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 XXXX XXXX XXXX XXXX XXXX XXXX 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. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
NOTICE : EXPERIAN is only a reporting agency and in violation of utilizing hired overseas agents from foreign governments to handle American National Asset CUSIP information of my Estate and ALL their AMERICAN/CORPORATE ENTITIES/PERSONS that call these three reporting agencies. This IS a direct threat against EVERY customer/client these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Agency. 
Therefore, my uploaded supporting documents will show that Eye, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL Negative reporting from these false Reporting XXXX that are preventing professional and financial growth of the XXXX XXXX XXXX XXXX Acct # XXXX. This reporting is also a deliberate trespass against the XXXX and its Fee Schedule. ( See attached ) Per UCC 3- 311, and UCC 3- 308 all reporting creditors have failed to return negotiable instruments nor countersigns of coupons/vouchers to show proof of non-acceptance by way of Certified Mailing as Petitioned, therefore the Estate hereby Demand every creditor have a 1099 OID form filed on every account associated with XXXX XXXX XXXX Under XXXX XXXX XXXX. I Know that YOU as the C.F.P.B. will heed to the attached Filled UCC 1 Statement and MAKE the PROPER reporting to EACH creditor giving NOTICE that the XXXX XXXX XXXX and its Estate are HEREBY Secured Party/Creditors. Any other negative reporting there-after will be seen as Defamation of character, Breach of Common Law Copyright Agreement, Harmful and Abusive Language, and Violation of the Estate Fee Schedule
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a XXXX with XXXX/XXXX and met all obligations as required. A mistake in the accounting procedure of XXXX without my permission or knowledge shifted my account temporarily to XXXX XXXX of which I never applied to or had an account with. This caused numerous reports to the credit people of late payments when they actually were not only on time and correct but 1 account more was paid and the account instead of being late was ahead. I have written numerous times and am attaching 8 pages of documentation for review.

Thank you for helping me get this cleared up and the credit reporting agencie : XXXX, Experian and XXXX to correct and remove all false reports
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Student loan

First, we had many phone conversations with people from Navient to tell us what payments had been paid with Salle Mae before they took over the student loan. They never could tell us the payments. It was a loan for {$36000.00}. XXXX. But when Navient took it over, it was {$5000.00} more. We asked Navient to send a record of the payments that had been made from the beginning of the loan which was with Salle Mae in XXXX before Navient took it over in XXXX. We received a payoff adjustment form which makes no sense with no dates. This form came from XXXX XXXX XXXX XXXX in XXXX, AZ. Another issue we have is the balance on this loan seems astronomically high after paying on it for so many years. The way they figure the payments makes it difficult for one to see if the figures are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit report I called the credit Bureau stating some used my identity apply for items that not competed by me ask them to delete these inquiries and collection XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX /Bankruptcy XXXX XXXX discharge XXXX # XXXX /Bankruptcy XXXX  XXXX dismissed XXXX # XXXX / Bankruptcy XXXX  XXXX dismissed XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX employed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX XXXX from Toyota Motor Credit Corp. in XX/XX/XXXX, the SUV was returned on XX/XX/XXXX which was its due date and the mileage on the SUV was XXXX ( I was allowed to use XXXX per year ) well within the target needed for a 3 year lease, I have a copy of the returned document.

The next thing I know is a letter from a XXXX XXXX XXXX debt collector, they are telling that the SUV was stolen and was eventually recovered and that I owe {$2200.00} dollars. I called and spoke with a XXXX XXXX in XX/XX/XXXX, I also called Toyota who refused to speak with me as they had turned this in to a debt collector. I have not been able to resolve this issue after calling and engaging now every month and feel my hands are tied, I need your help as they are also hurting my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting

