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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX {$11.00}, XXXX XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX XXXX {$0.00} and XXXX XXXX XXXX for {$43.00}. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX  XXXX and XXXX. Please remove all from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX portal showed the account as restricted while there was a balance, as soon as the balance was paid off, the portal status changed to account closed. When I inquired about the account with the creditor, the representatives advised the account was closed for a year. The creditor reported the account as closed as of XX/XX/XXXX to the major credit bureaus, however, the creditor was still reporting late payments from XX/XX/XXXX through XX/XX/XXXX after the documented account closure date of XX/XX/XXXX, further causing misleading information on account status.
Product: Debt collection

In the month of XX/XX/year> an unknown person had used my information, which I believe is my Social Security Number to open up an energy account ( account ) # XXXX ) at XXXX XXXX located in Texas ( XXXX XXXX. I have never received any bills from this company. However, Since the account was delinquent, the account was move over to a collection company ; XXXX XXXX, XXXX, and that information was listed in my credit history. The total listed is {$550.00}. If the account was not sent to the collection company, I would not even know that my information had been compromised. I do believe my information is on the Dark Wed. I have reach out all credit agencies, and notified Social Security Department, and mention before contact collection company and the Energy company. Now I just waiting to hear from the energy company, which depends on getting them police report and the complaint.
Product: Debt collection

This is not my debt, I don't know whose debt it is and now after 11 years it is coming back to me again!! NOT MINE!!! GET IT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. 

It is further unreasonable that in order to find out if we were effected by the hack, they are requesting we give them our sensitive personal information AFTER we know they are not capable of keeping it secret. They should be directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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. '' 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. XXXX XXXX XXXX is a financial institution by definition under that title. 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. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 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. Equifax, XXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures. " I XXXX XXXX XXXX the consumer never recieved this loan credited to my account on my behalf to fulfill the obligations due to me upon signing the ( Promissory Note/Deed of Trust/ Entitlement Securities with XXXX XXXX XXXX XXXX ) contractual offer. XXXX XXXX XXXX HAS BREACHED OUR CONTRACT AND I DEMAND A RELEASE OF MY SECURITIES AND PROCEEDS ON THIS SPECIFIC ACCOUNT OF MINE.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account Number : XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Product: Debt collection

Hello, I have been contacted and harassed by a couple companies that I do not owe money to. Additionally, The credit reporting agencies won't remove it since the debt collectors have not conducted a proper investigation and just confirmed it is mine and they have not responded to me in the correct way.
Product: Credit card or prepaid card

On XX/XX/XXXX of this year ( 2020 ) we purchased two plane tickets on XXXX for myself and our son, totaling {$2600.00}. 
On XX/XX/XXXX XXXX canceled the flight on account of COVID 19. 
Under the Department of Transportation rules and XXXX 's own terms of service, we are cleary owed a refund. 
We attempted to receive a refund from XXXX, they refused. We filled a complaint through the Department of Transportation ( Case Number : XXXX ), XXXX again refused. So we filed a dispute with our Credit Card company, CapitalOne. 
After about a month of back and forth, CapitalOne ultimately chose not to enforce either the Department of Transportation 's order or XXXX 's own International Tariff.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX Account Number # #, has violated my rights.

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I inquired as to many erroneous inaccuracies on my credit profile I have yet to have been updated as to what is exactly going on, its been over 60 days now. 
I am seeking assistance in the upsetting matter that has come to my attention regarding my credit report these accounts are inaccurate unverifiable invalidated and questionable. If these items are not reporting 100 % accurately they must be removed. Can you please take a moment to clear this up on my behalf. According to law unverifiable, inaccurate accounts must be removed, thank you for your help in this matter
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. 
XXXX XXXX XXXXXXXX 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. And delete, this address never lived here XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX never gave this company written consent to add anything on my credit report. Please remove and delete.
Product: Money transfer, virtual currency, or money service

