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

XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on XXXX, TRANSUNION AND XXXX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
XXXX-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
TRANSUNION-says account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XXXX XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
XXXX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XXXX 2015.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX are in violation of my consumer rights by double charging for the same account and by double reporting the same account to third party agencies and also by sharing my information without my consented written approval.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliate third party any non public personal information, unless such a financial institution provides or has provided to the consumer a notice the complies with section 6803 of this title.

Opt out ( 1 ) In general A financial institution may not disclose non public personal information to a non affiliated third party. Unless ( A ) Such a financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. that such information may be disclosed to such third party.

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Limits on reuse of information Except as otherwise provided in this subchapter, a non affiliated third party that receives from a financial institution non public personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is non affiliated third party of both the financial institutions and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Product: Credit reporting or other personal consumer reports

Equifax, Account Name : XXXXXXXX XXXX XXXX Account Number : # XXXX This letter serves as formal notice of my intent to sue for willful non-compliance and gross negligence under the Fair Credit Reporting Act ( FCRA ). Specifically, this concerns 15 U.S.C. 1681s-2 ( a ) ( 5 ), which mandates the accurate reporting of the Date of First Delinquency ( DOFD ). Your failure to ensure this essential information is present on my credit report constitutes a blatant and knowing violation of federal law, regardless of the account 's payment status. This omission not only undermines the accuracy of my credit report but also demonstrates a willful disregard for statutory obligations and consumer rights. 

As outlined in the case XXXX XXXX Equifax, the Date of First Delinquency ( DOFD ) is the accurate date that determines how long negative information remains on a credit report. The XXXX is crucial because it determines the seven-year period during which derogatory marks can stay on a consumer 's report. Using the Date of Last Activity ( DLA ) instead of the DOFD can improperly extend the reporting period beyond what is allowed under the FCRA, which can cause a negative impact on the credit report for a longer duration than legally permitted. 
XXXX XXXX XXXX
Product: Money transfers

Someone from out of the US transferred funds from my paypal account that was associated with my personal checking account causing me to have to close my personal account with my bank I have created several disputes about the XXXX drafts from my account and everytime I have created a dispute over this they have closed it and dismissed it. I would like for the money to be put back in my pay pal account since I have no checking account due to it having to be closed so they could not get more money from me. I am at my witts end with pay pal and their customer service sucks I have yet to get any help with this and it occurred on the XXXX of XXXX 2015 I would appreciate any help at all.
Product: Student loan

Firstmark Services acquire my student loan from XXXX, but I am unable to locate the original master promissory note in my Firstmark online account. Also, I was not included in the XXXX student loan refund class in 2017.
Product: Debt collection

I have contacted Carter Young many times to inform them that the account that they are reporting on my credit file do not belong to me. I have submitted Fraud Affidavits to them and they still refuse to remove this account. I have no obligation to pay them for this debt. It is not mine and I have never open an account with them or any other facility in regards to this debt. Please assist me in getting this debt remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions 15 U.S.C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Federal DIC ( FDIC ) : BBVA, Banco Bilbao Vizcaya Argentaria, Bank ( headquartered in XXXX and XXXX Alabama ) IS NOT IN COMPORTMENT WITH REGULATION E. 

( 1 ) I FILED A DISPUTE on XX/XX/2020 ( SUNDAY ) to facilitate A CHARGEBACK to XXXX XXXX located at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) in the amount of {$840.00} ( {$590.00} directly charged to BBVA debit card ) because XXXX XXXX committed FRAUD AND THEFT BY DECEPTION AND THEN BECAME MENANCING. The XXXX Georgia ( ZONE 2 Cops ) were notified and A POLICE REPORT FILED ( XXXX ). XXXX XXXX and XXXX have been issued a notice to CEASE AND DESIST LETTER for annoying and harassing email and telephone calls. BBVA bank is refusing to issue the REFUND NOR ( AT THE LEAST ) A PROVISIONAL CREDIT TO MY BBVA ACCOUNT PURSUANT TO REGULATION E. I REQUIRE MY MONEY AND ALL STEPS HAVE BEEN TAKEN FOR BBVA TO ISSUE A CREDIT OF {$840.00}. BBVA IS NOT IN COMPORTMENT WITH REGULATION E AND IS REFUSING TO ISSUE A PROVISIONAL CREDIT. I NEED ALL MY MONEY.

