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

This complaint is in response to complaint # XXXX # XXXX # XXXX. Your claim that there is a completed investigation on the accounts I ( the consumer ) submitted for removal, was not properly verified. XXXX, XXXX, nor transunion interviewed any ( none ) of my family or neighbors. Per section 606, it contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. Funny when you know the law XXXX likes to send out stall responses instead of complying with Federal Law and addressing facts, however I will not be deterred as I am resubmitting my original demand and XXXX needs to address the facts I have presented. The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. XXXX has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. XXXX, DEPTEDXXXX, XXXX XXXX US DEPT ED. I am also demanding to be compensated via check { {$1000.00} } per violation totaling { {$15000.00} } pursuant to 15 USC 1681n. I also Filled a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATONS ATTACHED AND CASE PERTAINING TO MY CASE The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XX/XX/XXXX - In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of XXXX million people. The company has SOME ARE HIPPA VIOLATIONS
Product: Vehicle loan or lease

So on XX/XX/XXXX, I called in to US Auto to put in a deferment due my divorce proceedings. I was be the XXXX XXXX XXXX that my deferment was a guaranteed approval. I sent in the paperwork from my divorce proceedings and the US auto rep XXXX XXXX looked over them and said yes to this is perfect. Your approval it guaranteed. He stated that it will take up to 7 day not 8 or 10 Seven days to take affect. I waited seven. My credit now is saying really late. So I pay my late bill. Because both of the payments are still reflecting. I called and another US auto rep XXXX told me that my deferment was denied because it was not a year old loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 60 hard inquiries that do not belong to me filed a identity theft report with ftc mailed into equifax with tracking they recieved on XX/XX/XXXX called and was told they dont have it gave me a fax number I have faxed the documents 2 times in last 4 weeks keep telling me they do not have it asked to speak with some one in cosumer affairs was hung up on 7 times I feel like Ive been lied to over and over its causing a lot of stress have had to see a dr XXXX XXXX XXXX and XXXX XXXX XXXX which I didnt have before I started dealing with equifax
Product: Vehicle loan or lease

Wells Fargo took the car, wouldnt let me refinance to lower interest rate and I couldnt afford the loan and they took it.
Product: Credit reporting or other personal consumer reports

I recieved a letter about XXXX XXXX firm about the CFPB and I have not heard anything else from it. Can you please call me and let me know when should I expect to hear from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692g - Validation of debts Account # XXXX Recently I settled my debt with XXXX XXXX XXXX Prior to me settling the debt I was told that if I pay the full amount of what is owed XXXX XXXX would remove the collection from my credit report. Attached below is my XXXX receipt. I paid approximately 30 days ago. It is still reporting on my credit report I will like for it to be deleted and removed.
Product: Debt collection

I'm not familiar with this company and see that there is a balance on my credit report. It states that they are collecting a balance for XXXX XXXX but I have not given this company any medical information about myself and feel as though my HIPPA rights have been violated. I also have not given this company permission to bill me.
Product: Mortgage

On XX/XX/2019 I submitted for a short sale with my Realtor. Fay Servicing first put me through a modification review and  then a short sale review.   We have had a full file in short sale review for 60 days. All documents are in.   The Realtor has been calling weekly for Fay Servicing Short Sale Representative to follow up, but they have not.  Fay Serving is waiting for their tile report.  It has been over a month and they have done nothing. My complaint is that fact I came home today and have a foreclosure sale date taped to my front door.  From my understating under the California Homeowner Bill of Rights that is illegal and predatory lending. We have confirmed today with Fay Servicing they have all docs they need and it is in “short sale review”.   But nobody is communicating with my Realtor for the short sale.  Fay Servicing has literally done nothing except back door me with an illegal foreclosure.
Product: Credit reporting or other personal consumer reports

Factor Trust XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXXXXXX XXXX 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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I purchased a  XXXX   XXXX   XXXX  in  XXXX   XXXX  and paid on it until till  XXXX   XXXX . I ran into financial trouble and voluntarily let the car go back. Now the loan company prestige financial has sent me a summons for the amount of  XXXX  dollars when I bought it for  XXXX  dollar. It was repo in  XXXX   XXXX  and sold to auction
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please remove this account ASAP.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 


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 XXXXXX/XX/year>
Product: Checking or savings account