I lived in an apartment, called " The XXXX '' in XXXX, VA. I fell behind in payments. I began to catch up with them on terms with XXXX specific person XXXX XXXX XXXX XXXX. That person left the company. I made other arrangements but that person also left the company. An agent from Carter-Young contacted me and I began to dispute the amount that was said I owed while agreeing to start paying off in the process. The agent XXXX XXXX XXXX ) I worked with did not put my information into dispute and also wanted me to pay a higher amount every month as she was not satisfied with me paying the minimum. She then threatened to put it on my credit report as someone who was not paying anything, then hung up on me. I called back attempting to converse about what was going on and to speak to a manager, she said everything was fine and would not transfer me. 
Less than a week later it showed up on my credit report and with a higher balance. I then called the main number to reach a manager because the agent would not transfer me to or get the attention of her manager for me to speak to. 
Speaking to the manager, the manager said the best thing to do is send in all of my proof that the balance was off, then she forwarded it to corporate of " The XXXX ''. 
The XXXX ' XXXX XXXX also asked me to send the information, but then disregarded it and said that all of the paper work did not match what they have and that it was therefore dismissed. I have papers from the court saying that I paid and even the proof that I had been trying to pay until each mishap and they continue to leave the same balance on my credit report and are blocking me from doing anything, as they keep placing derogatory marks on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : XXXX {$230.00} Account Info Account Number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$230.00} Account Info Account Number XXXX Open/Closed XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$230.00} Account Info Account Number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$720.00} Account Info Account Number XXXX Open/Closed Open Date Opened XX/XX/XXXX XXXX XXXX XXXX {$230.00} Account Info Account Number XXXX Open/Closed Open Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$230.00} Account Info Account Number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX {$8500.00} Account Info Account Number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX$230.00} Account Info Account Number XXXX Open/Closed Open Date Opened XX/XX/XXXX XXXX XXXX  {$720.00} Account Info Account Number XXXX Open/Closed Open Date Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report more than 30 days ago, XX/XX/2022, and requested Experian update my personal information. More specifically my name. I found multiple variations and spellings of my name. I only go by one name and one spelling of that name. I sent documentation providing my name and the one variation of spelling to Experian and my information still has not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
TRANSUNION : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX  : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

today I went to auto dealer they checked my credit on all three agencies. 
experian- XXXX XXXX XXXX and XXXX- XXXX but since experian was low FICO score they wanted to charge 7.9 % interest This is definetaly cheating ... ... ... ... Why can't we have all three credit bureaus some what similar FICO score. Since all lenders look at FICO
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I logged onto XXXX to obtain a recent copy of my credit report. I was denied a credit report due to an open dispute. It has in fact been 30 days since I mailed the dispute. I have received no communication from Transunion to state that they received my dispute, that an investigation has begun, etc.
Product: Checking or savings account

Due to a system error over the holidays I was unable to view or access my account. However I was hit with 8 over draft fees totaling over {$180.00}. Over just 4 days starting on XX/XX/year> - XX/XX/year>. 5 of the fees are- {$35.00} each while the most recent 3 were - {$8.00}. They can reduce the fees and thats all Im asking. Also when asked for assistance they tried to sell my stuff
Product: Student loan

XXXX has n't failed to accept application for repayments during hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX TransUnion allowed two unauthorized hard inquiries on my TransUnion Credit Report to an unknown inquiry.
Product: Mortgage

I've continually called and written about simply wanted my loan payoff from a loan I have paid off. I want to make sure they paid me the correct escrow refund. They keep saying they'll email it and we've had multiple emails and no one ever sends it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

SIMPLE. THE XXXX XXXX XXXX XXXX ACCOUNT WAS CLOSED AND REMOVED BY THE COMPANY THEMSELVES. XXXX AND XXXX HAVE ALREADY REMOVED THIS ACCOUNT BUT NOT EQUIFAX. WHY? IT IS NO LONGER VALID SO IT NOW IS A UNFAIR BLEMISH ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA XXXX XXXX XXXX XXXX XXXX TEXAS XXXX EMPLOYEES XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made an uninformed decision on XX/XX/XXXX, when I entered this consumer transaction with JP Morgan Chase. 15 U.S Code 1601 ( a ), I was uninformed of the basic facts with two consenting parties and with a clear understanding of what was in the agreement. There is no evidence of indebtedness, the only evidence of indebtedness was the agreement that is null avoid due to the information not being clear and conspicuous. In order to have adequate notice, there must be pertinent facts clearly and conspicuously so that I could have reasonably noticed it and understood its meaning 15 U.S. Code 1602 ( k ). A computer generating pages of terms of agreements can not be adequate notices that everyone can understand. This is for account XXXX. 

This CFPB complaint was submitted on XX/XX/XXXX and JP Morgan Chase still has not responded with evidence of indebtedness outside of the null avoid agreement. The only way this could be shown is through 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. There was no letter of written instruction produced from JP Morgan showing I gave them permission to furnish this fraud on my credit report. IT NEEDS TO BE REMOVED IMMEDIATELY.

