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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX ACNT # XXXX, XXXX ACNT # XXXX, XXXX  ACNT # XXXX, XXXX XXXX ACNT # XXXX, XXXX ACNT XXXX XXXX, XXXX  ACNT # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, AND XXXX XXXX ACNT # 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 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

aBURNS, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX COMPANIES I XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

I opened a CD account on XXXX but I didn't actually purchase the CD until XXXX.I called the very next day after buying the CD to let the Rep know that I put in the wrong amount.She advised me to close the account an re-open a new account.So I inquired about a grace period to waive any early withdrawal penalty fees.She spoke to her supervisor and her supervisor APPROVED of the waiver ( the evidence can be found on the phone call XXXX ) I only withdrew my money with the ESTABLISHED understanding of the approved waiver.When I received my funds back into my bank account it was short XXXX XXXX.I just knew it was a simple mistake and they would correct it swiftly but they are refusing to correct it.Let me be clear I gave no consent to this illegal transaction.I had zero intentions of paying any early withdrawal fees.I would have left the account alone before I did that! I'm led to believe this was a set up and a robbery.If this matter is not resolved immediately I will be taking further legal actions on the grounds of scamming the consumers.This company will be considered to be ran as a criminal enterprise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with XXXX and TransUnion since XX/XX/XXXX in  regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said TransUnion and XXXX needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/XXXX with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking ifXX/XX/XXXX and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX  and to the additional credit bureau 's asking them to  remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.
Product: Payday loan

Online payday loan stating they are licensed and are not as I am just finding out payday lending is prohibited in GA. Also they told me the balance with finance fees was a little over XXXX dollars but after I agreed and got the written contract by email, the loan shows payments for 24 months for over 3000 dollars.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXXXXXX Balanced {$0.00} XXXX XXXXXXXX XXXX {$36000.00}
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX  XXXX have resulted in undue harm to my financial reputation and stability.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX VIA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BUSINESS VIA BUSINESS CREDIT REPORTS- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXL XXXX XX/XX/XXXX
Product: Debt collection

Company repeatedly calls to collect debt that I do not believe I owe, I had a XXXX outlet credit card, made a small around {$30.00} dollar charge. Due to the unexpected DEATH of my husband I missed its payment. Once I realized it, I immediately paid it, XXXX bank holder of the credit card, called and said there was a late payment due, I asked considering the circumstances, would they waive the late fee, they did not, most companies do, I also asked for the card to be canceled, they refused. I then got a bill for a trumped up charge of {$2.00}. I called them multiple times, asking to talk to a supervisor, the agent replied only if I made a payment to my balance. Then they started accruing penalties and fees, which the Better business bureau has sighted as unfair credit charges. My credit rating took a hit. Then they sold the debt to midland credit management who started harassing me with multiple calls from multiple numbers, I had to place a call blocker on my phone. I have had as many as 10-12 calls a day in rapid succession. This company has an unsatisfactory rating from better business bureau. All this mess could have prevented if XXXX XXXX  allowed me to talk to a supervisor.
Product: Credit card

See CFPB complaint # XXXX. This is a complaint that is completely separate from the complaint below but are connected in terms of the consequences the complaint above is having on the complaint below. 
My stepson XXXX XXXX had a debit card associated with his mother 's checking account with Chase. My wife has a credit card with Chase that is being reported as 245 % over its limit which is the reason behind CFPB complaint # XXXX. 
XXXX applied for a credit card and was denied because he was being reported as having a credit card 245 % over its limit when he does not. Chase claimed this was happening because his bankcard was connected to his mothers checking account. XXXX then closed the account he had in connection with his mother and opened an entirely new and separate card in his own name and with his own social security number and when he applied, he was denied because his credit report list him as having a credit card 245 % over its limit when he does not have any credit cards in his name at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Someone hacked into my bank account and bought two airfare tickets using my atm card and I just found out about it two weeks ago. I filed a claim with Bank of America, however they have not gotten back to me about the status of their investigation and have not provided me any information as to who stole my identity and money from my account. They actually returned the money into my account which was approximately {$530.00} only for it be withdrawn as fast as it was refunded to my account, and did not wan to provide me any information as to who took the money from my account again. Your assistance will be greatly appreciated. Thank you. 


XXXX XXXX XXXX XXXX
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. 

1XXXX XXXX XXXX has violated my rights 2XXXX XXXX 15 U.S.C 1681 section 602A. states that i have the right to privacy.

