23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXount Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 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

XX/XX/2023 XXXX  He gave 2 Hard Inquiry the same day in Transunion and XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX Account XXXX : # XXXX XXXX XXXX XXXX XXXX Account name : # XXXX XXXX  XXXX Account name : # XXXX XXXX Account name : # XXXX XXXX XXXX XXXX  Account name : # XXXXXXXX XXXX XXXX XXXX  Account name : # XXXX XXXX XXXXXXXX XXXX XXXX Account name : # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : 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 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 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.

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

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 years.

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

There are non-mailable addresses on my credit report and they do not belong there. They were never my addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I report fraud on my XXXX XXXX XXXX  ; Investigation was initiated. They cancelled old card, issued new card ; and waived the fraud charges ( see copy of email uploaded ). I have sent two certified letters now to XXXX credit Bureau to correct that information and a third letter being sent tomorrow XX/XX/XXXX but they correct it and then a week or so later they deduct my points referencing the same fraudulent credit card. I have sent them activity summary provided by XXXX  ( see uploaded copy ), but again they have not addressed that issue.
Product: Credit reporting or other personal consumer reports

Equifax sent me a letter that I received today and it says They were unable to locate a file in our data base. I called them and after about an hour they left me on hold and then hung up on me. I have a mixed file with someone with very similar information to me and I have a mixed file. Equifax will not help me get this situation straightened out and it is really hurting my credit. I requested a supervisor to help me with this and they said Equifax does not have this type of person. I have sent them multiple times copies of my Drivers license and social security card and Electric bill. They have me mixed with a similar person and they will not help me with this and I have been trying to get this situation fixed for over a year now. I have my Equifax monitoring service free from the data breach from 2017 that had happened to me and the report shows things that are not mine in it. Have have disputed these items for over a year now and they will not investigate anything. Now I do not have a credit file with them. They will not let me do a temp freeze lift so my bank can look at my yearly report. 
Things are really messed up here.
Product: Debt collection

Spring Oaks Capital LLC is reporting a collection that has not been verified. I am not aware of what the original company is and asked Spring Oaks Captial LLC by certified mail for verification of the debt they are reporting. They have not verified this debt and it has been over 30 days since the letter was sent to the company.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Inaccurate Credit Report Information under FCRA To Whom It May Concern, I am writing to formally dispute the inaccurate and erroneous information appearing in my credit reports maintained by TransUnion and XXXX. As a veteran of the United States military, these inaccuracies have caused substantial harm to my financial standing and creditworthiness. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 and 623, I demand an immediate investigation and correction of the following erroneous entries related to my XXXX XXXX account : TransUnion : Account Number : XXXX Account Type : Revolving ( Charge account ) XXXX Code : Individual Account Status : Open Monthly Payment : {$230.00} Date Opened : XX/XX/XXXX Balance : {$8100.00} High Credit : {$8400.00} Credit Limit : {$8200.00} Past Due : {$400.00} Payment Status : Late 60 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Payment History : [ Detailed payment history ] XXXX : Account Number : XXXX Account Type : Revolving ( Charge account ) XXXX Code : Individual Account Status : Open Monthly Payment : {$230.00} Date Opened : XX/XX/XXXX Balance : {$8100.00} High Credit : {$8400.00} Credit Limit : {$8200.00} Past Due : {$400.00} Payment Status : Late 30 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Payment History : [ Detailed payment history ] The inaccuracies are as follows : Inconsistent Payment Status : TransUnion reports a payment status of " Late 60 Days, '' while XXXX reports `` Late 30 Days. '' This inconsistency is a blatant violation of the FCRA 's requirement for accurate reporting as outlined in Section 623. 
Inconsistent Date of Last Activity : TransUnion lists the date of last activity as XX/XX/XXXX, whereas XXXX lists it as XX/XX/XXXX. This discrepancy violates the FCRAs mandate for accuracy and completeness under Section 611. 
Erroneous Late Payment Reporting : The reported late payments are inaccurate as I have consistently made timely payments. This erroneous reporting is not only unjust but also a direct violation of the FCRA. 
Enclosed are copies of my account statements and payment receipts which irrefutably demonstrate my compliance with all payment obligations. I demand an immediate and thorough investigation into these discrepancies. 

