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

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

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then 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: Credit reporting or other personal consumer reports

I am a victim of the XXXX XXXX XXXX and would like all accounts mentioned to be blocked and deleted pursuant XXXX XXXX XXXX ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX 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

I found some billing inaccuracies in my credit report related to late payments, which are inconsistent with my usual record. Kindly correct these errors and update my information.
Product: Checking or savings account

I received a notice that my accounts had been restricted. Freezing all activity while XXXX looks into it. They could not give me a timeline on how long it would take. 

I have bills to pay that will not be paid until this restriction is lifted. I asked them to lift it multiple times but no one on their end can help or say when it will be resolved. 

Currently all my assets with them are frozen with no resolution or timeline from them.
Product: Debt collection

XXXX XXXX XXXX ORIGINAL CREDITOR XXXX FOR {$2100.00} IS A RESULT OF IDENTITY THEFT HAS ALREADY BEEN DISPUTED AND REMOVED THROUGH EXPERIAN IT NOW APPEARS THROUGH THIS NEW COMPANY XXXX XXXX AND IS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I am reporting XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. When I attempted to get to my account online to get accurate information, I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to XXXX. The same information ( 1099C, 1099OID, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to XXXX for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as XXXX as the Internal Revenue Service has been notified and also it must be updated to XXXX balance on credit with no lates. I am requiring this to be updated with 1. XXXX XXXX, XXXX, 2. XXXX, 3. XXXX, 4. Transunion, and 5. XXXX XXXX. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND XXXX BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : XXXX XXXX XXXX XXXX. This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX  XXXX. Unauthorized inquiry. No car purchased.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Chase Mortgage company charged my account double and has not worked with me to get the money back to me in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never ordered any product from this company, I have never lived at any address in which it was sent, and it is included in my police report detailing the fraud that has occurred. Please review the attached documentation ( ACCOUNT EIGHT ).
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate 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 and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So a few months ago I fell contacted XXXX XXXX XXXX in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by XXXX XXXX XXXX   offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report ran by XXXX XXXX XXXX XXXX XXXX, 2017 by non-profit alliance for homeownership shows duplicate accounts from nelnet college loans accounts. Balance should be {$63000.00} with monthly payment of {$230.00} ; but is shown as $ XXXX.with monthly payments of XXXX, because the source code was entered in differently for source XXXX XXXX . I  attempted countless hours speaking with Nelnet to fix this problem. I spoke with 3 different supervisors and the floor manager and was given several different reasons why the duplicate accounts occured without ever taking accountability for the error in their data processes. I need Nelnet to take accountability for their mistake so it does n't happen to anyone else. Please assist in the correction needed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus asking them how did they verify the bankruptcy placed on my credit report, I sent clear documentation asking the courts do they release public information to the credit bureaus or third parties and the court responded and said no. The bureaus clearly failed to respond to me in a timely manner and I would like for this information to be removed from my credit report ASAP.
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I have been divorced since XXXX. My ex husband had 30 days from XXXX to take my name off of his accounts. He has not and my credit is being greatly effected. I have already spent {$30000.00} divorcing him and he was awarded his car, the camper, and he has not been paying ether and we are linked through BECU. They keep closing my bank account and my credit is decreasing. I have been trying very had to get my credit to recover from this divorce and I can not afford to take him back to court. 

I have the account number. The camper has already been charged off and they are searching for him. His car he has not paid it since XXXX I believe.
Product: Mortgage

I made a complaint against Navy Federal Credit Union against unfair tactics to collect debt on XX/XX/XXXX. They locked me out of all online accounts, to include my mortgage. This time they are going after my VA Mortgage. As of XX/XX/XXXX, they are once again not sending mortgage payment statements. They also failed to post my mailed check for payment for XX/XX/XXXX mortgage. This check was sent via XXXX XXXX XXXX ( XXXX ). 

I called a Navy Federal Credit Union mortgage XXXX on XX/XX/XXXX to inquire about payment and statement status. My check sent from a non-profit organization that is tied to the United States XXXX has, for some reason, not been received or been posted. I asked why I haven't been receiving statements, like in the past, and the mortgage XXXX was unable to access the mortgage statement for XXXX and informed me it hasn't been sent out yet. Why do they ( Mortgage XXXX  ) not have access and why has my XXXX statement not been sent yet? 

Navy Federal Credit Union is now messing with a governmental agency ( the XXXX XXXX ) and a non-profit organization, XXXX XXXX XXXX, that has close ties the XXXX. XXXX has paid for my mortgage for XX/XX/XXXX via check and sent via the paystub on the XX/XX/XXXX statement. 

I have continued NO ACCESS to my Navy Federal online account to handle and pay for my mortgage. 

Navy Federal is continuing to fail to follow the XXXX order listed below : https : XXXX Specifically from that order and is my situation : " Illegally froze members access to their accounts. 

