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

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Heres the list of the questionable items : XXXX XXXX XXXX XXXX XXXX XXXX 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 I XXXX XXXX XXXX have not applied for a loan or tried for a long time and this is a payday loan company called CashNet USA. I have not to pull a business or personal loan at all and would all say there is a guy as well trying to still my company name? I am reporting these issues because this particular company or person ( s ). Are trying and keep trying to still my business and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an ongoing matter that I am unable to solve on my own after many attempts with the credit reporting agencies XXXX, XXXX, and Transunion, regarding the following accounts, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have written several dispute letters, all sent via certified mail with proof of delivery. I informed the aforementioned reporting agencies of the many inaccuracies listed on my consumer report. I pointed out several inconsistencies of information reporting between them as well. I also enclosed my consumer report with each of these disputes, and made sure to point out each and every error that I noticed by circling and or highlighting the disputed information with an explanation provided. The reporting agencies have not responded to me, nor did they remove any of the disputed items above. I do not believe they are taking this matter serious, and are fairly addressing the matter at hand. I have no indication that any true or reasonable investigations has taken place. 15 U.S. Code 1681i details the rules and procedures that the reporting agencies are to follow when accuracy is being disputed. They did not follow these rules. Secondly, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states that because I have a reason to believe that information being reported in inaccurate, the financial institutions are not to furnish such disputed information onto my report until it can be verified. The furnishers above continued reporting during each and every dispute process. Lastly, I have no idea how these financial institutions were able to gain access to my personal information. Per 15 U.S. Code 6801 and 15 U.S. Code 6802, my private nonpublic personal information is not to be shared with nonaffiliated third parties without my expressed consent, which I never gave them! The law states that these financial institutions must clearly and conspicuously disclose to me and provide me with the option to opt out of reporting. I was never given this choice! This is a clear case of identity theft! I do not see any attempts to protect the privacy and confidentiality of my information per Congressional findings under 15 U.S. Code 1681 ( a ) ( 4 ) and 15 U.S. Code 1681 ( b ) " Reasonable procedures ''.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion regarding two inaccurate and unverifiable dismissed XXXX  XXXX bankruptcies that are being reported on my credit file. 

The details of these accounts are : 1. Bankruptcy Case Reference Number : XXXX Date Filed : XX/XX/XXXX Court Name Listed : U.S. Bankruptcy Court Closing Date : XX/XX/XXXX 2. Bankruptcy Case Reference Number : XXXX Date Filed : XX/XX/XXXX Court Name Listed : U.S. Bankruptcy Court Closing Date : XX/XX/XXXX Upon checking with the U.S. Bankruptcy Court via PACER, I have confirmed that TransUnion did not obtain these records directly from the court. This is a violation of 15 U.S.C. 1681e ( b ) ( FCRA ), which mandates that credit reporting agencies maintain maximum possible accuracy in their reporting. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ), I am entitled to a full and fair reinvestigation of disputed information. I have previously disputed these bankruptcies, but TransUnion failed to provide evidence of direct verification from the court, which constitutes a willful violation of the FCRA.
Product: Checking or savings account

Opened Bank account with {$15000.00} in funding split between Savings and Checking for {$400.00} bonus as seen here. 

XXXX XXXX XXXX XXXX XXXX XXXX Account was opened on XX/XX/XXXX.  Bonus terms said money had to be in account for 60 days. No bonus was posted after. Contacted Citi multiple times and still no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX and XXXX is reporting serval duplicate inquires that I didnt do and would not remove them especially transunion and XXXX I had a freeze on my accounts and yet not being notified if Im authorizing a creditor to obtain information I want all my inquires removed especially all the doubles triple inquires I have
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been disputing these inquiries since they happened and no resolution
Product: Debt collection

am writing to file a formal complaint regarding a debt collection issue. I have been contacted by [ Name of the Debt Collection Agency ] in relation to an alleged debt that I believe is incorrect or has been mishandled. Below are the details of my dispute : 3. Alleged Debt Amount 4. Disputed Issue : dispute the debt I do not owe this debt, The amount is incorrect, The debt was paid, I was not notified properly, etc. ] 5. Actions Taken : i have sent over four disputes to the credit bureaus to resolve the issue, such as contacting the collector, requesting validation, e I believe the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits practices such as [ list violations, such as improper communication, harassment, failure to validate debt, etc. ]. Specifically, the issues I am experiencing include :
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information.