Under Section 611 of the FCRA, you are legally obligated to complete this investigation within 30 days. Should these inaccuracies not be resolved within the stipulated timeframe, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and will not hesitate to seek all available legal remedies under Section 623. 

This dispute is of the utmost urgency and requires your immediate attention. Please confirm receipt of this letter and provide me with a corrected copy of my credit report post-investigation. Additionally, notify all parties who have accessed my credit report in the past six months of these corrections. 

Thank you for your prompt attention to this urgent matter.
Product: Debt collection

This was a Medical Bill of which I have Full Coverage and was Paid by my provider XXXX XXXX. The check reference # XXXX was PAID in Full to XXXX XXXX XXXX XXXX on XXXX 

However, a Collection Agency Name PLUSFOUR , INC has been trying to collect this same debt which I do Not OWE. The was PAID IN FULL By my insurance provider. So today I called XXXX to ask who they were and why they report this account to collection. They said the account was PAID and that they wanted to Charge me to have it removed from my Credit. 

Obviously, it sounds like a Scam and now I am reporting it to you the regulator.
Product: Mortgage

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019.
Product: Student loan

I began working for organizations that qualified for the Public Service Loan Forgiveness Program in XX/XX/XXXX I advised Navient that I intended to utilize this program. They did not advise to transfer my loans over or XXXX XXXX to begin the program, but said that I should make payments through them. They advised me in XX/XX/XXXX to consolidate my loans and again I advised them I was working for a XXXX that qualified for PSFL. I learned after consolidating that I will now receive no credit for my payments fromXX/XX/XXXX-XX/XX/XXXX Their response to my complaint was that there was nothing they can do but advise those representatives to give different advice in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXX XXXX XXXX  - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX XXXX XXXX  - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - 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 XXXX XXXX XXXX XXXXXXXX The personal data reporting is inaccurate. 

XXXXXXXX XXXX XXXX XXXXXXXX - XXXX term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


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 4 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 IMMEDIATELY!

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 to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have disputed a bankruptcy with the three bureaus in the past few months. 

XXXX has deleted it. Transunion and XXXX continue to report the bankruptcy. I have disputed with Transunion and XXXX numerous times. Transunion will not let me dispute the bankruptcy again. 

I reached out to XXXX XXXX and they don't have a bankruptcy listed. The bankruptcy is currently in dispute with XXXX. Transunion continues to reject my disputes as of Sunday. 

This should not be on my reports because it isn't mine. 

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

XXXX, XXXX, and Equifax- I demand you to comply. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the mailed letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Money transfer, virtual currency, or money service

Regarding PAYPAL : I was told any PayPal account can not be closed if there has been any transaction in the past 180 days. The type of transaction does not matter-the account can not be closed. I understand if a transaction is pending, but this is a totally cut and dry account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opening this complaint in response to XXXX XXXX XXXX  not doing anything with previous complaint XXXX. XXXX response to previous complaint is that it thinks it is correct to list the date of 1st delinquency as the date a tenant presumably moved out of an apartment. This is grossly incorrect. The date of 1st delinquency should be the date the tenant was delinquent with the client XXXX is collecting for. Clearly XXXX XXXX XXXX filed an Eviction in 2017 and received a Writ Of Resitution in 2017 XXXX XX/XX/2017 ). XXXX XXXX XXXX can contact the XXXX County Courthouse and pull registry of action # XXXX to verify this information or contact XXXX XXXX XXXX. Listing an incorrect date of 1st delinquency is a clear FCRA violation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was sent a refund of {$250.00} for an item purchased from XXXX. PayPal noticed me on XX/XX/XXXX that a " eCheck payment was declined by the sender 's bank. We will automatically try to process this payment again in 3 business days. It then usually takes 3-5 days for the money to be deposited into your account. Please do not ship items until you receive payment ''. This was a refund and I was not the individual shipping the items. I was the buyer and not the seller. I called PayPal on XX/XX/XXXX and they indicated that they could not do anything but wait for the transfer.
Product: Credit card or prepaid card

I get my money through a bank called chime, the last few months I had to file dispute through them for unauthorized charges and they refused to refund my money plus had XXXX dollars in savings and it came up missing.
Product: Vehicle loan or lease

I sent a letter to Santander bank in XXXX of 2024. Santander bank settled a lawsuit involving predatory lending and my car was purchased at the time of the lawsuit. My loan was complete, according to the lawsuit but Santander hangs up when I call and says they do not have a loan for me or any of my information. However they have a lien on the title of my car and the XXXX says they must fill out a XXXX release form so that I can get my title to my vehicle. 