( 2 ) BBVA HAS ISSUED THE {$250.00} PROMOTIONAL INCENTIVE. BBVA IS FACILITATING RANDOM ACTS OF FRAUD TO BE COMMITTED ON MY BBVA ACCOUNTS ( WHICH ARE IN EXCELLENT STANDING ) AND I AM ENCOUNTERI
NG THE INCONVENIENCE DUE TO BBVAS LACK OF ACKNOWLEDGEMENT TO UNITED STATES FEDERAL REGULATIONS AND BBVAS INCREDULOUS LACK OF EFFORT IN HOLDING THE CRIMINAL MERCHANTS ACCOUNTABLE. 

Sincerely and Respectfully, XXXX XXXX XXXX  XXXX : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor " Toyota Motor Credit '' has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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.
Product: Credit card or prepaid card

Both Sears and XXXX XXXX sent what appears to be advertisements. I do not always read these items. But what has happened is they sent a notice they will be converting my store cards to a MasterCard if I don't contact them by a certain date. I happen to travel at times and do not always read these notices. Both Sears and XXXX XXXX  have converted my account because I did not contact them by the deadline. Sears refused to change it back to a store card. I feel this practice is deceptive. If I want to open a Sears MasterCard or a XXXX XXXX MasterCard then I will apply for one. That is how it works with any other credit card - you apply for it. I this it is completely deceptive to just change a persons account. I did not apply for MasterCard with either of these vendors. XXXX XXXX has now begun the same thing. They sent the first notice which we opted out of. Now we have to watch every document that XXXX XXXX  sends because they will continue to send these and provide us deadlines hoping that we miss the deadline. XXXX XXXX wants us to change to the XXXX XXXX  XXXX XXXX Card. Something really needs to be done. At the very least I should be able to opt out only once and not have to continually monitor my mail to ensure I do not miss the next opt out date. As far as Sears and XXXX XXXX - they have lost my business permanently. I will never shop for another item at either store, and their MasterCard will remain in a drawer unused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Transunion, XXXX, XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
According to the 15 USC181i- XXXX Transunion XXXX have 30 days to investigate and send me the results. And they also didn't record the current status of the disputed information which is another violation. I have all the evidence attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this XXXX XXXX XXXX  chargeoff for reporting inaccurate information date of last activity shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and no date for Experian. All three bureaus are reporting different dates. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, and XXXX Account # 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
Product: Credit card or prepaid card

Three times a fraudster has " transferred '' all of the funds out of my California XXXX XXXX Bank of America account : {$3400.00} on XX/XX/2021, {$3400.00} on XX/XX/2021, and {$3400.00} on XX/XX/2021. I filed claims with Bank of America after each incident and funds were returned to the account several weeks after the XX/XX/XXXX and XX/XX/XXXX fraudulent transfers. However, despite asking Bank of America to let me know if and when funds were returned to my account, I was not notified by Bank of America and didn't even know that the funds were restored before the fraudster ( who clearly was alerted about the funds ' restoration ) " transferred '' the money again. I have spoken ( after endless waits on the phone ) to numerous Bank of America representatives in their Protection, Complaints, and Transfer departments to report these fraudulent transfers and try to prevent these transfers from happening again and followed all of the steps they told me to follow, but despite my efforts these fraudulent transfers have now happened three times. I tend to get different answers and different " solutions '' to each person customer service representative I speak with. One B of A representative told me that the fraudster is clearly hacking my Bank of America online account, plugging in his email, phone number, bank account, etc. and even fake " security '' questions there. i, however, DO NOT HAVE ACCESS TO THE MY ONLINE BANK OF AMERICA EDD ACCOUNT ( whenever I try to log in I am told I have the wrong " security '' information. When I asked that the online account be removed and/or put on hold the representative I was speaking with told me this was impossible. 
I am at a loss and fear that even if/when the funds are restored to my account they weill be transferred by the fraudster a fourth time, since he has access to and is being given information that I do not have.
Product: Money transfer, virtual currency, or money service

I'm a XXXX XXXX  and do have all documents as well as my united States profile I'd number and payment number of XXXX digits. I never received payments and possibility there may have been fraud.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian, XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXXXXXX XXXX account number XXXX. XXXX XXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I paid the XXXX XXXX, XXXX  judgement for breaking the lease at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As soon as the bank check was cashed the paid debt was sold to a collection agency that put on my credit report that I owe them. 

