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

XXXX, XXXX are reporting inaccurate information. Violating Privacy Act of 1974 and helping commit security fraud. They have collections in my account that I never signed a contract with RADIUS XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX As a Federally protected consumer I am opting out of XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX  Opt out XXXX Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party. All 3 major credit reporting agencies are third party. I tried and nothing. All three credit reports have non-public personal information. Only inquiry I should have is the XXXX XXXX Bank. Any other inquiry needs to be removed. I never gave written consent nor do I have any form of credit, open end credit, mortgage or conducting business. 



15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers Nonpublic Personal Information ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers that is derived using any personally identifiable financial information that is not publicly available.

Nonpublic personal information means : ( i ) Personally identifiable financial information ; EXAMPLES : Personally identifiable financial information includes : ( A ) Information a consumer provides to you on an application to obtain a loan, credit card, or other financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; Certificate of indebtedness according to IRS publication is considered income and income is not supposed to be part of credit report.

1681b. Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. Opt out
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments have been deferred since day one on my student loans due to my family size versus my income. My loan payments have been reported late after I have completed all necessary paperwork and mailed it to the correct places. The first loan payment I have every made was this month XXXX. Before this date I have always been deferred on all of my student loan payments. One credit company removed all late payment from my report just recently after I filled a complaint. I filled the same complaint with Transunion and they did not remove the late payment. I could have never been late when all have been deferred for the life of the loan. This has cost me thousands in interest fees on other loans due to them reporting me late. Please remove all late payments from my report on all student loans since they could have never been late based on all loans being deferred for the entire life of the loan until XXXX. As of XXXX I started making income based payments on my student loans since I now make enough money versus my family size to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints with TransUnion, both directly and through CFPB, and have not received one response. 

That said, I just received this on their site : " INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Original Creditor ; Payment Received. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX '' I HAVE NO IDEA WHAT THIS MEANS and their comment ( above ) " Original Creditor ; Payment Received, '' is nonsense. I don't even know who the original creditor was!!! 

I'm filing this, again on the advice of my attorney, through CFPB rather than with Transunion. 

It would be great if someone at CFPB would read my complaints and intervene.
Product: Debt collection

On XX/XX/2016, I was working for a company called XXXX XXXX. Address is XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX Phone - XXXX Owner - XXXX XXXX and XXXX XXXX I was injured at work by a machine that was neglected by the owner. They took me to a XXXX XXXX to get stitches. I was never given any paperwork. Everything was taken care of by XXXX XXXX and he told me it was all through XXXX  XXXX. I had never been through anything XXXX  XXXX  related so I was unaware of how the process worked. Later on I found out he never actually filed anything through XXXX XXXX and committed insurance fraud by lying on the forms. The bill was never paid and I started to receive calls and letters in the mail a year later and have XXXX coming after me for {$1000.00}. Now they harass me calling constantly and even calling my new place of employment! This is embarrassing and humiliating and also wrong and illegal and any debt needs to be resolved with XXXX XXXX and his company XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, XXXX, block information appearing on my credit report that is the result of identity theft and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX on XX/XX/year> under account number XXXX. I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, Experian, block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Product: Student loan

Reached out to company regarding a loan forgiveness program. Provided all requested documents. Company is stating that I need to provide documents in analtered format to qualify for the program. Already provided lawful documents according to application and have fax confirmation of transaction. Company is attempting to bypass paperwork and make me responsible for remaining student loan of XXXX, instead of forgiving loan according to the law. Additional fax confirmation sent on XX/XX/XXXX to XXXX XXXX of Missouri Attorney General Office to speak on consumers behalf - XXXX Nelnet.SSDI recipient and forwarded to Department of Justice Disability Rights Section/Intake Unit. Letter Dated XX/XX/XXXX Advises to reach out to DOJ ADA Information Line for any additionalconcerns, per XXXX XXXX, Director of Intake Unit, DIsability RIghts Secition - XXXX. Company is allowing a disparate impact to take place among disabled individuals due to their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card submitted a fraudulent account onto my credit reports. Then when I told them it is fraud they sent a letter apologizing. Then they committed fraud by changing the account number and resubmitting the fraudulent account as mine. I disputed with the bureaus and it was removed. Then Discover card came back and submitted it again under closed derogatory accounts. This has been a 2-year process and their harassment and law-breaking knows no bounds and they need to be punished.
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 Account Number : XXXX - {$0.00} Account Name : XXXX XXXX  Account Number:XXXX  {$330.00} Account Name : XXXX Account Number : XXXX {$180.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2020 a letter from Midland Credit Management XXXX was mailed to me with a claim that I owed a total of {$2900.00} for a XXXX credit card that I have never owned. 

