23daVinci/CFPB_Complaints huggingface dataset:
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 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 connot furnish a account without my written instructions 15 U.S.C 1681 C. ( 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, otherthan 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate I would like a full investigation and aalso delete all inaccuracies because i see all in question are all inaccurate i will like all these accounts that aren't mine removed they are putting a strain on my credit and are completely wrong and also are a violation of my rights with wrong addresses and wrong names and completely wrong accounts that i never had at all i want these removed from my credit report immediately and credit immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and there are several accounts opened by the person who stole my identity. The following accounts a result of my identity being stolen. 
XXXX XXXX Opened XX/XX/XXXX {$9200.00} stolen XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} Stolen BANKRUPTCY CHAPTER XXXX Filed XX/XX/XXXX I have verified with all these companies that these accounts do not belong to me and they're going to send a letter to remove these accounts in " 4-6 week ''. It has been more than the time frame they've given to me yet these accounts are still reporting to me. The representatives at XXXX, XXXX, and TransUnion neglect deletion of these accounts even with valid documents requested by them. They even neglect deletion using the Fair Credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681, Section 602a states that I have the right to privacy.

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

Lastly, 15 USC 1666b, Section ( a ) states that a creditor may not treat a payment on an open end consumer credit plan ( credit card ) as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX, XXXX, and Equifax due to ongoing inaccuracies on my credit reports, despite my repeated efforts to have these errors corrected. 

The issues I have identified include : 1. Incorrect dates of account activity.

2. Inaccurate balance amounts reported.

3. False payment history, such as late payments that did not occur.

These errors violate several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) : Requiring credit reporting agencies to ensure maximum possible accuracy of consumer information.

FCRA Section 611 ( a ) : Mandating that disputed information be fully investigated and corrected or removed if not verifiable.

Consumer Financial Protection Act ( CFPA ), Section 1036 ( a ) ( 1 ) ( B ) : Prohibiting unfair, deceptive, or abusive acts in reporting.
Product: Credit reporting or other personal consumer reports

Please see supporting documents below pertaining to EQUIFAX DATA BREACH.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit FTC Report Number # XXXX, proof of address, government-issued ID, and evidence linking me to a data breach. However, Transunion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I looked at my report and noticed information was reporting that shouldn't be on my report.

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any investigation 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 investigation ( ii ) promptly notify the furnisher of that information that the information has been deleted form the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure the b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681 s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relying to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified. by the consumer, at address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have edivence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is forcing me to give them my credit card and buy their service to get onto my free account. I have already fixed this problem once and now they are doing it again. I DO NOT WANT A PAID ACCOUNT, I DO NOT WANT TO GIVE THEM MY CREDIT CARD AND UNTIL I DO, THEY WILL NOT LET ME ON MY ACCOUNT.
Product: Credit card or prepaid card

I applied to Discover for a credit card and was denied. I had a Discover card in the past and never was late or misused the card. In fact Discover canceled the card do to inactivity. Now years later that I want to reapply for a credit card with them I am denied. The adverse letter that was sent in the mail states status of existing/ prior Discover card account. I called Discover to find out what this was about and the only answer that I got from the representative was that it just wasnt time for me to get a card. I didnt understand what that meant because my old account was in good standing.
Product: Money transfer, virtual currency, or money service

I purchased a total of {$500.00} US Ripple XRP 'S in XX/XX/2013 From Ripple Labs Inc. in XXXX XXXX, Ca. They were purchased with funds from my personal bank account through XXXX and placed into a Ripple 's Wallet : there were two or three transactions. It amounted to approximately XXXX Ripple XRP 's. XXXX credited extra Ripples for using their service. 

I was never notified of any changes and trusted this company explicitly to store my funds and be accountable. During the Spring of last year I found that the Ripple Wallet no longer existed. They directed Ripple XRP wallet holders to a new Wallet.  It was located overseas, I believe : called XXXX. They permanently shut their old Ripple wallet site down. 

I have followed all the instructions Ripple gave me on their website and have set up a XXXX Wallet. The migration directions do not work for me. I receive an error message that states my username does not exist. It should exist. 

An instructional e-mail stated I should use my secret key, which I have kept secured. I used the secret key as directed. I received an error message stating my secret key was invalid. My secret key should be valid. I never took any Ripples out. My Ripple wallet was never closed. 

Could you please assist me in receiving the Ripple XRP 's that I purchased in 2013. I will be happy to provide my username and password or the secret key or any relevant e-mails I have received from Ripple or XXXX regarding these transactions. 

Ripple has no way to communicate with customers with the exception of e-mail that does not answer the question as to what happened to my Ripple XRP 's. 

Please help me resolve this matter. 

Thank you!
Product: Credit reporting

Never worked for " XXXX XXXX XXXX ''. Worked for XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Previous work history does not include this real estate company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received an email from Experian stating " Your account has been updated. You are receiving this notification because your profile information on your Experian account has recently changed. If you did not initiate this change, please contact Experians member support at : XXXX. '' I did not make any changes to my Experian account. 
I tried to login and my login information did not work. I had a completely random password that was not used anywhere else. 
I tried to reset my password and never received the recovery emails or texts. 
My Experian account had been hacked and the email address and phone number on the account were changed by the hacker so I have been unable to recover it. 
Also on XX/XX/2024, I received a text at XXXX EST stating " Experian XXXX XXXX : you'll now receive alerts about your digital checking account. '' I never signed up for a digital checking account. 
I emailed Experian Member support and was told more information was needed. 
I called Experian and after many attempts going through the prompts I finally spoke with someone. They did not speak XXXX very well and were unable to confirm my identity over the phone. They were unable to ask me the questions without stumbling over their words and repeating the questions. The resolution was that I need to mail proof of my identity to a XXXX XXXX XXXX I am not comfortable with this considering they couldn't keep my electronic data safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed 2 Bankruptcies on my credit report
Product: Credit card or prepaid card

In year XXXX myself and my wife bought XXXX and doors from XXXX store located in XXXX XXXX XXXX salesman offered us special promotional Zero interest XXXX synchrony credit card. There was no disclosure that Interest will be charged after period of two years. As there was limit of XXXX per person so Salesman arranged two cards on mine and my wifes name. 