15 U.S.C 1681 section 604A. section 2 also states that a consumer reporting agency can not funish an account without my written notice or instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that 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.
Product: Vehicle loan or lease

On XXXX my car was deemed a total loss from a car accident that we had at no fault of ours the insurance company provided their payoff amount to Southeast Toyota finance I also had gap insurance and they provided their amount there is a balance left of almost {$5000.00} since I am still being charged the full monthly payment even though the car was deemed a total loss. I have made numerous attempts to try and make a payment arrangement or a payment plan with Southeast Toyota financial and they declined all payment options other than the fact of paying the complete amount of XXXX within 60 days currently my husband is unemployed due to Covid and I was diagnosed with Covid and I am not able to financially come up with {$5000.00} in 60 days I have asked for a reasonable accommodation to make the payment plan I understand that the that is owed But I do not feel that 60 days is sufficient time for XXXX to charge off the loan and sent to a collections company and ruin my credit when I am willing to pay we just need some assistance in a payment plan
Product: Credit reporting or other personal consumer reports

XXXX have been targeting young XXXX people of XXXX XXXX and purposely with the intent to fraud consumers into a mortgage agreement for a timeshare knowing there is no deed attached to the agreement 3 UCC ( 1 ) ( iii ) unauthorized use of my consumer report 15 USC 1681a transactions and experiences are not included in the consumer report, XXXX has violated this law with the intent to further damage my consumer report and finances 15 USC 6801 it is their obligation to protect this information
Product: Credit reporting

despite my inquiries your company has reinserted accounts previously deleted and unverifiable. I am demanding the deletion of the accounts bellow XXXX XXXX Status Closed Balance {$790.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$870.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$830.00} Type Collection Payment Status Late
Product: Mortgage

Behind on mortgage with Greentree, made a XXXX $ payment in XXXX 2015 to make account current however my account info reflects that a payment of {$41000.00} and Greentree continues to add other fees to my statements saying that we still owe ie : legal fees. Have followed their reguirements or steps ( all inguiries have to be made in writing, we speak to customer serv and supervisers, managers and we are told to send all inguires or requests for account info in writing. Our account is to this day not accurate. Payment of {$43000.00} made with cashiers check, have the reciept for proof and Greentree continues to refuse to help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX was closed as a " duplicate '' complaint. This is NOT A DUPLICATE. This is simply a new occurrence, which is a new violation, of the SAME EXACT FRAUDULENT PROCEDURE. This recent violation occurred on XXXX. That is not the same as the violation stated in any of the previous complaints. Specifically complaint XXXX was mentioned. That complaint was about the violation on XXXX. There was a separate violation with XXXX on XXXX. 

This is how this fraud and game is played by these companies. XXXX XXXX XXXX XXXX XXXX  agreed to remove a late payment over the phone for XXXX different accounts ( XXXX ). Then decided that they wouldn't delete the late payments the next month. Then in XXXX of XXXX they agreed to send a request to remove the late payments for both separate accounts. This request has been sent to the XXXX major Reporting Agencies on XX/XX/XXXX, XX/XX/XXXX and the XXXX of XXXX All XXXX times XXXX XXXX XXXX XXXX Bank also validated the late as accurate. Which basically put the entire process in reverse. So the late was removed and it reflected on my report and score and then days later it was reverted back to showing late. Again this is XXXX separate issues with the most recent being this month just XXXX days ago on the XXXX of XXXX. 

XXXX even admitted to such in their response to complaint XXXX. They remove it but then days later Transunion will do a dispute process after the correction has already been made. Then they send the dispute back to XXXX and XXXX validates the late as accurate and it goes back on the credit profile and the XXXX score drops almost instantly again. Even though they all get the complaints at the same time Transunion seems to conveniently run the dispute after the other companies resolve the issue. This late response always turns the issue back into a dispute and then basically back where it started. 

On XXXX separate occasions they have done this. I know the eOSCAR system, the data fields and XXXX language. I know about the XXXX and The XXXX XXXX XXXX XXXX. I know the FCRA and the regulatory structure, I know about the FDCPA. And I know that there are numerous blatant violations with just this account alone. 

Transunion responds slowly to everything. Their delay is causing a resolved problem to be unresolved. XXXX XXXX XXXX XXXX Bank is compounding the problem by re-validating. 

This is not a coincidence. This is a pattern. I have avoided litigation with XXXX XXXX ' XXXX XXXX ' because I felt that their efforts were respectable. But after seeing this pattern I now come to the belief that a lawsuit is the only way to truly get remedy and justice. XXXX XXXX is located in XXXX XXXX, MO so venue for a claim is local. 

So again, and for the final time this is my formal notice to file suit against XXXX XXXX XXXX XXXX Bank in XXXX days on XX/XX/2022. I have already filed against Transunion. I will petition the court of XXXX XXXX, MO with a claim against this company for several violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company stated that they verified the inaccuracy with the furnisher however attached is proof from the actual furnisher stating that they have not and never verified with any credit bureau, so the response statement given in case XXXX is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX Date of inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ), no entity is permitted to access my credit report without my explicit consent or a permissible purpose. The following hard inquiries appear on my credit reports without my authorization. I am demanding their immediate removal as they violate my consumer rights. 

As of XX/XX/XXXX, the unauthorized inquiries include XXXX XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ( XXXX entries ), XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX  XXXX  on XX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX  XXXX on XX/XX/XXXX ; and XXXX XXXX  on XX/XX/XXXX. 

Per FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate or unauthorized items on my credit report and demand their correction or removal. These inquiries have negatively impacted my credit score and must be deleted immediately.

I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer.

* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions.

* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate. 

I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.