As I mentioned I fell victim to a multilayered scam operation orchestrated by XXXX (the Company) and innocently lost XXXX  XXXX  of my hardearned life-savings due to your misadministration.
This complex issue has caused substantial harm to me, and if not appropriately addressed, will 
cause substantial harm to others, we must therefore conduct an in-depth and comprehensive 
review of all of the contributing factors that have led to an outcome as horrendous as the one 
described herein.
Due to personal circumstances, I was particularly vulnerable during the victimization period; I 
was also relatively financially illiterate and very inexperienced in the finance sector which made 
me a prime target  for XXXX  XXXX  in this field.
Financial institutions are well aware of the scope and nature of such XXXX  and the risks that 
these pose to their clients, who, in contrast, mostly have limited knowledge of these dangers.
To be clear, people who have been scammed such as myself, are not individuals who have 
made poor investment decisions. They are people who have been tricked, lied to, deceived and 
emotionally manipulated. Sophisticated, aggressive sales techniques end up trapping the 
uninformed and unsuspecting victim who once in the clutches of the scammer cannot get out 
until most or all of the funds have been lost (stolen) by the scammers. A good comparison is a 
perpetrator who grooms his victim whilst at the same time XXXX  him/her and prevents them from escaping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting inaccurate information that should have been off my credit. I been dealing with this issue since my identity was stolen in 2016. I have to constantly check my credit, contact debt buyers who purchase the debt, dispute the debt, and yet still the accounts that were deleted from the other two reporting agencies XXXX and XXXX remains on Experian. This has cost me my job and housing placement by me living in the state of California they normally pull Experian. I have contacted Experian, called and even sent packages to headquarters and yet and still the inaccurate accounts still haunts me. Experian is violating the law. I have spoke to a supervisor in the fraud department and she told me over the phone that the accounts I disputed were accurate. I said to her how, you did not provide me any information to validate that this is so. When I know for sure they were purchased by other companies and I disputed it directly to them and they deleted the accounts. I am submitting this complaint along with my supporting documents to prove my case. Please help me as a consumer and I truly feel my rights are being violated. I am requesting that Experian remove these accounts and notify me when this is done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self.inc total amount {$740.00} not sure the date and time. 
On my credit report it says I owe the Self.inc stating that I signed up and was sent a credit card which I did not receive, I've been trying to get a hold of them but no response on neither on my email and phone. So please help me report this and fix this situation it's hard for me to figure this out and I dont want this to continue at all. Please help me clear this. Thank you so much.
Product: Money transfer, virtual currency, or money service

I have money in cashapp and not able to transfer it to account
Product: Debt collection

Attempting to reach out to this company debt co which Ive never done business with to understand with this erroneous info was on my credit for validation. XXXX has still failed to provide after several attempts
Product: Debt collection

american express keeps calling my house regarding my son who does not live with me and i don't know any of his business. i told them repeatedly not to call my house and they have my ; sons number which they could call but instead they keep harassing me and want info about my son which i don't have. i have been in the hospital for the past month and a half and my phone caller id is loaded with their number since i just came back home yesterday from hospital. they need to stop calling my house and threaten me. i have no business with this company and don't owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 handwritten instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS FAILED TO TAKE OFF ACCOUNT ON MY CONSUMER REPORT. THE ACCOUNT NUMBER IS XXXX ON MY XXXX REPORT, TRANSUNION, XXXX. HOWEVER XXXXXXXX XXXX HAS SENT AN EMAIL STATING THIS IS NOT SUPPOSE TO REPORT TO MY CREDIT FILE AND WILL SEND PROOF OF EMAIL FROM THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. states I have a right to my 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 or other personal consumer reports

Experian is reporting inaccurate late payments on my consumer report that isn't accurate. I've sent several disputes regarding this issue. Pursuant to 15 USC 1666B A creditor may not treat a payment late on a credit card account under an open - end consumer report late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637B of this title is mailed and delivered to the consumer not later than 21 days before the payment due date. I request that the creditor send me the periodic statements required by law of 15 USC 1637 ( b ) in order to treat this payment late or else update the late payments to ok or payed as agreed.
Product: Debt collection

Please inform this collection company to immediately cease contacting me at the number listed in this complaint for an alleged debt that they paid pennies for, also, the company makes repeated phone calls for an alleged debt without sending written notification. Additionally, the alleged debt is well past the Statute of Limitations for any further action on. Therefore, this company should not be passing on this debt to another sham collection outfit in an attempt to collect.
Product: Credit reporting or other personal consumer reports

Im honestly shocked and disappointed to see inaccurate accounts showing up on my credit report tonight. I had no warning and cant understand why this happened. I check my credit report regularly, but this time, there were discrepancies that appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the wrong accounts didnt go away. Im asking for a careful review of the documents Ive sent so I can have peace of mind and never worry about this again.