Violations {$1000.00} per violation 1. Uninformed decision with no clear understanding 2. No evidence of indebtedness 3. No clear and conspicuous adequate notice 4. Inaccurate account close date on credit report 5. Inaccurate first date of delinquency on credit report 6. Failed 15 U.S.C. 44 {$6000.00} in violations
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to dispute and demand the immediate removal of the following hard inquiries that appear on my Equifax credit report. I confirmed I am victim of the Equifax data breach, which exposed my personal information, making me more vulnerable to fraudulent activity. I did not authorize these inquiries. The inquiries in question are : Inquiry from : XXXX, XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX, XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from : XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from : XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX, XXXX XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from : XXXX  XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX  XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXXXX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX Inquiry from : XXXX  XXXX XXXX XX/XX/XXXX Inquiry from : XXXX XXXX XXXX XX/XX/XXXX As required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I am notifying you of this unauthorized activity on my credit report. These inquiries were not initiated or approved by me.

Violations by Equifax Failure to Block Information Resulting from Identity Theft ( FCRA, 15 U.S.C. 1681c-2 ) : As a victim of identity theft, I have the right to have fraudulent inquiries blocked from my credit report within four business days of submitting my request. You have failed to comply with this requirement.

Failure to Conduct a Reasonable Investigation ( FCRA, 15 U.S.C. 1681i ) : Despite notifying you of the fraudulent activity, you have not conducted a proper reinvestigation of the disputed inquiries or provided a valid explanation for their continued presence on my report.

Reporting Inaccurate Information ( FCRA, 15 U.S.C. 1681e ( b ) ) : Continuing to report unauthorized inquiries that were clearly disputed and documented as fraudulent demonstrates your failure to ensure maximum accuracy in my credit file.

Failure to Notify Data Furnishers of a Dispute ( FCRA, 15 U.S.C. 1681i ( a ) ( 2 ) ) : If you did not notify the companies responsible for these inquiries of my dispute, you are further in violation of your obligations under the FCRA.

Negligence Related to Data Breach Protections : As a victim of the Equifax data breach, your failure to act promptly and responsibly in addressing identity theft claims stemming from your negligence exacerbates the harm caused by the breach.

I demand the immediate removal of these inquiries from my credit file and a written confirmation once the inquiries have been removed
Product: Credit reporting or other personal consumer reports

This to formally lodge a complaint against Experian for failing to remove fraudulent accounts that were previously reported and addressed to them from me after noticing it on my report. Continuing to store and furnish inaccurate information despite multiple attempts to address these issues, the bureau has not corrected the inaccuracies nor removed the fraudulent accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit bureaus are required to ensure the accuracy and completeness of the information they report. Additionally, 15 U.S.C. 1681b requires that information furnished to credit bureaus must be accurate. The persistence of these inaccuracies not only violates my rights under the FCRA but also damages my creditworthiness and financial reputation. I request immediate intervention to rectify these inaccuracies and remove the fraudulent accounts from my credit report. Accounts in need of immediate attention as of follows : XXXX XXXX XXXX  # XXXX fraudulent account listing and storing inaccurately across the scope and even more falsely displaying my true transactions and experiences in my consumer file. 
XXXX XXXX # XXXX fraudulent account still listing even with Ftc report , written letter from me etc. Account falsely displaying across data furnishers even more damaging to my creditworthiness and reputation
Product: Credit card or prepaid card

I paid the XXXX, they took it out of my bank applied the payment BUT DID NOT release the credit hold for 15 days. this could mean a company would see that i had a lighter credit usage and balance on my XXXX score than I actually did which is the very definition of a UDAAP and super bad since that procedure is not disclosed to the consumer by Synchrony Bank anywhere. You all should do a payment exam on their payment practices for the pay pal card for new customers- they told me any customers. This is a fairness problem with payment application, they have the money and refuse the release the credit amount in full. Bad. Bad. I spoke to them and the executive and the completely acknowledged this practice and seemed to be proud of it. Not a good practice and could completely cause much consumer harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX, {$3200.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 A account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called Universal Recovery and spoke with a representative that was very disrespectful to me even called me " waist of time ". They refuse to help with me and said they don't do pay for deletion it company policy. The supervisor confirmed they don't have proof of the debt. I feel this should be taken off my credit report since they cant prove what it is.