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

XXXX XXXX XXXX, XX/XX/2022, XXXX I submitted a dispute with XXXX regarding XXXX XXXX XXXX breaking the Gramm Leach Bliley act 15 USC 6802. The reporting of these account ( s ) is/are violation of SC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

XXXX refused to remove the creditor from my report.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681e ( b ) : Permissible Purpose : under no other circumstantial XXXX consumer information be shared unless the consumer have given written consent. 

I have written letters to XXXX  XXXX, XXXX, TransUnion and XXXX and have asked for documentation showing where I have given consent for XXXX XXXXXXXX to give my private information to the bureaus and I have asked each credit bureau for documentation where I have given them consent to obtain my private information. 

Furthermore, I DID NOT give XXXX XXXXXXXX permission to give me personal information to a 3rd party collection agency. 

XXXX XXXX ( XXXX XXXX and XXXX ) Imposes criminal liability of any officer or employer if they knowing and willfully obtain information on a consumer from a consumer reporting agency under false pretenses. 
If someone in Transunion furnished information in your consumer report from someone who did not have permissible purpose, you can that employee liable under FCRA Section 620 or 15 U.S. Code 1681n.
Product: Debt collection

I never received statements from 2016. They went to the wrong address.
Product: Debt collection

Hunter Warfield has reported a {$3300.00} collection account originating from XXXX XXXX to XXXX. I sent a debt validation letter under FDCPA 1692g, requesting documentation of my obligation to pay this debt and their authority to collect. 

Hunter Warfield has not responded with the requested validation. As required by FDCPA, they must cease all collection efforts and credit reporting until validation is provided. Their continued reporting violates FDCPA and FCRA.
Product: Prepaid card

Early XX/XX/XXXX, I received a prepaid debit card in the mail from Netspend with my name printed on it and instructions on how to call to activate it. Included in the contents of the envelope was direct deposit form. I was confused because I had not expressed interest in opening an account. I called the customer service number and confirmed through the automated system that no account existed under my social security number. XX/XX/XXXX, I received an email from XXXX Informed Delivery showing that Netspend had sent another debit card however, when I checked the mail the envelope from Netspend was not there. I called Netspend to speak to a live agent and explained that I did not want to receive pre-paid debit cards with my name on them as it's a security risk. In addition, I had not requested an account to be opened. 

Furthermore, I informed the agent that I did not want them to have access to my information and I requested information on how I can opt-out of marketing/advertisements including but not limited to having prepaid cards emailed with my full name on them and to ensure that an account is not opened in my name because in XXXX my wallet was stolen along with my SS card and Identification. The live agent informed me that there was no way he could prevent me from receiving future preprinted prepaid cards, to opt out of marketing/advertisements or to limit access to my personal information within their system. This is a violation of financial privacy rights as well as unfair consumer trade practices.
Product: Credit reporting

My enrollment at the University XXXX was from XXXX XXXX through XXXX XXXX XXXX. 
Then I enrolled at XXXX XXXX University for fall XXXX. However, I once I graduated from the University XXXX XXXX I had a grace period of 6 months on my loans. 
XXXX Loan was opened XXXX XXXX, XXXX and one was a Subsidized Federal Stafford Loans in the amount of {$2100.00} and Unsubsidized Federal Stafford Loans in the amount of {$3000.00}. Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
According to federal law : The grace period is a set period of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. The grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest will accrue during your grace period. 
Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
Graduate and professional student borrowers with Direct PLUS loans that were first disbursed on or after XXXX XXXX, XXXX receive an automatic deferment while in school and a 6-month deferment after they graduate, leave school, or drop below half-time enrollment, which is comparable to a grace period. 

Therefore, I was not liable to pay this account until XXXX XXXX. At this time I had received an in school deferment and I was enrolled at XXXX XXXX University. At this time, I ask that you remove the 60 day late payment immediately off of my account and credit report.
Product: Mortgage

First mortgage with XXXX is current. 
BB+T is forcloseing on a HELOC, and I have prodigy reality representing me at this time. 
Bb+ t has a value of {$310000.00}, after over XXXX showings, no one is coming to the minimum threshold sale price of {$300000.00}. 

I would respectfully request bb+ t, to order an independent appraisal, and based on the results, potentially lower net amount amount bb+ t will accept, or modify my our HELOC. 
It was never our intention to loose our home. We love living here. 

