23daVinci/CFPB_Complaints huggingface dataset:
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 Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX  Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX has violated my rights. 

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

Vance and Huffman is reporting an inaccurate collection account on my credit reports that I have disputed directly with them. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. 

In response to my dispute they sent me a letter stating that they would contact the original creditor for documents and would cease all collection efforts on the account which I have attached the letter below. 

When disputing an account from a consumer reports, the creditor has 30 days in receipt of my dispute to complete their investigation and send over all requested documents. I received their response on XX/XX/2023 which means they had until XX/XX/2023 to send over the documents they say they reached out ti the original creditor for. I have yet to receive any further information in the mail regarding this debt. Furthermore, once Vance and Huffman received this debt all supposed documentation should have been given to them. 

Its obvious that this account can not be verified and should be deleted from my reports. I am not sure why its still reporting when they stated they would be ceasing all collection efforts meaning that this account would be dropped from their office. I am demanding that this account is deleted from my reports now!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Attached files are the accounts I marked as inaccurate.
Product: Credit card

I purchased a laptop on my Best Buy credit card account for which I never received a physical card ( which is fine with me. ) The store salesperson looked up the account number and put through the purchase. I received the statement a few weeks later which only listed the last XXXX digits of the account. I am unable to pay the account using my online banking app without the full account number. When I called customer support, they said they don't include the account number on the statement for security reasons since the bill sits in a mailbox. They offered to send a new card ... to the same mailbox where it will sit. I tried to point out the absurdity of their logic and the robots they have working there can not think for themselves. They are impeding my ability to pay my debt to them by not including my account number nor providing my account number after verifying my identity. Their alternate solution was for me to give them my bank account information over the phone to them. It's OK for *me* to share personal banking information with them but they won't tell me what my own account number is on the statement they send me? I ran into this with XXXXXXXX XXXX also XXXX years ago and in the middle of XXXX, I had to go into the store to pay off and close that account. Please issue a Technical Bulletin or some other communication to U.S. vendors that unless they are providing sufficient information on their statement for a customer to pay their bill, that they should have no expectation of payment. They did offer me to go into the store to give them my banking information or debit card in person which I am not comfortable with. Aside from the risk of having the information stolen, I have multiple auto-immune disorders, work from home and avoid the public as much as possible. Why can't I pay them securely through my online banking application as I do my utilities, my property taxes or all my other debtors? Your help is appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to Equifax, XXXX and XXXX XXXX asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!
Product: Credit card or prepaid card

XXXX I went into the local Best Buy store to apply for a credit card in zip code XXXX. Application denied for the reason I find out weeks later through a piece of mail. A security measure on my account whenever I apply for credit requires the sales associate working at the establishment to call the phone number on my credit file which is my own. I am sitting in the store at the counter waiting on the phone call to verify myself but phone call never happened. I called Best Buy accounts to dispute and they lie to me and say the phone call was made, NOT!! I disputed the inquiry with XXXX  and it is still sitting on my report??
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 inquiries that I did not authorized that should be removed right away. There also are 2 previous addresses listed that are not factual and need to be deleted now
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 which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/20 requested mortgage refinance loan on line. 

XX/XX/20 submitted required financial information, paid loan lock in fee and received confirmation that required information was received. 

XX/XX/20 received notice that refinance was rejected. Received document requiring I sign that I accepted notice of rejection. On examining the rejection notice I became aware that only very general reasons were given for rejection including missing credit information ; excess outstanding revolving credit ; insufficient length of time with revolving credit issuers. None of these reasons were given specific parameters. None of them made any sense in light of my high credit rating, low revolving credit balance ( less than 20 % of monthly income ) and long term credit card history ( over 20 years ) with no history of failure to pay full monthly balance. 

