23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX, TransUnion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared ( 15 USC 6801 ). The below mentioned companies are financial institutions, and have furnished my personal information to the consumer reporting agencies. 
- 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 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The above mentioned financial institutions and the Consumer reporting agencies XXXX, TransUnion, and XXXX do not, nor did they ever, have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The above mentioned financial institutions never informed me of my right to exercise my nondisclosure option.

15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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. '' There are several adverse items within the reports furnished by XXXX, TransUnion, and XXXX, WHICH IS AGAINST THE LAW. The adverse items include collections accounts, charge offs, and/or delinquent accounts. Charge offs are considered certificates of indebtedness, which are qualified as income by law and CAN NOT BE REPORTED. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TransUnion, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXX XXXX XXXX XXXXXXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX XXXX XXXX. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$9800.00}. 


-Please delete all of these account in my credit report cause it's reporting inaccurately and it's causing too much damage and it's giving me XXXX.
Product: Credit card

This account was charged off, I asked creditor for original documents and dates pertaining to this application and they werent able to provide Im afraid that my information may have been compromised. My data was also exposed in a breach.
Product: Credit reporting

XXXX XXXX XXXX is a billing for {$1600.00} for the month of XXXX 2011, however I did n't live there during that time. I moved out of that residence XXXX 2011!! This bill does n't belong to me but to the owner of the condo.
Product: Debt collection

I declare under the penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX and XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violations punishable under 18 U.S.C. 1001. Additionally, those misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion
Product: Debt collection

I am reaching out to challenge the presence of the XXXX  entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this XXXX  should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Product: Checking or savings account

Today, XX/XX/23, I, a person with XXXX  and XXXX, attempted to address the issue of my account Being overdrafted. I got hung up on not once, but twice, and the third time i called back the wait was XXXX minutes. None of the workers speak English very well nor are they very understanding or sympathetic. 

Furthermore, again, these XXXX transactions in XXXX are NOT mine. The provisional credit was reversed with NO notification or communication. My account is all in disarray and they have been giving me the runaround when i am simply trying to pay what I owe! 

This is XXXX  and frustrating. I am an American citizen and want some help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted XXXX  and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX XXXX O D ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXXL with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO. 

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX  XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Thank you for your help in protecting my federally protected consumer rights.
Product: Vehicle loan or lease

I called in to Ally Automotive 's automated call center on XX/XX/XXXX to make the final payoff on my XXXX XXXX XXXX. I was quoted a payout amount of {$1000.00} through the automated phone system and directed to XXXX XXXX to make my final payment. I did so the same day. When I called on XX/XX/XXXX to inquire about getting my payoff letter and title, the same automated system quoted an amount around {$150.00} to complete my payoff. I asked to speak with a representative, and then a manager. I got a polite but incomprehensible explanation of why the amount quoted by the automated system was not truly the total payout due to complete my contract. 

I made final payment on XX/XX/XXXX and recorded the conversation with the Ally representative in which he gave me the amount due to close my account and assured me that no further payments would be due. 

I believe that Ally 's automated system is misleading, and that they are being deliberately opaque in order to bilk customers for additional payments at the end of their loans.
Product: Credit card or prepaid card

I submitted a payment to my Synchrony credit card through XXXX. I have made multiple payments to this credit card, some more than the {$400.00} I just submitted, and have had no issue. For some reason, the {$400.00} payment I made to the card has a hold on it through the credit card company. I have never heard of a hold being placed on a PAYMENT towards a balance. I called the credit card company, and they said the hold would be removed 8 days after I submitted the payment. So all of the bills I tried to pay with this card can't go through until they remove the hold. Now I suffer late fees because this bank arbitrarily decides to hold payments. Why would a company deter you from submitting payments frequently and on time??
Product: Student loan

I am the cosigner on a loan with Nelnet. On XX/XX/17 the primary borrower made a payment to the account for the amount of {$560.00} and received confirmation from Nelnet that the payment was processed. Approximately 3 days later Nelnet informed the borrower that the payment did not go through and that he would need to re-submit, which he did. He again received a confirmation that the payment went through ( and this time showed me the confirmation, which included a confirmation number ). At the time he received the confirmation ( with the confirmation number ), the payment was still within the 90 day window before they would report a delinquency to credit agencies. 

