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

XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for an e-oscar report. if XXXX does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. XXXX Commission file number XXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX , Georgia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

Transunion continues to place collections on my report that is not owed to XXXX They continue to lie and say they investigated the collection, But if they did they would see this is not my name they continue to send this debt to me through. I have tried several attempts to have them remove false information dealing with XXXX XXXX and associates and XXXX XXXX XXXX XXXX from my report, They continue to update the debt date to add more time to the debt being on my report, This is my last attempt in telling Transunion to remove such debts that I do not owe to above collections firm before legal action for them violating my name and rights be taken
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Deletion XXXX XXXX XXXX Account/ Violation of Privacy Dear Sir/Madam , I am writing to formally request the immediate deletion of my account with XXXX XXXX Acceptance and to report a violation of my privacy rights by TransUnion. I did not provide oral or written consent for TransUnion to share my personal information with third-party companies, specifically XXXX XXXX XXXX XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, section 602 ( a ), it is imperative that consumer reporting agencies operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. The FCRA emphasizes the need for accuracy and fairness in how my personal information is handled by Credit Reporting Agencies ( CRAs ).

Furthermore, 15 USC 6801 establishes that financial institutions have an ongoing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. The actions of TransUnion in this case indicate a clear mishandling of my personal information, which is alarming and unacceptable. 

I urge the CFPB to hold TransUnion accountable for these violations of the FCRA and to ensure that my rights as a consumer are upheld. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.
Product: Student loan

Started at XXXX XXXX in XX/XX/XXXX. This school has now been declared fraudulent. They signed me up in financial aid for a couple government loans but then said that those ran out and told me they have a new government funding. I was under the impression it was Sallie Mae. They said because it was different requirements that I would have to have co signer. I asked my dad, he signed thinking it was a federal loan as well. They had me sign these 5 times over my time at XXXX. There was them 5 loans. When I graduated ( XX/XX/XXXX ) and began getting my bills I realized they were private loans. Originally they told me I owed {$65000.00}. Then it went to {$55000.00}. I kept putting them in forbearance at Sallie Maes request because I could not afford the $ XXXX/mth payments. This went on for a couple years. In that time they changed to Navient, they appeared to be working with us. They were receiving payments for $ XXXX/mth for interest only payments. Overall balanced still went up as well. When that agreement ended they wanted {$1000.00} a month. Again, we could not afford that so they threatened us with lawsuits, liens on my parents house, garnished wages. They called my company, family members I have no contact with. Twice over the next 3 years they agreed if we could give them lump some they would discharge the loan. First time was for {$4000.00}. My father paid. They said we misunderstood the agreement, continued to report us to credit agency, call company/family members. The last time was in XXXX of XXXX. They said if we paid {$7000.00} the account would be settled. This was after threats of liens, garnishments. By this time we contacted the attorney general of our state Massachusetts ( XXXX XXXX ). They advised us to get this agreement and writing and said because this was a private loan they were limited, but received many similar complaints. Advised us to join class action suits. We took out a loan of {$7000.00} from our XXXX that we are still making payments on. After they received that, we didnt really hear anything. They continued to negatively report us to credit bureau and even sold the debt to multiple debt collectors. We are still being threatened by those companies. We tell them about agreement and they said they have valid claim to debt. This has destroyed our credit, which made it hard to get anything including mortgages/ car loans. When we did received any credit it was at a ridiculous interest rate. These loans ruined our plans at life as far as building a life for my family.
Product: Credit card or prepaid card