XXXX Is our mitigation specialist. Cell XXXX. XXXX, Florida XXXX
Product: Mortgage

I have perfect credit and received a favorable loan estimate from Quicken Loans for the RE-finance of my Condo. While the loan was in underwriting, a person proceeded to tell me they cant move forward with the loan because it wasnt my primary residence. I provided all documents proving my Condo is my primary residence and that I own no other house but they insisted I dont live there. I paid for an appraisal {$500.00} and they kept my money.
Product: Consumer Loan

I do n't know why it took me so long, but realized that my car payment allotment should 've stop. I had a {$300.00} allotment coming out of my each paycheck. So every other Friday I was making a payment. I contacted Wells Fargo Dealer Services on XX/XX/XXXX at pm to find out my balance. They told me they had to contact the Bankruptcy Trustee before they could give me any information and I had to call back in 2 hours. I called back the next day ( XX/XX/XXXX ) to find out my balance and was told that I did n't have a balance. I asked them when my final payment was and the rep said that she could n't tell from my account because it was charged off and had to send a request to a different department and that it would take 24 to 48 hours to get an answer and I had to call back. So I called back on Monday ( XX/XX/XXXX ) and the rep still could n't tell me anything. I asked to speak to a supervisor and I was passed to XXXX and she told me that my final payment was made on XX/XX/XXXX, that would have been my XX/XX/XXXX paycheck. I was told to call back within 24 to 48 hours again for to let the Bankruptcy rep to work on my refund. Since then an automatic payments were sent on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I called back on XXXX to follow up on my refund and I was told that a check for {$700.00} was sent. The number is completely incorrect and I spoke to XXXX the supervisor and told her that if my last payment was XX/XX/XXXX, there was still 4 payments sent since then. I am not sure how they got {$700.00} since {$300.00} evenly was sent every two weeks and they fact that 4 payments have been sent since XX/XX/XXXX. I went back and counted all of my payments starting in XX/XX/XXXX. Over all I 've paid them {$15000.00}. 
XX/XX/XXXX - XX/XX/XXXX {$1300.00} XX/XX/XXXX - XX/XX/XXXX {$8100.00} XX/XX/XXXX - XX/XX/XXXX {$5700.00} - This total what I 've paid them all noted within the transaction information they sent. If I go by what the Trustee stated I owned Wells Fargo it was {$13000.00}. If I go by what they had on that transaction sheet they sent me it was {$13000.00}. Either way I am owned more the {$780.00}. I contacted them on XX/XX/XXXX and gave them this exact breakdown. I followed up Tuesday XX/XX/XXXX and the Bankruptcy manage is still working on it. Called back today XX/XX/XXXX and was told by the Supervisor XXXX that the Bankruptcy manager still has n't looked to the follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion won't remove a collection from XXXX XXXX XXXX XXXX XXXX XXXXXXXX first XXXX won't provide documentation that this collection belongs to me. second there not licensed in my state of California. Therefore, it's illegal and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX XXXX but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Tek-collect is attempting to collect a debt I do not. XXXX Ive requested them to validate this debt on more than one occasion. I also requested the following : In accordance with the FDCPA, please provide the following : 1. The name and address of the original creditor.

2. A detailed itemization of the alleged debt, including how the amount of {$1200.00} was calculated.

3. A copy of any judgment ( if applicable ).

4. A copy of the original signed contract or agreement, or other proof that I have a legal obligation to pay.

5. Verification that you are legally authorized to collect debts in my state.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX INQUIRES HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 MI WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Collection Agency XXXX XXXX XXXX Acct # XXXX in the amount of {XXXX} has placed erroneous details on my consumer credit report, in which is currently causing me collateral damages for an investment deal in the amount of {XXXX}. UCC-9 Part 6 ( 9-625 ) REMEDIES FOR SECURED PARTY 'S FAILURE TO COMPL WITH ARTICLE. 
( a ) Judicial orders concerning noncompliance. 
( b ) Damages for non compliance states subjects to subsections ( c ), ( d ) and ( f ) a person is liable for damages in the amount of ANY loss caused by a failure to comply NCB and XXXX failed to provide me with proof of receipt of the pre-sale letter advising the vehicle is being sold in a public/private sector/auction. 

