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 XXXXXXXX XXXX  XXXX Account # XXXX, has violated my right to privacy. 
XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXXXXXX XXXX XXXX  XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my right to privacy. 
XXXX XXXX XXXX Account # XXXX, has violated my right to privacy. 
XXXX XXXXXXXX XXXX Account # XXXX, has violated my right to privacy. 
US Dept Of EducationXXXX Account XXXX XXXX, has violated my right to privacy. 
XXXX XXXX Account # XXXX, has violated my right to privacy. 

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 XXXX XXXX have been reaching out to this company for months to remove these items from my consumer report. I have sent letters and made calls and for some reason I couldn't get any cooperation from them. I think this is disrespectful to the consumer that agencies are furnishing my report without my consent which is a violation of the FCRA. I want these accounts removed from my consumer report immediately it is hindering me from using my own credit which is right that have as a consumer.
Product: Vehicle loan or lease

US Auto close down in XXXX. I was not aware of the close until late XXXX because I could still pay my car note through the website until I went in to pay on XX/XX/XXXX and I could not due to the website being shut down. 
I never received a notice from US Auto or from Westlake informing me that Westlake will be taking over my account. I received a phone call from Westlake stating that they were a debut collector trying collect a debut. I didn't know what they were speaking about because they never said they took over my account. When I was finally speaking with some I could understand he told that they had my account that I needed to pay them. He stated that they sent an email. I had him on the phone while I search my emails to find the email they had sent. Never found the email so he said he would send another which I never received. I told him that I understand what he was saying but I needed something showing me what he was saying. There are many scams out here and I wanted to be sure that I wasn't getting scam. He verified my email and said he would send it. I never got it. Then I started getting these emails saying payment due. It has a portal for you to open up but you can't open it unless you have account number which I didn't have. When I tried to speak with someone on the phone it wasn't English. I notice that the total amount on the email they are sending is XXXX XXXXXXXX. That was when I first got the car. I been having the car Since XX/XX/2022 and now they want me start over. They towed my car with a breakdown total amount due XXXX late fee XXXX and towing fee XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

Capital One suddenly blocked my credit, checking and administrative app " XXXX '' from accessing my vital Capital One credit card details in full. Capital One rejected my repeated attempts to reconnect the XXXX system to them. Please resolve and thank you.
Product: Credit reporting or other personal consumer reports

My car payment from XX/XX/2023 was reported as late. However, the payment was made out of our XXXX XXXX account. The check was canceled by XXXX XXXX, however, we never canceled the payment and there was money in the account. After this, we received a notice in the mail stating there was a data reach within XXXX XXXX involving all of our personal information. Now, we have a late payment from XXXX XXXX XXXX although the payment was made. Then, our car was repossessed although we made all payments. Now, were unable to get the car back unless we pay the full balance owed on the car
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX have been paid in full and are ruining my credit i have been working hard so many years to fix my credit and theybare holding me back from my future. Please remove these 2 accounts immediately as they are paid in full and should be removed from my account immediately. We have been at was with these 2 companies for over a year and they are not updating there information please delete these 2 accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failing to provide credit report data ID data and format appear, but with no data. Also affecting other agencies access
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 


Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX BANKRUPTCY Account number : XXXX Account name : XXXX  XXXX BANKRUPTCY Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. I sent you dispute letters with complete attachments of my personal information as well as the ID THEFT REPORT I received form the FTC last XX/XX/2023, and yet to receive a response. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.
Product: Credit card

I was having financial trouble and asked for help from FIA credit card services ... they put me in a program which I was paying on in a timely manner, for a very long time. The program included automatic payments from my checking. I noticed that a payment had not come out for a credit card payment and called FIA to fix. I was told everything was okay ... then I noticed that FIA charged-off my account ... despite my willingness to pay. I called and asked why they did the charge off if I was willing to pay ... and they told me that I was in a special program and that they could if they wanted ... so their answer was " they could if they wanted. '' While this was going on, I was receiving collection notices from Bank of America ... I did not have an open BofA account ... So I thought they were in error. I hired an attorney and the only information she was able to find out ... was that FIA was owned by Bank of America ... as a consumer ... I did not know this and they did not tell me. They ignored my attorney - would not talk to her. So, I have been punished for an account that BofA purchased, then promptly charged off as soon as they could. I have since settled the account ... but it is annoying that they just charged my account off for one late payment. It shows that it was somehow profitable for them to do so. I think collecting under another assumed name ... BofA collecting for FIA was not ethical ... they should have informed me. Also, when I worked for Banks ... charging off was for accounts that could not be collected. I have been working diligently on the repair of my credit since. Can something be done about this?
Product: Vehicle loan or lease

On XX/XX/2022. I Consumer XXXX XXXX sent a letter certified mail to Southeast Toyota Finance in regards to an alleged car loan with them, I informed them that the contract was misleading. Southeast Toyota could not validate this alleged debt/ car loan. They simply stated that the alleged contract validated the debt. The contract is misleading because it was a copy, I need to see the original. The contract could have been forged. I also need to see proof that Southeast Toyota had these funds in their account before it was given to me. According to 12 USC83 banks can not loan money ( own stock ). 12 USC 1431 the role of the bank is not to extent credit or loans. Only the original creditor can which is the natural person. Southeast Toyota Failed to respond to my my letter other than saying this alleged car loan was verified by a " copy contract '' not an original. Also I paid a downpayment of {$4000.00}. According the 15 USC 1662 the finance charge is the sum of all charges that does not include cash. Southeast Toyota does not normally charge a downpayment of {$4000.00} because I have had an alleged contract with them before and did not have to put anything down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my TransUnion credit history that was supposed to be taken off on date XX/XX/2018. With this inquiry my credit his being held down/no room for me to have another inquiry. Please tale this inquiry offf that isnt supposed to be there. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX got a copy of my credit report without my permission ON XX/XX/XXXX XXXX XXXX XXXX XXXX  got a copy of my credit report without my permission Please investigate and send me a letter of what investigation you used to verify these inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield and Associates was notified by me, via letter, on XX/XX/2019, that they were illegally and improperly reporting negative information to my credit reports and robo calling my cell phone without my express permission ( numerous messages saved ). 

