agencies like Equifax and XXXX must handle consumer information fairly and with respect for privacy. The author emphasizes their right to prevent these agencies from sharing personal information without consent, as outlined in various sections of the U.S. Code. They argue that neither agency has their permission to share their data and that they have revoked any prior consent. The author claims that these agencies have not informed them about their rights to nondisclosure and have reported adverse information unlawfully. They also highlight that these agencies are not maintaining adequate procedures to protect consumer information and formally declare their decision to opt out of their reporting services.
Product: Checking or savings account

I am a victim of identity theft and fraudulent transactions started happening on both of my PNC checking accounts since XX/XX/. It is now XX/XX/XXXX  and I have spoken to numerous customer service representatives and fraud detection services. PNC failed to put holds on my accounts after the initial fraudulent transactions occurred enabling addition fraudulent transactions to occur. I have been told several different wait times as to when the various transactions can be disputed and that they can not be disputed when they are pending, they must be fully posted to dispute. PNC has been negligent in regards to protecting my account and security. I was told that I now have to wait even longer for reimbursement of the disputes, leaving my husband and I with currently no money and that I can not close either of the PNC accounts until the transactions are fully posted and disputed ( disputes may take up to 90 days ) even though some of the transactions were ACH. PNC 's policy states that if a fraudulent transaction occurs via ACH the customer may close the account and obtain a new account while the disputes finalize. I have been a PNC customer for approximately 10 years and I am honestly shocked at the lack of action they have taken regarding this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

Experian failed to accept my consumer complaint which is a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. 

I mailed them letters requesting investigation and validation of items reported by Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The letter was sent by me and included a copy of my driver 's license, social security card, and piece of mail to verify my identity and address. 

Experian responded by stating that they will not take " any action on my alleged request '' because they believe that it " does not appear to have been sent directly by me or to be authorized by me. '' I contacted Experian on XX/XX/XXXX, and was transferred to XXXX different individuals who said they refused to work on anything on my report until I sent them a cover letter and a copy of my driver 's license and social security card. I told them that all the letters included a cover letter and all those items but they said I need to send a Power of Attorney too. The letters were sent from me. There is no one to give Power of Attorney to. They refused to investigate.
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 Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 XXXX years. 

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

I submitted disputes with Equifax six times regarding the same company 's error 's. At one point the info was updated and removed now it back on my report.
Product: Student loan

After speaking with Sallie Maes financial department for the second time, they still say that there is no way to lower my monthly payments. I spoke with a rep yesterday because my account was 60 some odd days past due. I explained that I was recently in two car accidents that were within a week of each other as well as being recently diagnosed with a chronic illness. The only option they would give me was to pay my past due amount of {$770.00} all within this month of XX/XX/XXXX. So on on both of my pay periods for this month ( XX/XX/XXXX and XX/XX/XXXX) i will be forced to pay Sallie Mae XXXX and XXXX respectively. There were no other options given to me at the time of my phone call on yesterday XX/XX/2020. I am currently only working part time and not by choice which I informed them of on yesterday XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Predatory Lender Protection Bureau, Please reopen and escalate complaint XXXX. 

Since XXXX XXXX XXXX has instituted new and previous used tactics familiar to the CFPB and has worked previously on these issues : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX continues to mail letters to an address that I do not own in XXXX while naming an XXXX that I registered in XXXX, that is non-functioning, and not involved in this action, as an attempt at intimidation. 

Using XXXX call centers and numerous off shore debt collectors, XXXX XXXX has shared my most sensitive financial information including social security number, and contact information far and wide, exposing me to permanent cyber-attack risks by bottom feeding financial firms. In its latest attempt to intimidate and harass, XXXXXXXX XXXX XXXXXXXX, XXXX has threatened to sue and if a lawsuit. It is the CFPB 's duty, responsibility and obligation to fulfill its charter in protecting consumers from companies practices such as XXXX XXXX. The CFPB is explicitly aware of the practices XXXX XXXX is employing to destroy small business, steal data and information, ruin credit, and otherwise torment young, small businesses. 

If XXXX XXXX files lawsuit, I will have no choice but to file a counter suit and name the XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX for their cooperation and collusion in violating consumer protection law to inflate debt for profit at consumer expense. These companies have already been brought to the CFPBs attention and has yet to demonstrate or take meaningful action. If the CFPB continues to demonstrate a blatant disregard for their duty and care owed to consumer will be names as co-defendants and treated as conspirators in the scheme. 

I act in the interest of protecting others so similarly situated and unable to defend themselves, since I am so able and keen to take on these forces of darkness and evil, intent on harming and hurting my fellow Americans and I. Here now, I call on the CFPB to aid my cause and be warned to not abide these and other injustice anymore, else or failure to act will surely cause us all to face eternal demise in extreme peril for all time. 