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries DEPT OF ED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I reached out to the company and the person on my case is always rude. He told me about how if i do not decide to pay that my credit will drop more because they will be charging more interest or rate on it. After that phone call we talked again the next day and same person refused to take my call and gave it to somebody else that told me they were busy. They brought up on how i even tried to make a payment before and it made no impact so that i need to just pay the whole thing so that im not getting charged interest daily on my collection. I was also told that I recently ran my credit to apply for a car loan and that i should just pay my medical collection. 
Its really embarrassing knowing that not just one or two people but multiple people know my personal medical information and history and my credit information as well as if I recently ran my credit. I also need a break down of what was done at the medical facility for me to receive a high medical bill from only a 2 hour visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. 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 XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Vehicle loan or lease

ACCOUNT AUTO LOAN # XXXX Agreement Dated : XXXX-2015 It has come to my attention that the Promissory Note/Agreement which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. 
It was requested in writing to FORD CREDIT, to provide me with certified copies, front and back, of the original Promissory Note/Agreement which I signed and presented to the Bank in this transaction. 
The lawful authority which I authorized the Bank to engage in, the sale of an unregistered Security, in this transaction as an unlawful sale of an unregistered security in violation of state statute*. 
It has also come to my attention that shortly after the closing, that the Bank deposited said Promissory Note as a cash item and ledgered said Note as a liability in the banks Payables Account and identified ME as the Creditor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. 
It is also my understanding that the Bank/FORD CREDIT, in accordance with GAAP, may have ledgered the Mortgage, as an asset in the banks Receivables Account and identified ME as the debtor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. 
It has come to my attention that the Promissory Note/Agreement which I executed may have been altered as I asked for certified/notarized copies. 
It has come to my attention that the endorsement of said Promissory Note/Agreement for funding the loan may have been done by FORD CREDIT, and is in violation of state statutes and was not disclosed. 
In other words this auto loan by FORD CREDIT was pre-paid with my credit ; there was never ANY LOAN, only purporting a loan existed. In other words *VOID AB INITIO . 
The term void ab initio, which means " to be treated as invalid from the outset, '' comes from adding the Latin phrase ab initio ( from the beginning ) as a qualifier. 

*UCC 3-104 ( a ) & ( c ) and UCC 105 ( a ) ( c ) makes it clear that I was the Issuer, Drawer, Maker of the Note that I executed, giving it value, at the closing, while UCC 8-102 ( 12 ), ( 15 ), ( 9 ) and UCC 8-105 leaves no doubt that I am the holder of the entitlement right to the funds. I am the Creditor and entitlement holder with the authority to issue Entitlement Orders as concerns this transaction and/or this account. 
I also requested : All payments paid to date will need to be sent back to me, the address listed on the Agreement, estimated at {$7300.00}, US Dollars as this loan was pre-paid with my credit. *VOID AB INITIO. 

All responses from FORD CREDITs employees, were not substantiated and all to be considered hearsay.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Midland 's policy, they will delete an account from the credit report when the account has been paid in full. I've reached out to the company several times to find out when this will happen and they have not responded to my inquiries.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to address significant concerns related to potential violations of the Fair Credit Reporting Act ( FCRA ) by consumer reporting agencies, namely XXXX, XXXX, and Equifax, as well as the financial institution, XXXX XXXX XXXX. 

Citing 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies bear the responsibility of exercising their duties with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Simultaneously, 15 USC 6801 establishes Congress 's policy, stipulating that financial institutions, including XXXX XXXX XXXX, are obligated to affirmatively and continually respect the privacy of consumers and safeguard the security and confidentiality of nonpublic personal information. 
Referring to 15 USC 1681 section 604a section 2, it is underscored that consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. As of this communication, neither XXXX XXXX XXXX nor the consumer reporting agencies, XXXX, XXXX, and Equifax, possess my explicit written consent to furnish my information. 

In light of the above, I am formally revoking any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, that may have been granted to XXXX, XXXX, Equifax, and XXXX XXXX XXXX, as per 15 USC 6802 ( b ) ( c ). Notably, XXXX XXXX XXXX failed to inform me of my right to exercise the nondisclosure option, as mandated by the same statute. 