I have had an altercation with someone I owe as a result of my money being absent at the time I needed to pay someone something. I have been assaulted as a result of the transaction ( s ) pending even though my account did not have enough funds to make the purchase. I exited out of my browser and closed the tabs relating to the creation of the transaction ( s ). Re-entered the browser and went back to the tab after closing them down completely along with the app completely. Now unless you want to ask XXXX if this is true as far as diagnostics go then by all means you have my cooperation and that will be at a separate non-negotiable dealing. Each time I was shown the total to be money ( s ) totaling {$10.00}. I got into altercations in which at I wasnt able to remove myself from the situation because I was pent down and having an XXXX XXXX paired with a XXXX XXXX in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body because of the unavailable cash. If I did not faint my chest would have arrested completely without sufficient airflow to my understanding and even then I didnt know if I would wake up or not after. These transactions were made not peer to peer, but was made with their cash card. I do not have a borrow allowance. Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? Cashapp has evaded this question to no avail to Local and Governmental Authorities. This whole ordeal has caused me a great toll of emotional distress and pain and suffering. I want a resolution of {>= $1,000,000} for the Cost of Preventing a Fatality. {>= $1,000,000} for the Emergency Implemented Value of Cost of Averting a Fatality. {>= $1,000,000} for the Value of My Statistical Life {>= $1,000,000} as for what is satisfactory to ( me ) about this situation NON-NEGOTIABLE due upon the acknowledgment that these transactions ever pended. Whether the transaction ( s ) were voided or canceled Cashapp can not deny that the injuries that I incurred occurred because of them and they have let this misery fester to extraordinary lengths. If Cashapp will not admit their blame then XXXX XXXX XXXX will have to corroborate their guilt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
XXXX XXXX-XX/XX/XXXX
XXXX XXXXXX/XX/XXXXThese inquiries were unauthorized done fraudulently without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from Capital One and XXXXXXXX XXXX card companies. They both said that they had not received a payment. I thought that it was odd, since both we on auto bill pay. I looked into my accounts, and Capital one had been " paid '' but the auto bill pay for XXXX XXXX was gone. I called XXXX, and determined that the auto bill pay had been deleted for XXXX the same day that " Capital One '' had been paid. I noticed that the amount was different than normal. So I called Capital One and they confirmed that the payment was not made to them. I then called XXXX XXXX and reported the charge as fraud and the money was refunded to me. XXXX confirmed that my account must have been hacked and that I needed to change my user name and password and if the charges continued, then I would need to change my account number. I had the payments all set up, like I have for years, so I requested that the charges be removed as late from my credit as I immediately set up payment, but my account being hacked and fraudulently payments had been made in the company 's names. XXXX advised me that it was not their issue and to file a complaint with the credit bureau if I felt it was an issue. I was told " Good Luck '' with getting anything removed as someone hacking my account was not taken into consideration.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries.

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) in general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had someone to use my personal information to attempt to open accounts in my name without my knowledge.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation. 

Statement of Pertinent Facts On XX/XX/XXXX, ( CFPB Complaint Number # XXXX ), I submitted a dispute regarding several fraudulent accounts on my credit report. I provided Experian with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Additional evidence linking me to a data breach. 

Despite this, Experian failed to block the disputed items within the four business days required by FCRA 605B. Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. Experian 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings.

Legal Basis for Complaint 1. Non-Compliance with FCRA 605B Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. Experian 's refusal to comply with this requirement constitutes a direct violation of federal law.

2. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) Experian failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting.

3. Precedent Case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Affirms the consumer 's right to a fair investigation of disputes. 

Summary of Noncompliance and Violations Experian 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, Experian 's failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.
Product: Credit card or prepaid card

In XXXX of 2021, I was reviewing my credit card statement when I noticed a charge made to my Bank of America ( BOA ) credit card. I was out of the country when the charge was made. While reviewing the charge, I noticed other charges that dated back months. I opened a Fraud case with BOA, they said they would investigate. The charges were made through XXXX, so I called XXXX and provided them with my account details, they confirmed that I had never used a BOA credit card on my account. 

XXXX also confirmed that an account was opened in my name in 2021 and that it used an address to a residence I sold in 2021. XXXX in the same conversation denied me access to the account stating that I had no information to confirm that I was the account owner and therefor could not provide any other information. They later determined that the account was a fraudulent account and deactivated. 
BOA was provided this information and continues to deny my claim that these were fraudulent charges even though XXXX felt the charges were made from an account that did not belong to me. BOA maintains that since it was my name and my address, it must have been me.. Also, BOA states that one of the charges had been swiped ; XXXX has never had the ability to swipe a credit card and they too confirmed that there is not a way to swipe a credit card.
Product: Debt collection

This company ( Enhanced Recovery Company ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXXXXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXXXXXX : Markeisha> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Well I got a XXXX  day loan from this company which had a early buy out option my last payment was XXXX I sent it in they sent me a email saying it was closed they tried to take extra money out my bank account so a blocked it then they opened back up I called them they said reopened because I blocked the account after I sent the final payment and they have bad customer service and management is terrible
Product: Debt collection

I sent MPB a certified letter with return receipt on XX/XX/2019 requesting them to remove medical collections that put on my credit reports for all 3 bureaus, and sent them a copy of the HIPAA acknowledgement and consent form showing them that they DO NOT have my consent to disclose my confidential medical information. They signed the certified return receipt on XX/XX/XXXX by XXXX XXXX ( see attached Tracking Receipt. ) They responded to me by letter dated XX/XX/XXXX saying that they contacted there client XXXX XXXX XXXX saying that they would delete the account once it is paid off. They are in clear violation of the HIPAA act. Please have them delete all collections and put them on notice that they DO not have consent to place any collections on any of my 3 credit reports ( XXXX, XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card accounts opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ), XXXX personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXXXXXX / XXXX XXXX Account # XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.