XXXX XXXX returned an item to Macy 's did not receive credit. Then purchased shoes and made payment on spot, not credited to account. Contacted XXXX, Macy 's responded with apology, stated they would correct account, not report to credit agency and refund overpayment. Did none of the aforementioned. 

XXXX, XXXX XXXX XXXX reporting debt that was paid by realtor that kept all earnest money for herself except the less than {$300.00} she said she paid to XXXX. 

These fake debts contributed in preventing me from obtaining a mortgage. 

Tell me what each company says about these false debts.
Product: Debt collection

I got a letter today writing to me about my debt. 
Reference # : XXXX. I have no knowledge of this debt and didnt receive the information to verify this debt is mine.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

i Disputed an collection account on my report with inaccuracies then XXXX, transunion and XXXX verified the account so i sent another letter asking for the method of verification which i never got and im getting denied for credit and housing opportunities because of this my rights have been violated due to section 15 usc 1681i ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. CBNA # XXXX If account can't be VALIDATED it must be removed
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I suspect these accounts and inquiries were made without my consent or knowledge. 
Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$640.00} 2. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$640.00} 3. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$1000.00} 4. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$890.00} 5. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$960.00} Inquiries to Be Removed : 1. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Prepaid card

I have an AmEx gift card that says it's for {$500.00}. I couldn't recall if I'd used any of it so I tried checking the balance on AmExGiftCard.com/Balance but received an error so I called their customer service number. The agent I spoke to said the card had been taken by the state as unclaimed property and to reach out to the state 's unclaimed property department. I searched on Washington State 's unclaimed property website and there isn't anything in my name ( not sure the card would be in my name though ). Some XXXX told me this is a common issue and to file a complaint here.
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 Experian Credit Bureau in XXXX and now we are on XX/XX/XXXX and still nothing from them. That means Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

NOTICE OF PRIVACY VIOLATIONS AND DEMAND FOR COMPLIANCE Re : XXXX XXXX XXXX XXXX  accounts # XXXX and # XXXX I am disputing excessive sharing of private transaction history while maintaining positive account status : Account Details : XXXX. Account # XXXX - Opened : XX/XX/XXXX - Current Balance : {$2500.00} - Last Reported : XX/XX/XXXX XXXX. Account # XXXX - Opened : XX/XX/XXXX - Current Balance : {$21000.00} - Last Reported : XX/XX/XXXX Legal Basis for Dispute : XXXX. Privacy Act ( XXXX XXXX XXXX ) Violations : Section XXXX ( XXXX ) ( XXXX ) requires " only such information as is relevant and necessary '' Detailed transaction history from XXXX exceeds necessary requirements XXXX demonstrated business necessity for historical details XXXX. FCRA ( XXXX XXXX XXXX ) Violations : Section XXXX ( a ) ( XXXX ) ( A ) prohibits furnishing excessive information Current reporting exceeds standard credit reporting requirements Violation of reasonable procedures requirement XXXX. CFPB Regulations : XXXX XXXX requires accurate, necessary information only No compliance management system demonstrated No privacy protection procedures shown XXXX. Legal Precedents : CFPB XXXX TransUnion LLC : Requires limited scope of reportable information XXXX XXXX TransUnion : Establishes standing for privacy violations INCOME REPORTING VIOLATIONS : A. IRS XXXX Section XXXX ( a ) ( XXXX ) : " Gross income includes income from discharge of indebtedness '' Charge-offs are XXXX debt XXXX debt becomes income Income can not be reported on credit reports B. XXXX XXXX XXXX : " Any applicable entity which discharges indebtedness of any person during any calendar year shall make a return '' Requirements : Form XXXX must be issued Debt must be reported as income Can not be simultaneously reported as active debt XXXX IRS Publication XXXX : Specifies : Cancelled debt is income Must be reported for tax purposes Can not be treated as outstanding debt FCRA ( XXXX XXXX XXXX XXXX a ) ) : " If any person takes any adverse action ... the person shall provide notice '' Violation : No proper adverse action notice provided ECOA ( XXXX XXXX XXXX XXXX d ) ( XXXX ) ) : Required statement of specific reasons not provided PRIVACY ACT VIOLATIONS : For accounts : # XXXX Opened : XX/XX/XXXX Balance : {$2500.00} Status : Must be removed as income # XXXX Opened : XX/XX/XXXX Balance : {$21000.00} Status : Must be removed as income