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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX "
Product: Credit card

XXXX XXXX REFUSED TO ACTIVATE THE XXXX INSURANCE ACCT AS I AM XXXX AND A SENIOR XXXX. XXXX XXXX CONTACTED A COLLECTION AGENCY! 
IT IS AGAINST THE CONSUMER PRETECTION LAWS
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccurancies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these item for me to ensurre accuracy. 
here is the item i am asking you to verify as accurate. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative from Equifax and explained that I had identity theft against me and someone applied for things in my name. I was told they needed the identity theft report with the dates that this happened. I have included this in this complaint and they should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed XXXX XXXX XXXX XXXX from my credit report because they were reporting the account inaccurate, I called them and they confirm it was removed but now I order a new copy of my credit report and that account is back. Please remove this account XXXX XXXX XXXX XXXX from my credit report.
Product: Debt collection

Today XX/XX/2023 i received a call from Gm Financial at XXXX. spoke with a representative and advised that i was in a public places and couldn't talk. Then at XXXX XXXX I received an email stating they were having difficulty reaching me. This has happened more than once and should be documented in their records. This is considered double contact in the same day and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Late XXXX, my wealth manager discussed a better credit card for me. I signed an application. Sometime in XXXX, the bank sent a card to me. As I am out of the country often, my mailing address is a PO Box that is checked every week by my CPA, XXXX XXXX. No one from the bank called me to tell me that the card application was approved. No one from the bank called me to tell me that they were sending a card to me. The bank sent the card to the wrong address. I never received the card. Then the bank sent statements to the wrong address. I never received the statements. The only charge on the card was a charge for opening the card. A charge I was never informed was made and was due. As a result the balance became past due. When I discovered the banks mistake. The bank immediately corrected the mailing address, sent a new card and reversed the late charges. I have contacted the bank, and while they admit that they sent the card and statements to the wrong address, they refuse to reverse the negative reporting. This was not my fault, but was the fault of XXXX XXXX XXXX, as such I should not be penalized with a derogatory statement on my credit report. I have several accounts with XXXX  XXXX XXXX totally almost {$2.00} XXXX  in debt. My payment history is STELLAR. It is LUDICROUS that I would have failed to make a $ XXXX  monthly payment on a {$95.00} balance for a card charge.
Product: Money transfer, virtual currency, or money service

HSBC US took {$10000.00} usd from my account to perform a wire transfer and then asked a series of questions that prevented the money from being transferred. I then cancelled the transfer and had to send a check via XXXX  instead ... After 3 weeks they have not returned the money to my account despite a cancelation ... can you help us pls get our money back from HSBC... they don't return our calls or return our money. 

Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the unresolved issue of fraudulent items account, despite multiple attempts to address it. 

The presence of these fraudulent items not only compromises my financial security but also erodes my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

I expect a prompt response to this complaint, acknowledging receipt and outlining the concrete steps that will be taken to address the issue. Additionally, I request regular updates on the progress until the matter is fully resolved. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello. This is not filed by a 3rd Party or a Credit Repair Facility. 

I just received a copy of my Credit Report and there are some accounts that violate my rights. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights under 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.

Please provide me with 4 pieces of information regarding all of these accounts below.

1. The Original Contracts of these accounts with my signature on it.

2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts. 

4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 


1. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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 - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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. 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. Equifax, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Auto Account # XXXX and XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/XXXX at XXXX I was contacted via phone by a representative from Diversified Consultants, Inc. During the call I requested written verification of the debt they referenced during the call. I received a letter on XX/XX/XXXX that stated I have 30 days to dispute the validity of the debt. I sent a letter via Diversified Consultants online dispute form on XX/XX/XXXX and stated that I would also be sending the same via regular mail. On XX/XX/XXXX, less than 30 days from the date of the notice, the company reported the invalid and unverified debt to the credit agencies. The company did not follow FCRA guidelines and reported a debt that is not mine to a credit agency which adversely affected my credit and ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE. NUMEROUS TIMES I HAVE REACHED OUT TO THE CREDITOR AND TO THE BUREAUS TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT.
Product: Student loan