I gave them until XX/XX/2019 to remove the accounts and cease contact or I would file a federal lawsuit. 

I even included my PACER profile sowing I am a Plaintiff in six federal consumer protection cases. 

Wakefiled and Associates ignored my warning and are still reporting, in a negative manner, five accounts that are incorrect. 

I have drafted and am filing my federal Complaint, which I will forward to your agency in a few days. 

I understand that I will be pursing the private right of action section of the FCRA and the FDCPA and that your agency can not assist. 

I am asking your agency to please take the Administrative Proceeding actions that you have congressional authority to prosecute and which I don't have standing to prosecute. 

Thank You for your assistance, and as I have done in the past, I will forward a copy of the Complaint to supplement this Complaint, once my Complaint is assigned and has a docketing number. 

If you need recordings of the TCPA violation messages prior to this, please contact me directly. I have them saved to a separate drive and can forward/upload. 

Thank You!
Product: Money transfer, virtual currency, or money service

The attached documentation shows all the required info requested. 
I will enclose all the communication with JP Morgan Chase as how I had tried to resolve this issue directly with them. 
This all started in XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX when I was frauded to transfer funds for a investment and upon several days of transfers realizing it was just a scam I stopped and sought Chase, XXXX and XXXX XXXX for assistance for the loss of my funds. 
I explained this to all involved parties that I was scammed from XXXX XXXX for a investment and with no opportunity to pay to release the funds over and over again. I stopped and sought help to retrieve my stolen funds. 
Their were other transfers that were non wire but I am here reporting the info I had requested from Chase directly. 
Thank you XXXX XXXX
Product: Credit reporting

TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : File No. XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, TX ( XXXX ) ACCT BAL : {$31000.00}. This account has been sold and closed. Please delete. 
2. ACCT NAME : XXXX XXXX XXXX ( XXXX ) ACCT BAL : {$8500.00}. This account was charged off. Please delete. 
3. ACCT. NAME : XXXX XXXX XXXX XXXX ( XXXX ) ACCT BAL : {$2400.00}. This account was charged off. Please delete.
Product: Mortgage

This is a new complaint due to the many lies and deceptions contained in the company 's response CFPB Complaint # XXXX. In short, SPS has blatantly lied on multiple answers : 1 ) I raised the issue that the judgment is dormant due to a clear violation of an Ohio statute. SPS said, " We have reviewed your claims and SPS does not agree that the debt is dormant and uncollectable. '' However, the issue is not subject to 'debate '. It 's a statute that was clearly violated. 2 ) In response the fact that I have a foreclosure sale date set, and have had one set since XX/XX/XXXX, SPS said, " ... you request that SPS cancel the foreclosure sale date ... however, there is not a foreclosure sale date scheduled at this time. '' However, on XX/XX/XXXX, the attorney representing Plaintiff XXXX XXXX  sent a letter ( attached ) that CLEARLY STATES that a sale date is set for XX/XX/XXXX. Additionally, the court docket shows the same ( attached ). 3 ) In multiple phone calls with SPS representatives over the past couple of months, it was determined that the ONLY piece of information still 'missing ' was a profit and loss statement for the business named 'XXXX XXXX XXXX ' . I then uploaded that P & L statement on XX/XX/XXXX, and rec 'd a confirmation email from SPS that the specific information requested - the P & L from 'XXXX XXXX XXXX ' had been received. And yet, today, SPS said, " OnXX/XX/XXXX, SPS submitted your account to be reviewed for all foreclosure prevention options. We require a complete loss mitigation application to review your account for all available options for which you may be eligible. On XX/XX/XXXX, SPS sent you a letter detailing the information required to complete the application. We still require all of the information noted in that letter. We have enclosed a copy of that letter for your review. We require the following information before we can review your account for the available options for which you may be eligible : SPS received a profit and loss statement from XXXX XXXX XXXX, XXXX ; however, the tax returns show as XXXX XXXX XXXX with the profession listed as Sales and Marketing. We need clarification if both businesses are the same. If they are not the same, we need a profit and loss statement for the Sales and Marketing Company. '' I 'm at a total loss here ... I have a sale date set for 31 days from now that SPS has repeatedly said is not scheduled, I have a statute that clearly says the judgment is dormant, and I have confirmation that I have submitted 100 % of the information SPS requested to BOTH start the review AND STOP the foreclosure, and yet, they still insist the do n't have the requested information, the judgment is not dormant, and there is no sale date set anyway. Federal law is crystal clear that a sale must be stopped if a completed loan modification is submitted 37 days or more prior to a sale date. I have demonstrably met that standard, and yet, a sale date is still set on my house, and worse, SPS is denying that a date even exists despite receiving from me 5 days ago screen shots of the Court docket showing the sale date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX that was advertised as a free soft check. I was alerted immediately that a hard check went through on Experian. I spent the rest of the night being bounced around to voicemails and various companies including XXXX XXXX to report the error with no response. I found later that my XXXX report had also been hit. Experian was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " XXXX XXXX '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from XXXX XXXX about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I ordered a credit report to check on it and found several hard inquries that were not approved by me and 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. 


list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.