XX/XX/20 received request to contact mortgage company to renegotiate loan terms.
Product: Debt collection

XXXX  sent a bill for collection to Credit Management , LP that does not belong to me. The bill is for a modem that my ex-husband did not return promptly back to XXXX. While the modem was returned on XX/XX/2021, Credit Management reported my name to the three credit bureaus : XXXX, XXXX and XXXX. This is preventing me from being able to move forward on a mortgage. 
First I called XXXX. They told me if I went to a XXXX XXXX, I could get a copy of a paid receipt showing the amount due is {$0.00} since my ex-husband returned the modem. Before I could go to the store, I had to make an appointment on-line. I wasn't able to get an appointment until XXXX pm. When I arrived for my appointment, there were 4 people working in the store, no customers. The workers told me they were " binge-watching '' XXXX. They also told me there was no way they could print anything out for me to show the balance due was {$0.00}. 
I called XXXX back. After getting no where with the first person, I spoke with a supervisor. She promised I would have something in the mail showing balance due {$0.00}, by the end of the week. It's been 2 weeks, I haven't received anything in the mail. She also said they would call Credit Management , LP to remove the account. 
I called Credit Management , LP to let them know this was not my bill and I needed them to remove my account from the three credit bureaus. They told me they sent it back to XXXX and show it as closed. When I asked them to follow up with the credit bureaus, they said there's nothing they can do because they don't have the account any longer. 
I called XXXX back and was told they don't report to the credit bureaus so they can't recall the collection reporting. They said Credit Management , LP does that. 
I am at a total loss as to how to get this off my credit report. 
I went to the XXXX website to " dispute '' the claim but their website wasn't working properly so I couldn't upload a copy of the original bill that shows it was in my ex-husband 's name and address. I called XXXX XXXX Relations and was told it may take up to 30 days for them to fix. In the meantime, interest rates on mortgages are going up. 
XXXX  and/or Credit Managment , LP reported me to the credit bureaus for a bill that is not mine and they will not correct the error.
Product: Student loan

I try to pay at their website, it simply never gets applied. They do not mail me any payment coupons so I don't know anything about the payment, or have any ability to pay accurately. All they do is keep leaving truncated voicemails and refuse to do anything unless I play their game on the telephone which takes much longer than necessary. Really, how do they have a payment website but can't or won't process the payment. I am so sick and tired of these fools and thier seemingly malicious abuse. Please take away their handling of any student loans. This mightmare with these XXXX has been going on for years now! 
My last payment I made was on XX/XX/18, and my payment confirmation # was XXXX. But still they are demanding payment as if it was never rec 'd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have notified this bureau and they have not acted according to the FCRA 605 B.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit act Navy Federal CU # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX has violated my rights.15 U.S.C 1681 Section 2 ( A ) States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) A person shall not furnish information relating to a consumer reporting agency if- ( I ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is in fact inaccurate. 
The information provided to the persons was enough reasonable cause to have knowledge that the information was in fact inaccurate.The judgment from the courts shows I was XXXX  from XXXX to XXXX of XXXX  when I received 7 years of XXXX and released so there is no way I opened these accounts nor gave anyone permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$110.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX  XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX XXXX Balance Owed : {$740.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$270.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$72.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} ; XXXX  XXXX Balance Owed : {$660.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Complaint against Idaho Central Credit Union for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Idaho Central Credit Union for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). 
I had previously contacted Idaho Central Credit Union on XXXX regarding a charged off debt. As per the FCRA and the Internal Revenue Code, I requested a 1099-C form, which is necessary for reporting canceled or forgiven debt over {$600.00}. However, despite my repeated requests, Idaho Central Credit Union has failed to provide the 1099-C form. 
Furthermore, I have discovered that Idaho Central Credit Union is reporting this charged off debt as income on all three credit bureaus. This is causing significant harm to my credit score and financial standing. 
This lack of transparency and failure to provide the requested form is, to my understanding, a violation of the FCRA. The FCRA clearly states that consumers have the right to accurate credit reporting and the right to dispute incomplete or inaccurate information. 
I kindly request the Consumer Financial Protection Bureau to look into this matter and take appropriate action. I am hopeful that your intervention will ensure that Idaho Central Credit Union complies with the FCRA and corrects their reporting practices. I am requesting these inaccurate accounts be deleted from all XXXX Credit Bureaus due to this reportable violation of the FCRA. 
Please find attached copies of my correspondence with Idaho Central Credit Union for your reference as well as copies of my 3-credit bureau report as of XXXX. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several unauthorized inquiries from my credit report. Due to a recent data breach, I have become a victim of identity theft, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items removed from my report. 
The inquiries I am disputing are as follows : XXXX XXXX XXXX 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  These inquiries were made without my authorization, and I am requesting their immediate removal.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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: Credit reporting or other personal consumer reports