I was a student at XXXX XXXX XXXX.before they changed the name to XXXX in XXXX Fl the school had falsely advertised being able to transfer your credits and would assist with job placement. Unfortunately while i was there not only did i find out through going to an internship program that the school was not accredited and through XXXX XXXX XXXX who advised they would not accept any of the credits but throughout all of this horrific experience not only did i waste my time but everything came to a sudden end when the schools Dean was convicted on embellishment charges. everything came to an end and the school had closed down. So all the students left with nothing no graduation no confirmation to what we should do because I could not transfer any where because no other schools would accept or take any of the bogus credits. i regret ever going to this school if only i had known the true outcome because now they keep charging me to pay all of these fees and i have been dealing with serious health issues from XXXX XXXX XXXX XXXX which at times i cant walk and XXXX in my hands including XXXX. I have been in and out of hospitals for years and have not been able to work i am struggling have dealt with evictions had to get help from XXXX XXXX who paid my rent if they people in the church are not helping me i receive food stamps as well. they never offer a way to just pay what i owed when i was in the school i never went to XXXX i was shocked when they reopen under a different name. i am being overly charged all these rates and i do not know what to do they call every day early in the morning late at night on the weekends its insane and i never gained the education i thought i would jut an over exaggerated bill.
Product: Credit reporting or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act US DEPT ED Account # XXXX, XXXX/DOFED account # XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  ( Account Number : XXXX ) Reported as a third-party collection account. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Charged off. 
XXXX XXXX XXXX  ( Account Number : XXXX ) Charged off. 
XXXX XXXX ( Account Number : XXXX ) Charged off. 
XXXX XXXX XXXX ( Account Number : XXXX ) Reported with late payments. 
XXXX XXXX XXXX ( Account Number : XXXX ) Paid, Closed with late payments. 
XXXX XXXX XXXX ( Account Number : XXXX ) Paid, Closed with late payments. 

PLEASE SEE THE ATTACHED.
Product: Student loan

Made a payment on XX/XX/XXXX. Payment was accepted, the payment was reversed on XX/XX/XXXX, but my online account says reversed on XX/XX/XXXX. 

Made a payment on XX/XX/XXXX. Payment was accepted, the payment was reversed on XX/XX/XXXX, but my online account says reversed on XX/XX/XXXX. 

Made a payment on XX/XX/XXXX. Payment was accepted, the payment was reversed on XX/XX/XXXX, but my online account says reversed on XX/XX/XXXX. 

Made a payment over the phone on XX/XX/XXXX for XXXX and XXXX and the payment was accepted. Received an email on XX/XX/XXXX stating I have missed a payment from my student loans. My EdFinancial account shows XXXX of my loans have late payments from XX/XX/XXXX even though I paid for XXXX and XXXX on XX/XX/XXXX. I can not reach anyone by phone or get an email response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022, telling them that they are reporting inaccurate information on my credit report and asked them to verify and delete inaccurate information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal. They also violated my rights under 15 USC 1681 States everything has to be 100 % accurate on my report. 
15 USC 1681 SECTION 602 A. States I have the right to privacy. 

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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The XXXX XXXX isn't allowed to connect with my bank to send money
Product: Debt collection

I checked my credit report on XX/XX/XXXX only to discover that as early as XX/XX/XXXX, a creditor named XXXX XXXX XXXX has been reporting that I owe them an amount in excess of 100 dollars. I have never conducted business with such a company. Additionally, I was NEVER provided a written notice of this " debt '' by the company explaining the amount, when they generated a file on " me '' in their office ( if any ) and any information regarding an original creditor. I received NOTHING. My consumer rights have been violated as it is required under FDCPA to disclose these things.
Product: Debt collection

I am filing this complaint because I was not given the opportunity to dispute the alleged debt a debt collection company has put on my credit reports. This company is known as NCA. This company did not send me any information regarding the alleged debt. The debt collection agency is ruining my credit worthiness and my credit standing.
Product: Credit reporting or other personal consumer reports

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to thirty days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX I asked Equifax on four occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX and XXXX has been calling my place of employment regarding my debt I work at a XXXX XXXX which is not appropriate they have called multiple times in a row sometimes 2x in less than 5 minutes. I am working with the debt consolidation company beyond and they need to be called. This happened just today XX/XX/19
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 rigths to privacy and confidentiality under XXXX usc XXXX. The accounts below have violated my rigthts XXXX XXXX XXXX section XXXX A. XXXX i have the rights to privacy. XXXX XXXX XXXX Section XXXX A section XXXX, It also states a consumer reporting agency canoot furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX ) XXXX Section states ) no consumer reporting agency XXXX make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX u.s.c XXXX XXXX A ) 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 Delete the accounw below Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Bureaus is reporting to all XXXX credit bureaus. I have asked for validation numerous times from this company. They have failed to comply with e 30 day turnaround also failed to comply with furnishing information that they are licensed and bonded to collect a debt in my state of South Carolina. The have violated my rights by fraudulently accessing my consumer file and invading my privacy. I have never signed a contract with this company. I have not only asked for a signed contract and original signature from said company or whoever the claim to be collecting on the behalf of. ANd nothing, no avail, no response, no resolution.