23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Ive been scammed on the internet by a so called trading company. When these people were in the process of scamming me I received a letter through my regular mail about the Lending Club bank based in California. They were offering high interest rate loans of up to XXXX XXXX. Because I was operating under the illusion I was making good profits in the gold vs dollar market and being conned by the scammers, I applied for the loan to deposit more money in my trading account that in the end was all fake and I could never withdraw any money from it. The loan was approved in 3 days and they did not ask for any proof of income. They only checked my credit score and went ahead with the loan. Now. this scam I was the victim of is being investigated by the FBI. I had never applied for a loan before and did not search on the internet so it is really kind of weird I received that promotional letter from Lending Club at the moment I was being duped. Im in the process of filing for bankruptcy since it will be impossible for me to make 1390 monthly payment for 36 months. The first payment has already being debited from my bank account but I intend to close this account.
Product: Debt collection

LVNV Funding LLC : collecting debt for XXXX XXXX Bank. {$560.00} 2016 reported Identity Theft with XXXX 
XXXX : collecting for XXXX {$190.00} reported identity theft to them and to credit bureaus identity theft. 
XXXX : collecting for themselves. {$530.00} reported to them and to credit bureaus identity theft. 
XXXX XXXX : collecting for themselves. {$1000.00} reported to them and credit bureaus identity theft. 
XXXX XXXX collecting for themselves. {$500.00} reported to them and credit bureaus identity theft.
Product: Credit reporting or other personal consumer reports

As stipulated in 15 USC 1681 section 602 ( a ) of the FCRA, it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. I am particularly attentive to the principles outlined in 15 USC 6801, which underscores my prerogative to safeguard the privacy of my personal information.

Moreover, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. In light of this, it is crucial for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as outlined in section 1681b.

After a thorough examination of my credit report, it has come to my attention that certain accounts may not be in compliance with these regulations. Specifically, I am requesting the removal of the following accounts : XXXX XXXX XXXX - Balance : {$13000.00} XXXX XXXX XXXX- Balance : {$3300.00} In accordance with my rights afforded by 12 CFR 1016.7, I am exercising my right to opt out of certain information sharing practices. Additionally, pursuant to 15 U.S Code 6802, as a financial institution, I kindly request the provision of the original contract with the original signature and creditor information associated with the aforementioned accounts. 

Thank you for your prompt consideration of this request.
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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX XXXX  : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX XXXXXXXX : ACCT # 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 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.

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Debt collection

PROFESSIONAL PLACEMENT SERVICE has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major HIPPA violation because I have never done business with PROFESSIONAL PLACEMENT SERVICE yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
Product: Credit reporting or other personal consumer reports

EQUIFAX response to my previous complaint will show they are in full acknowledgement of violating the FCRA. EQUIFAX failed to do an investigation into the information provided by the information providers. The information that EQUIFAX claimed to be verified and accurate for the accounts mentioned are absolutely inaccurate. This proves that EQUIFAX with full acknowledgement and deliberation violated the FCRA without any remorse. The inaccurate information EQUIFAX continues to report is plain and simple negligence. This negligence has caused myself a significant financial loss and hardship. THIS SHOULD NOT GO UNPUNISHED. I expect EQUIFAX to be punished for their negligence and complete disregard to the laws of the FCRA. I expect EQUIFAX to be forced to pay punitive damages for the financial loss I have suffered as a result of their continued violation of the FCRA.
Product: Checking or savings account

i ended online access to accounts and requested paper mail correspondence after several months i have received nothing including interest on my cd accounts i recently changed my phone number now usaa cant send a code to my old number everyone states they cant access my account they cant connect me to any dept that can and thier automated system does not accept any uploaded id which they require..Basically i am a phone number their system does not recognize my social security number they have my license dd XXXX and my auto policy i have no access to my money cant file taxes or any statements to keep with my important papers if i cant get my money how would my family
Product: Checking or savings account