I will work with these agencies to take action against Navy Federal, if there is no resolution for my VA XXXX.
Product: Debt collection

XXXX/XXXX/2016 XXXX XXXX XXXX calling from XXXX, returned my XXXX returned call. XXXX called me at XXXX in the morning wanting to talk to XXXX, who has resided over a XXXX miles away, in Texas, for nearly a decade. We live in different states, with different area codes. He claims he did n't know. He is a bill collector, he knows where that relative lives. He knows that he is not to call before XXXX or after XXXX, it is his profession to know. XXXX XXXX said he would take my phone number out of their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a line by line investigation of the account listed below, In Accordance With the Fair Credit Reporting Act. This account has violated my federally protected consumer rights : XXXX XXXX XXXX Account # XXXX. 15 U.S. Code 1692b Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ; ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of 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. Any communication effected by the mail 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 and 15 U.S. Code 1692c Communication in connection with debt collection, ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REVIEWING MY CREDIT REPORT FROM TRANSUNION AND XXXX, I FOUND UNAUTHORIZED ACCOUNTS AND INQUIRIES. I MADE NUMEROUS ATTEMPTS TO RESOLVING THIS MATTER AND NO SUCCESS. THESE ACCOUNTS DOESN'T BELONG TO ME AND I NEED THIS REMOVED.
Product: Checking or savings account

On XX/XX/XXXX my account at Robinhood bank that I have maintained for over 6 yrs was blocked. I called Robinhood to see why and was told it was for security and security had to verify transactions. I did so and noticed a few XXXXXXXX XXXX transactions that I did not do. After going over the electronic transactions was not told they are filing a report or anything besides we have to send your account for review. I also share a XXXX account with my son as well as my own account. There seems to be a very strange thing happening between the 2 account where transactions on my sons XXXX account are somehow being charged to my Robinhood account. As far as I know XXXX and Robinhood are not linked in nor affiliated so they have not explained and I really need an explanation of how my sons transactions at XXXX are being charged to both his XXXX account and my Robinhood account.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to protect and prevent fraudulent activity, leaving my account vulnerable and unprotected. Their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These activities caused significant inconvenience and financial loss. I seek appropriate assistance and reimbursement for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting the fraud accounts on ny credit since XXXX. I have sent police reports and even letters from XXXX other credit bureaus that confirms my identity has been stolen. Experian continues to allow hits on my credit even after I sign up for notifications and alerts!
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

LDVLAW - Lyons , Doughty & Veldhuis P.C/P.A noted an amount from XXXX XXXX that they are demanding payment. I sent a letter requesting verification ( solosuit ) and got back several XXXX XXXX statements in the mail. 

I see problems with these statements : XXXX. The {$40.00} fee is waived for a period that was not for the period noted 2. The APR interest rate changed three times and I did not receive a reason from the XXXX  XXXX for changing ( raising ) the APR ( making it more difficult to pay back ). 
XXXX. I feel XXXX  XXXX purposely made the account more difficult to pay back with the additional fees when they proved they can waive them and the changes in the APR interest without proper paper mailed with notification required by the FDCA. 
XXXX. I feel these amounts should be adjusted and the last months that XXXX XXXX was changing rates without USPS mailed notification should be removed from the debt collection process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year>, I fully paid off a debt that had been transferred to a collection agency by XXXX XXXX XXXXXXXX. It is important to note that the debt was sold to the collection agency without my consent, which I believe is a violation of my rights as a consumer. After paying off the debt in full, the collection agency assured me that the charge-off status would be removed from my credit report with all three major credit bureaus ( XXXX, TransUnion, and XXXX ) XXXX 

However, despite their promise, the charge-off remains on my credit reports, negatively affecting my credit score. I have contacted the collection agency and the credit bureaus multiple times since then to have the charge-off removed, but no action has been taken to correct this inaccurate information. 

The original creditor was XXXX XXXX XXXXXXXX, but they transferred the debt to a collection agency without notifying or obtaining my consent. I have attached proof of payment and correspondence with the collection agency confirming the debt was paid in full. Despite the debt being settled, the charge-off remains on my credit report, and I am requesting that it be removed immediately as it is causing unnecessary harm to my credit profile. 

*Dates Involved : * - Date of full payment : XX/XX/year> - Date when the charge-off was supposed to be removed : immediately paid *Actions Taken by Companies : * - The collection agency promised to remove the charge-off but failed to do so. 
- I have contacted XXXX, TransUnion, and XXXX regarding this issue, but they have not removed the incorrect information from my credit report. 

*Relevant Consumer Protection Law : * Under the *Fair Debt Collection Practices Act ( FDCPA ) *, consumers are protected from unfair debt collection practices, including the unauthorized sale of debt. The sale of my debt to a collection agency without my consent could be a violation of this federal law, particularly if I was not properly notified. I request that the charge-off be removed from my credit reports with XXXX, TransUnion, and XXXX as soon as possible, and that my rights as a consumer be fully respected.
Product: Credit reporting or other personal consumer reports

Experian is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Experian written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.