23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked on my credit report on XX/XX/year>, and I noticed some things were not complete and inaccurate. According to the fair credit reporting act whenever A consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual the report relates. These accounts XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX. These accounts are not complete and accurate I sent a letter stating that it was complete and accurate on XX/XX/year>. They sent me an investigation on XX/XX/year> and stated that everything that it was complete and acccurate but if you check it is not correct. 

ccording to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. '' Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), " A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. '' under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation finds that the information is inaccurate, incomplete, or can not be verified, the agency must promptly delete or modify that information.
Product: Student loan

i need help with repayment plans and ca n't get help from customer service
Product: Credit reporting or other personal consumer reports

I have asked Experian credit to take off collections and hard inquiries on my report and provide me with original information and documents and original signatures proving that it is mine. I believe in my opinion that Experian is not doing any investigation nor giving me any documentation that I am asking for.. the dispute comes back with the same answer
Product: Debt collection

Dear CFPB, I am requiring your assistance in resolving a fraudulent attempt to collect a debt not owed. This letter is in no part, an admission of debt owed and may not be used against me at any point. I had an account with XXXX XXXX water services and cancelled service in or around XX/XX/2017. I was preparing for a move across the country in XX/XX/XXXX. I had already had plenty of water and told them to cancel billing upon making my last payment. I had them collect my water jugs before making my trek across the country in XX/XX/XXXX. I never received a letter outlining the reasoning for this collection of the debt nor a statement of it's validity. However, if I did receive such, my account records would reflect no debt ever existed. Since noticing this negative remark on my credit report, I've tried to resolve this matter with the collections company. I've received harassment and endless calls from various numbers. The nefarious manner in which these criminals have attempted to collect a debt not owed has been extremely suspect. 

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

My credit score dropped tremendously due to inaccurate information. Again, Experian along with the other credit reports states they have no record of a Mortgage Company on file. We did a refi on the house in which  our new Loan is serviced by XXXX XXXX. As well we have eliminated some other debt as well. My credit score dropped almost 100 points due to inaccurate information. This needs to be corrected ASAP. These companies need to post the accurate information, not something that is totally false.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm a truck driver, I was told if I paid XXXX $ on XX/XX/year> I would have a contract to for a route. After I paid using cash app, I never received the contact, within XXXX minutes I tried reaching out to cash app file for fraud, nobody responded then I got message saying no fraud was committed.. when is was...
Product: Debt collection

I have received many calls from an unknown number telling me to call XXXX which goes to the office of XXXX XXXX. I called and left a voicemail twice now to get additional information and my call is never returned. The messages the keep leaving specifically say a notice of intent IS scheduled to be delivered to your employer today between the hours of - and they repeatedly state I am scheduled to be served documents at my home this evening And my failure to comply could result in a missed court appearance. I finally was able to talk to someone st this number today, XXXX XXXX, who stated ( on a recorded line which can be retrieved to substantiate this complaint ) that I had Missed a hearing and other false misrepresentations which violate the FDCPA. When questioned about this he stated XXXX XXXX was involved in this and then after significant probing on how I missed a hearing without being served an actual complaint or summons states nothing has actually been filed and then refuses to explain to me How I could help lift how I could have missed a hearing that involves XXXX XXXX if nothing was actually filed ... .lastly, he goes on to state he will email me the documents in question I am requesting to review, confirms my email and then refuses to provide the documents ... These are outrageous and illegal communication and debt collection tactics and along with providing false and misleading information or threatening to involve an employer or imply legal action was taken that wasnt is in violation of FDCPA regulations.
Product: Credit reporting or other personal consumer reports

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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the XXXXnancial institution and the Consumer reporting agencies XXXX 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 XXXX, XXXX, ( Furnisher of information to credit agencies ) 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 nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 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 1681tb of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I the consumer have asked XXXX XXXX XXXX to validate the alleged debt he claims that I owe, and all he has provided me with are statements to an Alleged account that he can not prove is mine. I never gave XXXX XXXX XXXX consent to use my private personal information for anything. I do NOT have a contract with XXXX XXXX XXXX or his company. 
This is the 3rd attempt and I still have not received the relevant paperwork that the law requires this debt collector to provide the me the consumer. XXXX XXXX XXXX and his company have violated my Consumer Rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
You XXXX XXXX XXXX ( XXXX XXXX XXXX ) failed to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. 

You are an attorney/debt collector is this correct? If so, I imagine you know the difference between a Validation and Verification of Debt Pursuant 12 CFR 1006.34c. 

This is all hearsay, what firsthand knowledge do you have? This is all false and misleading information. 