In XXXX I took out a {$100.00} 30 day CD at 9.5 % interest automatically renewable at current CD rate unless bank notified me otherwise. The bank was XXXX XXXX. They were bought by Fifth Third in XXXX. I felt that would be no issue as my mortgage, boat and car loans and checking and banking were with them. I was well known in the community as having serve at both the XXXX  and XXXX   level. I just let the Cd ride tell retirement. They now tell me on presentation they do n't have any record of it and denied honoring it and I should have gotten a letter. Trust me I 'm meticulous in keeping records. So I asked for the letter. They had nothing given that money doubles every 7-10 years I figure it 's worth near {$500.00}. I 'm sure it would hardly break their bottom line. I had check unclaimed funds in the mid XXXX for our last name as my mother had XXXX. Did n't see anything under mine. Can you help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Ive worked tirelessly disputing incorrect information on my credit report with XXXX XXXX. They are reporting four inaccurate late payments from 2014. Ive never paid late. Ive always paid the full balance off on time every month. We are in the process of refinancing our home and this is causing a significant Challenge. We are needing to have this resolved so we can refinance our home before our son is born. 

This is causing both my wife and I a great deal of stress. My job is to do what is right and also keep her stress levels down while XXXX 

I want to keep my account with XXXX XXXX open. I just want my credit reporting statutes enforced by having the correct information reported on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Has Violated My Rights.

15 U.S.C 1681 Section 602A States I have the right to Privacy, 15 U.S.C 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

See attatched XX/XX/2018 statement confirming previous balance {$1100.00} payments {$77.00} other credits {$700.00}. NEW PURCHASES IS INACCURATE I DID NOT PURCHASE NEW {$680.00}. These are the * USAA Hidden in Secret ( secrets are lies ) UNAUTHORIZED FRAUD INTERNAL New Purchases NOT MINE. {$9.00} XXXX XXXX XXXX XXXX XXXX. USAA FRAUDULENTLY FRAUDS CONSUMERS WITH HIDDEN INTERNAL CREDITS TURNED INTO NEW PURCHASES IN SECRET.
Product: Credit reporting or other personal consumer reports

Problem Description : American Express has improperly reported or utilized my credit card utilization data in a way that negatively impacts my credit score, without proper notice or adherence to federal privacy regulations.

Legal Basis : 1. 16 CFR Part 313 ( Regulation P ) : Under 16 CFR Part 313, American Express is required to protect the privacy of my financial information and must provide notice and an opportunity to opt out of sharing my information with third parties. I believe that American Express has failed to comply with these privacy requirements in the handling and reporting of my credit card utilization data.

2. 16 CFR 443.2 - Improper Use of Consumer Reports : According to 16 CFR 443.2, consumer reports must be used only for purposes allowed by law. If American Express has used or reported my credit utilization data in ways that are not legally permissible or without my consent, this constitutes a violation of this regulation. 

Impact on You : The improper handling and reporting of my credit utilization data by American Express has caused significant harm to my credit score, which has affected my ability to obtain new credit or favorable terms on existing credit.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like XXXX, TransUnion, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, XXXX XXXX, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission. However, I have not provided XXXX XXXX or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by XXXXXXXX XXXX Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect. Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by XXXX, Transunion and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.
Product: Debt collection

Because Midland Credit contacted me regarding a fraudulent account back in XX/XX/2020, I have written a letter to the company explaining that the account was fraudulent. I included a police report and FTC identity theft report with the letter. 
I requested proper validation to be processed and provided documents that were used for the validation. Since then, I did not receive any types of communication from Midland Credit Management. 

It was shocking for me when I received a letter from the court stating the Midland Credit Management is attempting to make a lawsuit against me for the same debt that they contacted me initially. 

I specifically stated that the account from XXXX XXXX  is a fraudulent account that had been involved with identity theft and requested verification and validation to be processed. Midland Credit Management completely ignored my statement and supporting documents and falsely attempting to collect the debt that is fraudulent. 