I contacted XXXX XXXX XXXX on Thursday, XX/XX/2020 to dispute the charge and was informed that I should contact XXXX directly because that is where the account originated. 

I contacted XXXX on Monday, XX/XX/XXXX to trace the alleged credit account and was informed that there was no record of me having an account. 

Please inform me of next steps! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a payoff from USAA of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. USAA however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid USAA, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. USAA then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of USAA is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. USAA should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
USAA agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX
Product: Checking or savings account

The following unauthorized charges were made to my Wells Fargo Business Account : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  will not credit my account for any of these charges. They said I have to talk with Wells Fargo. I spoke with Wells Fargo. They credited the most recent 4 charges but said XXXX should credit more. XXXX XXXX just keeps giving me the runaround. I was transferred to XXXX different departments and nothing was done to address the fraudulent charges and credits back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
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. 

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

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 This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as XXXX Trans Union and XXXX have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem
Product: Credit reporting or other personal consumer reports

The request for this account was not responding for XXXX, i make a request to them about this account few months ago, and they couldnt validate this debt,,,,, please make sure XXXX sent everything about this account as FCRA says XXXX .. Law
Product: Credit reporting, credit repair services, or other personal consumer reports

My first attempt to apply for credit happened mid year XX/XX/XXXX when I pulled my credit report for the first time and noticed several discrepancies. I contacted Equifax Information Services by  mail questioning these discrepancies who gave me a list of things to do. I also filed a complaint with the XXXX Police Department because my information had been stolen and obviously used. I provided Equifax Information Services with each and every document they asked me to provide and still go no resolution but a returned form in the mail stating that the information had been verified. Since XX/XX/XXXX I have sent Equifax a dispute letter almost every month with no results. I have sent an Affidavit, A copy of my SSC, a copy of my drivers license, proof of my address, my police reports, and continuous dispute letters paid for by certified. I have asked for account information and verification in all of these letters but have yet to receive anything but the same credit report stating that the information has been updated and verified for the past two years. I'm am overwhelmingly frustrated, discussed, and disappointed with the unlawful and unfair treatment I have received by this company. Equifax is reporting inaccurate information that I owe XXXX XXXX XXXX {$2400.00} account opened XX/XX/XXXX. They are reporting that I owe XXXX XXXX XXXX {$4800.00} opening that account XX/XX/XXXX. They are reporting I have an account in collections with XXXX XXXX in the amount of {$100.00}, come on who lets {$100.00} go into collections. They are reporting that I owe XXXX XXXX an unknown balance for an account opened XX/XX/XXXX and The US Department of Education several amounts on various days. Again, I have disputed these account on various occasions over the two years and hadn't received ANY requested verification. These things have excluded me from living a normal life and being able to obtain credit and purchase a home for myself and my family. I would like some help in resolving this matter.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX 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: Debt collection

identity was used by my mother who is now deceased. 

her name is XXXX XXXX. 

multiple accounts on my credit I am not familiar with, see attached letter.
Product: Consumer Loan

I have a n Auto loan w  ith Santander Consumer USA Inc. Th is is the biggest scam I have ever seen. I did n't have the best credit when I got the car, so I am supposed to have a simple interest loan with a sky rocket rate of   XXXX   XXXX   APR and a monthly payment of { XXXX } due on the  XXXX  of each month.. My first problem with them wa s after falling into financial trouble, I was able to defer  XXXX  payments, Not knowing that once I made my next  XXXX  payments after the deferment, ALL of the money would go to interest. ( Is this even legal? ) Now currently, I  am up to date with all of my payments, I made an EARLY payment on  XXXX   XXXX ,    2017  where ( { XXXX } went to the principal, and { XXXX } went to interest. ) Now  XXXX   XXXX ,  2017 , I made a payment and only  ( { XXXX } went to the principal and  XXXX } to interest. ) How is this even possible? I made my payments early, b ut I am being penalized and more of the money is going to interest. There are also a number of ( misc. fees ) applied to my account as to which they say, those are late fees from prior months or those are fees for this and that. ) This company should be ashamed of what it is doing, not only are they getting a ridiculous amount of money from me every month, plus a ridiculous interest rate, they are also   XXXX   me over for making payments early.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit 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 XXXXXXXX
Product: Debt collection

The company name is AMSHER COLLECTION SERVICES and the account was opened on XX/XX/2021. The reported debt is {$140.00}.
Product: Credit reporting or other personal consumer reports

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