Nelnet replied back to the borrow approximately 4-5 business days after the borrower submitted the payment letting him know that the payment was unable to be processed and that he would need to resubmit payment. What they did not communicate is that they also reported the payment as delinquent to reporting agencies, causing my credit score to plummet. What I feel is wrong about this is that the borrower was actively working with Nelnet to make the payment and received a confirmation number twice indicating the payment went through and yet they have now permanently damaged my credit score as a result. The issue is that they gave us an incomplete picture of the state of the payment ( nowhere in the confirmation image does it mention the payment is still pending and in fact it contains a button that says " print for your records '' which causes the user to think that the payment has completely gone through )
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that is my right by law to dispute inaccurate information on my credit report and from my understanding the Experian doesn't wish to allow me to exercise that right. I have mailed my dispute to them and never received any correspondence from them in regards to my investigation into the matter as I was also a victim of a data breach from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are three duplications of the same accounts. XXXX XXXX is showing and then XXXX XXXX who purchased the debt with all the same information and details. In addition to that account XXXX XXXX is showing and then XXXX XXXX XXXX.with the exact same debt and details also being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account XXXX, XXXX card services account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX  these accounts 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof.
Product: Credit reporting or other personal consumer reports

upon reviewing my consumer credit report, I discovered inaccurate late payment notations on the following account : Sensible auto I take my financial obligations seriously and have always made timely payments on this account. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I have the right to dispute any inaccurate or incomplete information on my credit report and request a thorough investigation into these discrepancies. 

I formally request that you provide verifiable documentation, such as billing statements or payment records, proving the accuracy of these reported late payments. If you can not substantiate these claims with documented proof, I demand that these late payments be promptly removed or updated to reflect their accurate on-time status. 

Failure to correct inaccurate reporting may constitute a violation of the FCRA, and I am prepared to escalate this matter if necessary. Please update my report accordingly and provide written confirmation of the corrections. 

I appreciate your prompt attention to this matter and expect a response within the legally mandated 30-day period, as outlined in the FCRA. Should you require any additional information from me to facilitate this process, please let me know.
Product: Money transfer, virtual currency, or money service

I am currently residing in XXXX but I got my driver 's license in XXXX. I used my XXXX driver 's license to verify my Account with CoinBase. CoinBase is stating that XXXX  does not support Coinbase and my account is suspended indefinitely. I was not actually in XXXX during anytime I have held an account with them. Their help page states to withdraw all currency, however, I am unable to access the option to withdraw my money. I do not have access to any of the XXXX dollars that I had invested with them. This is very distressing and any help that you can provide will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXXXXXX that was removed from my XXXX and XXXX credit file on XX/XX/XXXX due to identity theft. It was re-inserted back on my credit report as a collection which is a violation to the Fair Credit Reporting Act as of XX/XX/18. I am filing a complaint that this account has been reinserted on my credit report. I demand that this be removed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Reporting Act the following companies has violated my right. 
XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 an account without my written instructions
Product: Debt collection

Per the FCRA, as a federally protected consumer, I am exercising my right to opt out of ANY AND ALL AUTHERIZATION, I THE CONSUMER MAY HAVE GIVEN YOU written, unwritten, verbal, or non-verbal per 15 USC 6802. 

Failure to comply is a direct violation of federal law. Under 15 USC 6801- Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The law defines nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. Per the FCRA as a federally protected consumer I have opted out of any and all authorization whether it be written, unwritten, verbal, or nonverbal. 

Once again, I am exercising my right to opt out when it comes to the communications between my credit furnishers and any credit reporting agency, in accordance to 16 CFR 313, which grants consumers the right to opt-out of certain information-sharing practices. This means that individuals have the choice to restrict the sharing of their financial information with certain third parties. 

Further more as stated, I have opted out of any and all authorization per 15 USC 6802 from the reporting of this account. 

Your own Privacy Policy states that you do not share Customer Information with non-affiliated third parties. 

Additionally, you are attempting to collect a debt that you have no legal right to collect.

To legally collect a debt you need to be in possession of the Promissory Note/ Retail Installment Agreement with my ink signature, and the UCC-1 Financial Statement. This is called a Perfected Lien. There needs to be a UCC-1 filed in my state. 

This account was Charged/Off which is a cancellation of debt, also known as a Certificate of Indebtedness, which is now considered income. Income can not be included on a consumer report. 

This account is now in dispute and needs to be removed from consumer report, as no collection activity can be conducted while in dispute. 


Thank You
Product: Credit card or prepaid card

Hello I had purchased American Express Serve Cards - total of 4 cards ( one each for my daughter / wife / father-in-law and me ). When I tried to register these cards on our name we were denied stating some issue. We were told to spend the balance on the card and close it. However they charged {$4.00} on each card after 30 days as we were not able to use the balance by then. 

The issue - if the card would had been registered on our name we would not have had those charges as the terms mentioned the same. But due to the issue with the registration process we had to pay the fees. Also using around {$500.00} from each card was not possible in a month and hence we were lost around {$19.00} and requested American express serve prepaid card company to refund it. But they did n't do the same. Need help here.