I will include a letter that was submitted on XX/XX/2020 with the original copies of the police report and FTC identity theft report.
Product: Mortgage

i tried to refinance my mortgage due to separation .i am single and my husband moved away with his girlfriend and not paying a penny toward the mortgage or child support to my XXXX son so i decide to refinance. 
I went to bank and found that he had XXXX other loan with my forge signs and without my knowledge, i want to know how bank did this?
Product: Credit reporting or other personal consumer reports

I recently filed another dispute with Experian in regards to some discrepancies listed on my credit report under the account name XXXX with the account number attached to it as being # XXXX. Experian could not have done a proper reasonable investigation because the discrepancies still are listed under this account. Which violates my rights under the Fair Credit Reporting Act Section 623 and 15 U.S. CODE 1681 ( a ) ( 1 ) ( A ). I also uploaded and attached my Experian credit report details with this CFPB complaint. Showing all of the discrepancies listed under this data furnisher account for you to reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( XXXX ) of the XXXX, these accounts must be removed within XXXX business days of reciept of this report. 
Failure to do so is a violation of my rights.
Product: Debt collection

I started disputing my credit because I found out i had identity theft/fraud. Muktiple companies have harassed me, impersonated them self as a lawyer, tried bribery, and also has given my information to a friend.
Product: Credit card or prepaid card

In XXXX, after XXXX shopping, I couldn't find my credit card. A few days later I noticed charges including a charge from XXXX  of XXXX dollars. I froze the card and called customer service. They told me it wouldn't be an issue since my account is protected. And returned the money. 

Several weeks later they decided that since the purchases were made nearby I must have had my card and charged me without consent and took money directly out of my bank account.
Product: Payday loan

I was issued a check from ez Corp. For a settlement agreement for XXXX but received the check after the date when I would have been able to cash it I have reached out and have been told by there corporate office they will not re issue the check.
Product: Credit reporting or other personal consumer reports

Attention Fraud Department Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor.

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting.

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, XXXX, and TransUnion. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter.

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

They called me and they were looking for a XXXX. I told them that wasn't me and to stop calling. They continued to call me. On XX/XX/year> I told them to take me off the list again after they confirmed I was not the person they were trying to contact.
Product: Credit reporting or other personal consumer reports

I CAN NOT ACCES MY FREE TRANSUNION CREDIT REPORT, I AM RECEIVING AN ERROR MESSAGE FOR EVERYTIME THAT I REQUEST MY CREDIT REPORT. I AM ALSO RECEIVING THIS ERROR MESSAGE WHEN I REQUEST TO MAKE AN DISPUTE. PLEASE HELP FIX THIS MATTER AS SOON AS POSSIBLE. ATTACHED WILL BE A COPY OF WHAT THIS ERROR MESSAGE LOOKS LIKE.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report : Account : XXXX XXXX ( XXXX XXXX ) Account # XXXX Account : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a stellar credit report for 30 years but recently my open debt mounted. Suddenly XXXX XXXX and other credit cards cancelled credit card accounts that were in some cases 30 years old and were not delinquent. My complaint is that I paid off these debts as soon as I could and in complete within a month or two of these cards closure. Now they show as settled accounts. But settled accounts implies I paid less than what I owed or I used an agency to negotiate on my behalf. I actually have always paid my debts in full. I do not want any credit agency to reflect that I do not pay my debt and I want to correct the record. I am an upstanding citizen and my wife and I are XXXX. Please help correct my credit reports.
Product: Debt collection

Credit Collection Services is reporting I owe {$180.00} to a original Creditor XXXX  AN XXXX COMPANY IN XX/XX/2021 that i am not aware of.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXXXXXX
Product: Debt collection

TekCollect send me a letter for collection of medical bill. 
I call back to respond on the collection letter. Debt collector ask me my information to verify and it was verified correctly. 

Then after Debt collector was questioning about some other information with different birth date and trying to share the information. I stop to go further that information. However, debt collector keep going asking more information in reference to other individual. At the end the Debt collector was keep talking about can not dispute and other things and hang-up phone. 

This complain is warning against disclosing information to third party to collect debt. This is serious matter in debt collection practice.