Furthermore, I request verification of the alleged debt, specifically, a copy of a CONTRACT or AGREEMENT. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 

An attorney can not be a debt collector and a debt collector can not be an attorney. You are claiming to be both an attorney and a debt collector.
Product: Credit reporting or other personal consumer reports

TransUnion is headquartered in XXXX, IL. TransUnion Inc. is a for profit traded company under symbol TRU in the business services industry. 
TransUnion is regulated by the FCRA and in occurrence with the FCRA. TransUnion must comply with The Privacy Act of 1974, and 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. 
I have not verbally or given any written agreement to TransUnion that allows them to report or provide any information on any report pertaining to XXXX XXXX. 
They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though TransUnion has not received any written instructions from a federally protected consumer. TransUnion has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
I have the right to make sure my private information isnt shared, which is backed by 15 U.S.C 6801. 
These are the accounts I want removed from this credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion also has non mail able addresses on this report, which I want removed. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TransUnion also has incorrect phone numbers on this report that are not associated with XXXX XXXX. I want this phone numbers removed! 
( XXXX ) XXXX ( XXXX ) XXXX TransUnion also has XXXX  incorrect names on this report that are not associated with XXXX XXXX. 
I want these names removed! 
XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have purchases a ticket through Cheap Flights and had it financed by XXXX XXXX XXXX previously known as Upgrade. I cancelled the flight because my daughter visas application was denied. As a result, she could not make the trip from XXXX XXXX XXXX to XXXX, XXXX, The Ticket was purchased with a full refund option which Cheap Flight, has acknowledged in their email. I have asked XXXX XXXX to cancelled the account but they would not. Citing that it has to be initiated by Cheap Flights. These two companies are not trying to resolve the issue. Instead they have decided to bounce back an forth. All I am asking is that Cheap Flights return the fund back XXXX XXXX so I can close this account. I have attached the proof that the Visas was denied and my daughter will not travel after all and they must refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. There are several names and addresses listed that do not belong to me. I have previously disputed these accounts and the consumer agencies claimed to have verified the information as belonging to me based on a creditor reporting the information. This has nothing to do with me and I am not required to follow up with any creditor its the consumer agencies job and I have proof that the address are not mine. I provided verification of my address and my identification to prove what I am stating.
Product: Debt collection

Credit Control Corporation, XXXX, {$2600.00} i reported them
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/year>, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers ke me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed byXXXX XXXX XXXX. 
Please feel free to contact me if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Mortgage

Wells Fargo Financial began foreclosure proceedings against my home XX/XX/XXXX. By working with a local housing counselor, XX/XX/XXXX Wells Fargo agreed to let us conduct a " short sale '' on the property. We contracted with a real estate agent and they began showing the property in XX/XX/XXXX. By XX/XX/XXXX we had a buyer and had signed a contract for the sale, to be done in XX/XX/XXXX if approved by Wells Fargo. I got a letter near the end of XX/XX/XXXX telling me my new " single point of contact '' was XXXX XXXX. I called XXXX to see how Wells Fargo was progressing on their decision about the sale. She did n't have that information, but said she would get back to me. On XX/XX/XXXX, XXXX called to tell me that Wells Fargo was going to put our account under " the consent order review to see if they could get us enough money to repay our arrears and save our home. '' I told XXXX we had already been denied monies under the " consent order '' but go ahead and see. I called XXXX back 2 days later and told her we had cancelled the contract for sale since Wells Fargo was trying to save our home. She told me she did n't know what I was talking about because she had never said that. In late XXXX I was notified that Wells Fargo had sold the loan to the XXXX Master Participation Trust, to be serviced by XXXX XXXX XXXX. Wells Fargo then proceeded to foreclosure, the sale was held XX/XX/XXXX and they bid {$210000.00} on the home. That bid more than covered our debt, so no shortage was charged back to us. Finally in XX/XX/XXXX, Wells Fargo admitted they had promised to save our home, after lying to me for 6 months. I have their admission recorded. They say they owe us nothing, even though I have requested at least {$10000.00} in relocation ( as promised during the short sale ) or I want my house back, like they said they 'd do in the first place. They say they will have an answer for me by XX/XX/XXXX, but I 've heard that song and dance for over a month now. My husband and I are still living in the house. However, the XXXX Trust had also hired the law firm of XXXX and XXXX to foreclose on the same property in the amount of {$250000.00}. I do n't know where they got that figure. XXXX and XXXX was the foreclosing attorney for Wells Fargo as well. But today the law firm said the file had been closed. I was surprised it was opened in the first place. Did n't they know they had already foreclosed on my house? All of this is on top of questions I have about how much we actually owed them. I had requested a print out of all account activity and it was full of charges as low as {$15.00} to as high as {$500.00} for " inspection fees, '' " administration fees, '', etc. that they insisted were being charged sometimes every week.