Someone has stole my identity and is opening accounts in my name with TD bank, XXXX, and XXXX Bank.
Product: Credit reporting or other personal consumer reports

These inquiries and creditors are unrelated to me.
Product: Credit reporting or other personal consumer reports

I was shocked this morning when I saw incorrect accounts on my credit report. I cant understand how this could have happened. I check my credit report regularly, and everything was fine until nowsuddenly there are discrepancies out of nowhere. I even tried refreshing my browser, hoping it was just a mistake, but nothing changed. Im urging for the documents Ive submitted to be thoroughly checked so I dont have to deal with this kind of stress ever again.
Product: Credit reporting or other personal consumer reports

I disputed incorrect negative items on my credit report with XXXX, Equifax, and XXXX. The items came back verified by all 3 credit bureaus, so I responded with a verification letter asking for methods used when investigating my disputes. I also asked for a list of documents and correspondence including names and contact information of employees that were spoken to as part of the investigation. According to my rights as a consumer under FCRA 611 ( a ) ( 7 ) I have the right to request a complete description of all methods used to investigate my aforementioned dispute. I have not received a response from the credit bureaus so I am asking for this to be resolved and items requested removed from my credit report.
Product: Credit reporting or other personal consumer reports

Transunion has allowed XXXX and XXXX XXXX report the same account without my consent. Easy pay and XXXX did not notify me or send a letter as per Fair Credit Reporting Act so I could dispute debt before being reported to the credit bureaus this alone is one violation, the second violation Transunion allowed company to report the same account twice without my consent and third it has caused tremendous damage to my credit report. Also Transunion stated the account was closed but I did not agree or sign any agreement with Easy pay finance or XXXX allowing them ti report or share anything with any credit bureau. I will be reaching out to my attorney not only has XXXX XXXX XXXX  and XXXX violated the laws Transunion did as well. I Per law this account does not meet the Fait Credit Reporting Act qualification to even show on my credit report. Each company will be slapped with three ( 3 ) individual lawsuits for this
Product: Credit reporting or other personal consumer reports

Dear Experian, EQUIFAX, TRANSUNION Dispute Department, I am writing to formally file a complaint regarding the unauthorized reinsertion of fraudulent accounts into my credit report. The account in question is listed as XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I had previously disputed and was appropriately removed after it was confirmed as fraudulent. 

However, I was alarmed to discover that this account has been reinserted into my credit file without proper notification or adherence to the procedures outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

FRAUDULENT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation no knowledge of accounts po report sent to XXXX and local po dept
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXXg according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

I called in on XX/XX/XXXX asking if i use the mobile app to deposit a check worth over XXXX that if if do XXXX one day will it allow me to do the rest the next. The lady wanted me to verify my account i refused since I wasnt asking an account question. 
I was just placed on for over XXXX minutes by XXXX you could here him laughing in the background. I would tell them my name is XXXX XXXX XXXX they would harass me and keep calling me maam,
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX {$11000.00} XXXX {$11000.00} XXXX {$0.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$31000.00} XXXX XXXX XXXXXXXX {$14000.00} XXXX {$0.00} XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX {$58000.00} XXXX XXXX {$2800.00} XXXX XXXX XXXX$4600.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$27000.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1400.00} XXXX XXXXXXXX XXXX {$76.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX XXXX {$2800.00} XXXX XXXX  XXXX {$1300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. 

XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE REPORTED- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Consumer Loan

This bill was disputed years ago.. All XXXX credit bureau removed this bill from my credit report. Because i do not owe this bill. Now i am getting threating letters again..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that I was a victim of identity theft and was instructed to obtain my credit reports from all  XXXX  credit reporting agencies. I had no problems accessing  my  XXXX  &  XXXX  reports but get denied access by Equifax. They ask half a dozen security questions before allowing you to view it. All the security questions Equifax asked were regarding accounts I have no knowledge of preventing me to answer them correctly. I contacted Equifax directly asking how to handle the issue and they told me my only option was to send copies of two forms of ID ... Social Security Card ... by regular post mail. I explained I was n't comfortable sending those private documents through regular mail since I was just a victim of identity theft and have experienced problems with lost items by the USPS. The woman at Equifax said I had no other choice. Equifax denying me access to my credit report is preventing me from obtaining information I need to resolve the identity theft matter. I was recently denied a new job because of the unknown information that my credit report contains. The industry I work in relies heavily on consume r reports in the hiring process.