( Santander XXXX XXXX XXXX XXXX for {$550.00} XXXX ) https : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a letter disputing two collection accounts. 

On XX/XX/2023, I submitted a demand letter requesting removal since the XXXX had not verified and or removed the collections. 

See attached.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I need the transaction history records for my Fidelity Visa credit card going back five years from now ( i.e., to XXXX, XXXX ). This credit card is currently controlled by Elan Financial Services who took control of the card from XXXX  XXXX XXXX in XXXX, XXXX. Elan has provided me with my transaction records going back to XXXX. Elan has repeatedly told me by phone and by the attached fax that they can not provide me with records prior to XXXX, XXXX. Elan suggested that I get the records from XXXX XXXX  XXXX ; however, XXXX   XXXX XXXX has repeatedly told me by phone that these records were given to Elan Financial Services when they took over the card. Does changing control of a credit card from one company to another render prior transaction history inaccessible to customers?
Product: Credit reporting or other personal consumer reports

XXXX account had been removed and blocked from my credit report. They 2 days later put it back on my account which is illegal!!! 

XXXX. XXXX nor the credit bureau sent me any information in writing showing that information was accurate. 

No one has sent me information showing me that I signed anything with my personal signature. XXXX only stated what was purchased which isnt proof that I purchased anything. 

XXXX. I was suppose to be notified of these in writing within 5 days which was not done. 

I was notified of nothing. I keep saying this account is not mine and all XXXX keeps trying to do is say its mine and what was no proof. There is no hard copy evidence given to me at all. 

You XXXX are not above the law and Im willing to take this as far as possible. I will inform my lawyer as well take this issue to court small claims and so forth. I will take this federal because you have failed to follow the law I have requested several times for written proof and you have failed to do so. I have repeatedly sent in information showing and saying this account was fraudulent. So it needs to be removed at once.
Product: Debt collection

I did not know of this debt until I check my credit score on XXXX XXXX, It show I did not pay a debt from XXXX of {$610.00}. I never recieved a bill from XXXX or a notification from Sequium Asset Solutions about a debt collection. I think it maybe fraudulent account or identity theft. 

SEQUIUM ASSET SOLUTIONS, XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this collection account. 
CONTACT INFORMATION SEQUIUM ASSET SOLUTIONS, XXXX, GA XXXX SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/2019 {$610.00} Open balance XXXX XXXX Original creditor I have no documentation showing this bill.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of fraud, and I have discovered that XXXX, XXXX, and TransUnion are reporting inaccurate information on my credit reports as a result. 
I recently learned that my personal information, including my Social Security number, has been compromised. Unauthorized individuals have opened accounts in my name. Upon reviewing my credit reports from the XXXX major credit bureaus, I found several inaccuracies that are negatively affecting my XXXX XXXX. 
The following accounts are inaccurately reported on my credit report as a result of identity theft : - XXXX XXXX XXXX : {$32000.00} - XXXX XXXX XXXX {$14000.00} - XXXX XXXX  : {$25000.00} - XXXX XXXX XXXX XXXX {$6400.00} These accounts do not belong to me, and I have not authorized any transactions or agreements related to them. 

The presence of this false information has caused me significant distress and has impacted my ability to manage my finances. Im concerned about the long-term implications for my creditworthiness and overall financial health. 

XXXX. I have contacted each credit bureau to dispute these inaccuracies and requested a fraud alert on my accounts. 
XXXX. I filed a report with the local police department related to the fraud. 
XXXX. I am actively monitoring my accounts and reporting any unauthorized activity to my financial institutions. 

I seek your assistance in correcting these errors on my credit reports and ensuring my information is accurately represented to prevent further negative impacts on my credit. 

Thank you for your attention to this urgent matter. I hope to resolve this situation promptly. 

-- -