I was looking over my credit report and saw a hard inquiry from XXXX XXXX  on XX/XX/2022. I called XXXX XXXX  and provided them with this information. They looked me up by my social security number and I was told I never had any inquiries with them. I was instructed to fill out a fraud report by a transition representative because a hard inquiry is showing up from XXXX XXXX but XXXX XXXX  has no history of me ever applying for anything.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer report and noticed that there are inaccuracies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number # : XXXX Violation of 15 U.S.C. 1681n : XXXX  willful noncompliance with its investigative and reporting obligations has caused undue harm to XXXX XXXX XXXX financial standing and personal reputation. As a result, We are entitled to statutory damages, punitive damages, and any other relief permitted under the statute.

Violation of 15 U.S.C. 1681o : In addition to willful misconduct, Transunions negligent actions in failing to adequately investigate and correct this matter constitute further liability, entitling me to recover actual damages and attorneys fees.

Breach of 15 U.S.C. 1681s-2 : XXXX XXXX XXXX  XXXX as a furnisher of information, has provided false and inaccurate data to XXXX, failing to conduct reasonable investigations following my disputes. XXXX continued reliance on such inaccurate information exacerbates the harm and underscores its systemic failure to adhere to legal standards.
Product: Vehicle loan or lease

This complaint is against company " Hyundai Capital America Dba Hyundai Motor Finance, Kia Finance America And XXXX XXXX XXXX XXXX XXXX XXXX In Utah ) '' who reported numerous systemic errors to consumer reporting companies and failed to help when asked to investigate this matter. 
These are the ways i asked for help to investigate issue but no response/resolution was given to me. 
1. Called finance customer service atleast 30-40 times. 
2. Sent a US Postal letter to company explaning the issue ( Attached ) 3. Spoke to local dealership about this issue. 

1. 1st of all, Customer service clearly mentioned that " communication was being sent to wrong address '' yet they reported balances. As it was at the peak of COVID ( XXXX XXXX ), not knowing what to do, i waited for official communication which was being sent to wrong address as their system had misinformation. I keep checking my account but no information is given. 

2. In multiple customer service calls, they mentioned to me that " we don't know howmuch balance is and that i need to wait ''. I kept calling but they never communicated to me about balance. 

3. after few months, i was told " balance is XXXX  amount '' and i immediately paid off and clearly asked " if there is any left ''. they said NO. 

4. After few months, got a collection notice that " there is still balance ''. I called finance customer service again and informed about " not getting any communication '' and surprised to know from customer service that " they still have wrong address on my file ''. I paid off balance again and askd to send " PAID IN FULL '' letter as a backup. 

5. Even to get " PAID IN FULL '' letter, i had to call multiple times and in the end, after 3-4 weeks, finally got the " PAID IN FULL '' letter ( attached ). This happened in XXXX XXXX this overall process, costed me so much of mental pressure in addition to that Global crisis COVID tensions and my credit score drastically down around XXXX points. 

6. Now, after 2 years, i again got a letter from collection agenecy that there is still {$75.00} balance due. Again, i didn't get any communication from KIA but direct from collection agency. my credit score already down XXXX points yesterday.
Product: Credit reporting

XXXX is reporting as derogatory mark on my credit and I did n't open any accounts with them nor have i received anything in this mail about this company and it is affecting my credit and needs to be removed immediately.