15 U.S. Code 1681 ( a ) Fair Credit Reporting Act # 2 exclusions 15 U.S. Code 1605 Truth in Lending Act Finance Charges includes an insurance premium that covers a lender if a obligor defaults or other credit loss is embedded in the finance charges. NCB and XXXX XXXX XXXX list the alleged debt as charge-off/collection inaccurate reporting ; a charge-off is a cancelled debt therefore XXXX collected the insurance premiums, list the account as a charge-off, which means XXXX XXXX XXXX not only collected the insurance but also got a tax deduction, then further went to sell this alleged debt to a debt collection agency ( NCB ) or debt buyer which means XXXX  got paid 3x on this alleged debt not to mention insurance and tax fraud. I will pursue remedy for collateral damages on this current real estate investment deal and any other future real estate investment deal after resulting in denial due to this inaccurate reporting on my consumer report by NCB and XXXX XXXX XXXX until this account is deleted and removed from my consumer report. Inaccurate and erroneous reporting 15 U.S. Code 1681b permissible purposes of consumer reports.

IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requesting cease and desist the reporting of incorrect/inaccurate information immediately.
Product: Credit reporting or other personal consumer reports

I've requested 3 times for Experian to remove an inaccurate address from the person info section of my credit report. They refuse to remove it and have nor provided any documentation or proof as to why it remains. Per FCRA law, info on my credit report must be accurate or deleted. This is frustrating that I continue to have an address that is not mine on my credit report and I have recently been a victim of fraud, possibly due to this incorrect address on my report. 

Address in question : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelle handling of disputes. CFPB lawsuit highlights significant issues with the platform using zelle numerous times and reporting issues my financial institution and Zelle failed to investigate my claims properly. I was informed that the recovering of loss funds was impossible and all transactions are unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers. This lack of accountability and transparency is unacceptable and raises serious concerns and consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX should not be reporting to XXXX and Experian a collection/chargeoff in the amount of {$3400.00} on THE XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) On XXXX I provided the apartment manager a formal written notice, signed by a notary, that I would be vacating the premises and terminating my lease that was ending on XXXX. This notice was provided within the ( 60 ) day time period outlined in my lease. I have attached a copy of the written notice which was notarized for reference. This account is not in collections, there is no outstanding debt owed. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted The XXXX Apartments, as well as the bureaus to remove this however, I have not been successful.
Product: Credit card

Account was open in my name due to fraud i haven't open account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I filed a dispute on XXXX XXXX XXXX asking for this inaccurate debt be removed from my credit report. I also sent a debt validation and verification letter. Its still reporting on my credit report
Product: Credit reporting or other personal consumer reports

I never heard back from them.iam filing this claim complaint with you all against Experian they have wrong addresses, closed accounts that is not mine, just makinng it hard for me to get ahead in life
Product: Credit reporting, credit repair services, or other personal consumer reports

Tidewater Finance company has reported inaccurate credit reporting information of amount owed since 2016. I have contacted Tidewater by mail as well as submitted two ( 2 ) disputes to XXXX, XXXX and XXXX. The years of inaccurate credit reporting are multiple violations of the fair credit reporting act. I have complained and sent in proof of violations of inaccurate reporting, yet each bureau continues to allow inaccurate reporting. Tidewater Finance Company is well aware of the inaccurate information because we have been to Federal court regarding the inaccurate reporting.
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 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate these accounts for me to ensure accuracy Here are the accounts I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX XXXX - XX/XX/XXXX - {$120.00} XXXX - XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Experian XXXX Department. I 'm victim of Identity Theft. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my creditr report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. 

I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXXXX/XX/XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. 

Once again they reported the same account closed several times twice also with different closing dates and date of last payment. 

Such as Account closed on XX/XX/year>, the same account closed again on XX/XX/year> and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? 

XXXX. How can you say you call the company and verified reporting inaccurate information? 

XXXX. How can you close the same account twice at the same time on a credit report? This is inaccurate and violation of FCRA laws. 

I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 

Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully refuse to remove the inaccurate information from my credit report. 

If they fail to remove these XXXX items for my credit file i will move to file a FCRA complaint in XXXXXX/XX/XXXX where i will ask for compensatory and punitive damages for {$180000.00} for the damages this inaccurate reporting have caused me for the past 24 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters out over 60 days ago and have not been notified as a consumer I feel these clowns are taking advantage of normal people.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Chex Systems XXXX Inc., has violated the Fair Credit Reporting Act ( FCRA ) by way of failing to follow reasonable procedures to assure maximum possible accuracy, failing to have permissible purpose, in addition to reporting inaccurate information, and failing to DELETE inaccurate information. If Chex Systems XXXX Inc., fails to comply with this notice will result in legal action being taken. Thank you for your timely cooperation. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.