XXXX XXXX XXXX : credit card number XXXX XXXX XXXX XXXX XXXX XXXX : Credit card number XXXX XXXX XXXX XXXX We provided our bank information and monthly payment was detected from our personal Account. Two months ago, we received Monthly statement by mail and found out that Synchrony has been charging us XXXX XXXX interest since XX/XX/XXXX. We complained to Synchrony customer service multiple times but till date Synchrony is not will willing to waive such high-rate unauthorized interest and rather started charging us late fees. We did explain to Synchrony customer service that by law Synchrony was supposed to give us 45 days notice, but Synchrony does not seem to be concerned about legal implication. 
We want to make monthly payment if Synchrony credit our account for the unauthorized interest they charged us since XX/XX/XXXX. We also willing to borrow money from other sources to fully pay off entire amount if Synchrony accommodate our request. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The loan date XX/XX/ This the amount and the date been paid so far XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOW THE LOAN INCREASD TO {$3900.00} instead of decreasing after I did the payment showing above
Product: Debt collection

XXXX was XXXX it was removed from my XXXX XXXX and XXXX  credit reports and Ive sent supporting documents showing the removal of this account from my credit report and it was still not removed from my report hurting my score each day that this collection is on my credit report XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention another unauthorized credit inquiry made in my name on XX/XX/year>. I did not authorize this inquiry, and I am increasingly concerned about the ongoing issue of identity theft. 

Previously, I reported an unauthorized credit card application with your company on XX/XX/year>, and have filed an FTC Identity Theft Report. Given these repeated unauthorized activities, I suspect there may be a breach in your system that needs immediate investigation. 

I kindly request that you thoroughly investigate this latest inquiry and take the necessary steps to remove it from my credit report. Additionally, due to the distress and potential financial harm caused by this situation, I am seeking monetary damages. 

Your immediate attention to this matter is crucial, and I appreciate your cooperation in resolving it promptly.
Product: Checking or savings account

I have an available balance of well over {$250.00} in my account and my car payment still was returned for a slightly lesser amount of {$200.00}. They need to undo this return payment and repay it because it was their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers ' rights to access and correct their credit reports. The FCRA also sets rules for how credit reporting companies can collect and report information about consumers. 

In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) announced new rules that would require credit reporting companies to remove certain types of collections accounts from consumers ' credit reports after two years. The new rules went into effect on XX/XX/XXXX. 

Under the new rules, credit reporting companies must remove collections accounts that are : More than two years old Not disputed by the consumer Not listed as paid in full The new rules do not apply to collections accounts that are : Still within the statute of limitations for collection Involving bankruptcy For government debts, such as student loans or taxes If you have a collections account on your credit report that is more than two years old, you can request that it be removed. You can do this by contacting the credit reporting company directly or by filing a dispute with the CFPB. 

The new FCRA laws about collections older than 2 years are a major victory for consumers. These laws will help consumers improve their credit scores and access credit. They will also make it more difficult for credit reporting companies to keep inaccurate or outdated information on consumers ' credit reports. 

Here are some additional things to keep in mind about the new FCRA laws about collections older than 2 years : The new rules only apply to collections accounts that are reported on credit reports. If a collections account is not reported on your credit report, the new rules do not apply. 
The new rules do not apply to all collections accounts. The new rules only apply to collections accounts that are more than two years old, not disputed by the consumer, and not listed as paid in full. 
If you have a collections account that is more than two years old, you can request that it be removed from your credit report. You can do this by contacting the credit reporting company directly or by filing a dispute with the CFPB
Product: Student loan

I have sent certified letters and digital submissions via the internet portal. They refuse to process and provide evidence of this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my Experian report, there was a hard inquiry on XX/XX/year> by XXXX XXXX XXXX. I did not seek any credit line or credit card from XXXX XXXX at this time. This might be identity theft or an illegal inquiry on my account. Kindly investigate and have this removed from my credit report. Thank you for your kind consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX MA, XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX MA, XXXX XXXX ID # XXXX Multifamily XXXX XXXX XXXX XXXX MA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX WAY XXXX MA, XXXX Address ID # XXXX Single family ( XXXX XXXX XXXX Residential Spouse or Co-Applicant XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Account Info Account Name XXXX Account Number XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer In accordance with the Fair Credit Reporting act. The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15U.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 advance item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Hello, I purchased a car after my bankruptcy from a dealership in XXXX maryland and the finance guy did everything he could to get me a loan through santander. My interest was very high and I needed a car to go to work so I got the car back in XX/XX/XXXX. While I was working I paid my monthly payments for two years almost and lost my job on XX/XX/XXXX. The car was {$32000.00} I paid {$5000.00} down payment which I had at the time. I tried finding other jobs and I had several jobs I worked since then. Still paid my car note even though I was struggling with it. Finally I lost my job again and havent been able to make payments from XX/XX/XXXX until XX/XX/XXXX which the car was repossessed through santander. I would like to know if I have any rights due to santander applying my loan back in XXXX even though I was a high risk customer just coming out of a bankruptcy. The car was repod on XX/XX/XXXX and stander would not let me pay the missed payments saying I have to pay the whole amount which is now {$20000.00} after making payments of {$560.00} for two years. Most of the monthly payments of course went into interest only and a little amount to principal. Thanks