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

I can not log in to my account with Experian. Their system does not recognize my email nor either of my back up emails I have had for years. When I enter " forgot user name '' and I'm asked to enter my birth date and social security number. Their response is " sorry this does not match ''. My birthday and SS number has never changed in my 80 years. They offer no alternative to my dilema, I'm simply locked out.
Product: Debt collection

I received a notice regarding an alleged debt. Reference number XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, informed me that I owe {$60.00} and it needs to be paid by XX/XX/XXXX. However, the letter lacks crucial details and transparency. 

Firstly, the communication fails to specify the date of service and the original debt collector 's name. It merely mentions XXXX XXXX XXXX After thorough examination of my insurance Explanation of Benefits ( EOB ), I confirmed that I had only XXXX XXXX XXXX  which was XX/XX/XXXX. Both my insurance and I settled the payment for that service in full at the time of the visit. 

Moreover, I have not received any prior calls or invoices itemizing the purported {$60.00} debt. The lack of detailed information and transparency in your communication leads me to question the legitimacy of this collection attempt. 

Please provide a detailed breakdown of the debt, including the date of service, the original creditor 's name, and any relevant documentation to support your claim. Failure to do so will only reinforce my belief that this collection attempt is fraudulent and unjust. I do not have collections and I always pay my bills on time.
Product: Credit reporting

This account is over XXXX years old. They have reported it to the XXXX credit bureaus. They have also reaged the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has refused to correct the incorrect data they put in my Credit Reports due to their sloppy record keeping. 
My loans have been paid off since XX/XX/2007, yet they are reporting my account as late. 
I have tried to get this issue resolved with NELNET for months now, and so far, they have been useless in resolving and or fixing their own mess. 
I am reaching out to you for your help.
Product: Checking or savings account

I XXXX  a new regions account bonus for {$300.00}. It was advertised that you can open a new acct, have direct deposit of over {$1200.00} in the first XX/XX/year> days and you will be given a {$300.00} bonus. I opened acct and started doing transactions. Completing the requirements. In 30 days I received an email to the same email I registered with the bank stating to register for the offer, put your name, and email and then open the acct. to my understanding the promo was already registered to my newly opened acct but so followed directions anyway. Fast fwd to now, and they are saying that since it wasnt registered through that email before the acct opening then Im not eligible for the offer. I was mislead into opening an acct and I want this rectified.
Product: Credit reporting 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 items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I must have had a Wachovia account back when I first began working when I was of age. I then closed my account and moved to XXXX I believe in XXXX and have been with them ever since. 

My wife, my sister and I all in the same day today- XXXX XXXX got phone calls from different numbers with the same message reporting as a woman named XXXX , saying theres a complaint open against me with a case number XXXX. 

I called the number back and spoke with a woman at XXXX extension XXXX and she told me that I can pay {$700.00} in overdraft fees from Wachovia now to avoid legal action which will result in me paying over {$3600.00}.

I find this hard to believe that if this were true I would be all of a sudden contacted XXXX  years later. But I would have paid the amount anyways and not let it get this bad.plus Ive had countless in depth credit reports done for me in the past and if this were true this would have shown up.yet it didnt. 


When I asked the woman for proof of the charges she said that it was mailed to me XXXX  months ago- yet I did not receive anything in the mail. I asked for it to be emailed to me and they said that I would have to pay a notary {$10.00} per document to get it. Which I find odd bc if Im being charged anything I should be given some proof of that.

Anyways she was a little upset I did not pay right away and said good luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed two accounts on my credit report. XXXX XXXX sent me a letter that both accounts were being removed from my credit report. One account continues to report on my Transunion report. I've contact XXXX XXXX who stated someone will be contacting me but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called into each credit bureau and asked them kindly to please do a full investigation of every piece of information on the accounts listed below over a month ago! And nothing was done. I called in because i didn't not recognize the accounts and they are unauthorized. 

15 U.S.C 1681 C-2 605B A : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not any information relating to any transaction by the consumer. 

CFPB, Please help me work with the credit bureaus to make sure these accounts that do not belong to me get removed from my reports. I just want my report to be 100 % mine and 100 % accurate. I want my voice to be heard and I want the credit bureaus to do a proper investigation and review every detail of all these accounts as well as my ftc report and police report and remove these unauthorized accounts. Like I said, I believe I'm a victim of identity theft so they should be removed within 4 days of receiving this anyways because I just filed the ftc report and police report. ( review 605b ) The accounts/inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2022