Moreover, 15 USC 1681 ( c ) ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization. The reported account constitutes an adverse item reported without my explicit permission, in violation of 15 USC 1681s-2 ( A ) ( 1 ) ( a ).

Under 15 USC 1681E, consumer reporting agencies are required to maintain reasonable procedures to avoid violations. It has come to my attention that XXXX may not be adhering to these prescribed standards.

In accordance with 12 CFR 1016.7, I am formally exercising my right to opt out of adverse reporting services. I kindly request your immediate attention and resolution of these matters. Your prompt response to this serious concern is highly anticipated and appreciated.
Product: Vehicle loan or lease

After my vehicle was repossessed, I requested documentation from North State Acceptance to verify the account, specifically the auction receipt. While they provided some documents, they initially refused to provide the auction receipt, which is critical for verifying the accuracy of the deficiency balance. Only after filing a complaint with the CFPB did they decide to release this information, highlighting inconsistencies in their handling of my account. These actions have caused confusion and raised concerns about their compliance with the law.
Product: Credit reporting or other personal consumer reports

I have asked several times by phone for XXXX addresses be removed from my credit report. In the past a representative acted as if the information was removed ( XX/XX/XXXX ). It was not. Fast forward to today, ( XX/XX/XXXX ) and I encounter a very rude representative who argued that he wouldn't remove anything.
Product: Credit reporting

XXXX XXXX and XXXX XXXX XXXX are reported as open. They were both included in my Bankrupcy which was settel in XXXX in 2015. Both have been
Product: Checking or savings account

This is in reference to a Bank of America claim. The merchant issued me a credit for a returned item in the amount of {$1600.00} on XX/XX/XXXX. Bank of America says they did not receive it and I opened up a claim with B of A on XX/XX/XXXX. They say that their policy is to keep me informed of the status of my claim and I have heard nothing. However, each time I call to check the status, all I get are different lies from their staff. When looking at my online account, it says " there are no active cases '' which gives me the impression that they have made no moves on this claim since the date I filed on XX/XX/XXXX. Another person told me that they sent a computer-generated letter to the merchant but the letter doesn't have a date, which is another lie because the date would have been automatically generated with the letter. I have reached out to the CEO of Bank of America and have gotten no response. I have been a consumer with the bank since XXXX and I have put up with their nonsense and incompetent staff for a very long time and I am tired of it! They need to train their staff to be truthful ( although you shouldn't have to train a person to tell the truth ).
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I requet your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

On XX/XX/2023 I made a purchase with a company called XXXX, they are a web base business that claims to be able to network unlock your phone to use on any carrier for service. I paid the XXXX the process and immediately their service came up with a message saying Error can not unlock! The company stated that the phone would have to request a code at startup and claimed mine did not have that feature and gave me 1 free unlock in the future for my use. I told them I didn't want the credit and in fact my phone did indeed request a code at startup. We never reached a resolution so I disputed the transaction with cash app. Within 5 minutes cash app denied my dispute, I requested additional documentation and they have refused to comply
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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 seven year
s.

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

That was sold to another party and re-inserted into my credit without a 1099C or without notifying me that they were reinserting into my credit 15usc1681i ( a ) 6 ( b ) 3 15usc 1681i ( a ) ( 5 ) b 15usc 1681i ( a ) 1
Product: Credit reporting or other personal consumer reports

I live in XXXX, XXXX. I moved into an XXXX  XX/XX/2024 ( the date my lease began. ) I received a bill from XXXX XXXX XXXX ( XXXX ) for XXXX through XXXX XXXX XXXX under my name. I was not living at the residence at that time and the lease was not under my name during those dates. 

I called XXXX and they reported that Experian ran a credit check on me in XX/XX/2024 when I signed the lease for the apartment, although it was not set to begin until XXXX. 

XXXX reported that when Experian ran this credit check, I was signed up for service with XXXX at that time. I was signed up without my knowledge or consent. 

I am concerned about the privacy and usage of my personal data and identifiers without my permission. 

I am unclear if this is the fault of Experian or XXXX. 
I have filed a dispute with XXXX but am unable to get in contact with a representative at Experian.