23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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. Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX  # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXhas violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

Short summary of what previously happened was that I setup scheduled payment arrangements for XX/XX/2023 to make my account current. Payments where processed on that date without any problems. Agents from cnac began to call me a couple days after the payments where made harassing me about a XXXX XXXX  balance on my account. I asked where did the XXXX XXXX balance come from. They informed me that they processed a payment for XXXX cents instead of the XXXX payment. I asked why was it processed this way. The agent I spoke with wasn't able to inform me of what happen or why it happened. I asked to speak with manager for explanation and the agent informed me that I was unable to because the senior account manager was busy. I then asked for a copy of all my payments I had made from the start of my loan until now. The agent stated that the computer system was down and he would email me a copy later. He then kept making efforts for me to pay the XXXX XXXX. I informed him that I would not do that being that I wasn't the cause for the balance. When my payment was processed there was not insufficient funds and payment went through. Also that I would being paying a processing fee and a late fee for something that I should not have to pay for. He then asked to put out on my next payment which would make the balance more being that it would accrue to being even later. I told him not to process anything on my account until I could speak with the senior account manager. He then said that I had the option to dispute the matter of paying the once cent. I told him I would like to do that. I asked for documentation of the dispute and he informed me that it takes XXXX hrs to process etc so call back then. Before the XXXX passed I received another phone call from a different agent in regards to my balance being XXXX XXXX and would I like to process it. I informed the agent that the matter was already taken care. He replied that it wasn't and what he could do for me is put the XXXX XXXX  balance on my next payment and waive the late fee etc. I then asked to speak with the account manager again because I had yet to receive any paperwork as far as my payment history or the dispute. The agent informed that I could not speak with the manager and that they would send me my payment history but the dispute was never put in. I have the dates and times of the phone calls which their calls are recorded on their end of all the conversations etc. My payment history shows that I have paid them more than what's on the contract and way more than what the car is even worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am following up again with you about the bankruptcy that that reporting on my credit report with Experian. I've attempted many times to have this account investigate but somehow your Experian has refuse verified this bankruptcy as being accurate. 
I don't understand why they can't provide proof, because Im been trying to figure out how in the world did they verify this account? The US Bankruptcy Court informed me that they do not have my full social or any other important information pertaining to this PERSONAL and PRIVATE information. I also did not give them permission for them to share this information. My question to you is if the U S Bankruptcy Court does not have all my certified identity information, a 3rd party most likely does not and is not supposed to have it and is not required to verify the bankruptcy as being accurately reported. I demand that you remove this bankruptcy because it is NOT accurate and even a person with basic knowledge of my Consumer Rights have been violated. An impaired individual could see that the account is not accurate and is violating the accuracy of properly being verified. 

This is creating a lot of problems for me credit wise and financially. It is not fair to me to suffer and stress because of your inability to do things properly and illegally. All I want is for you to do is your job correctly and to properly investigate this account correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it
Product: Debt collection

PROCOLLECT, INCXXXX has refused to accept any payment arrangements in verbal or written form and has been unreasonable for the past seven years in resolving debt issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX BANK XXXX Balance {$4400.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$1900.00} ; XXXX XXXX  XXXX Balance {$300.00} ; XXXX BANK XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I have noticed XXXX Is reporting an unrecognized charge on my credit report from Aargon Agency inc
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off an investigation request letter to Equifax certified mail on XXXX. They received the mail on XXXX. I asked them to do an investigation on the list of accounts that are on credit reporting. It's been 30 days, and I haven't received a response from them ; here is the Tracking # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to the credit bureaus for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX  XXXX ... Step up CFPB and remove it from my credit report
Product: Debt collection

This is not my debt at all. I have never received to this day any paperwork, mail or phone calls about this debt owed to Collection bureau of XXXX, original creditor XXXX XXXX and XXXX. The account reports that it was opened XX/XX/2022. The amount owed is {$4000.00}. That's nearly impossible to use that much electricity in a little over a month for a suburban home. I have had the same phone number since XXXX of this year and never received any messages or phone calls about this debt. I have disputed the debt? When?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated me under 15 USC 6802, subsections and b, by sharing my non public information. Equifax has also violated 18 USC 242 under color of law for willfully and knowingly supplying inaccurate, unlawful, and private information which is depriving me of my right to extend credit as a consumer. Attach with this complaint is a copy of the affidavit I certified mailed Equifax detailing ALL their violations and they have not resolved the issue
Product: Credit reporting or other personal consumer reports

XXXXXXXXinquiries on all credit bureaus. XXXX inquires reporting without my knowledge or permission fir anyone to use ny information to apply for anything or given any companies permission to run my creditors products or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

( this is not a third party ) Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I demanded to see verifiable proof ( an original consumer contract with my signature on it ) that they have on file for the account listed below. They failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of verifiable proof, they must remove the account listed below. The list of collection that are reporting has not been opened by me and I have no knowledge of them. By law I have the right to PRIVACY and you the credit reporting agencies have violated itthe list of accused collections account and dates are as follows : XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX  OPENED XX/XX/XXXX, XXXX XXXX  XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX XXXX XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting The Congress makes the following findings with banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies added reasonable procedures for meeting the needs of commerce for consumer credit personnel, insurance, and other information in a manner which is fair and equitable to the consume, with regard tot eh confidentiality, accuracy, relevancy and proper utilization of such information in accordance the requirements.
Product: Mortgage

Our house sold for {$330000.00}. The appraisal came back at {$300000.00} on XX/XX/XXXX. The comps were not even close to identical with our house. The lender, both Realtors, buyers, and another lender all said this was a poor appraisal. We put together an incredible list of comps, add-ons, and even a recent appraisal of the house next door ( smaller and older, appraised for {$340000.00} ). We requested that the appraisal be raised, and were told the appraiser was on vacation, so we had to wait a week and a half. Close date had to be moved from XX/XX/XXXX to XX/XX/XXXX. When the appraiser came back, he refused to budge on the appraisal. We requested it be thrown out and have a new appraisal, which was denied as well. We now have had to push back the close date on our new home 9 hours away, and living out of a moving truck with a XXXX month old baby and XXXX  wife.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In a prior complaint, I attested to the fact that Nation Credit Audit Corporation has falsified information, and stated the following : Company 's Response " ... Please note that back in XXXX of 2018, the leasing office filed & was awarded a Warrant of Restitution from the district court for nonpayment. They were also, given authorization to start the Eviction process to retrieve the possession of our premises. XXXX  discharged our claim as the PR brought his rental charges current and gave a notice of vacating. Therefore is was no need to proceed with an eviction ... '' There is no warrant of restitution. I challenge National Credit Audit Corporation to show me where a warrant of restitution was granted in the State of New Jersey. There is no such warrant recognized by the New Jersey court systems.

I challenge them to show me proof, in the form of documentation, account statements, this supposed Warrant of Restitution, and any other place where my name shows up with my signature.
Product: Debt collection

Falsely claimed that they are attorneys. 
Falsely claimed that we have committed a crime by Violated Federal Freight Laws. 
Used obscene or profane language, or repeatedly use the phone to annoy someone. 
Threatened and have called customers and vendors slandered.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have contacted Transunion that these accounts are not mine MULTIPLE TIMES. I am a victim of fraudulent accounts not being removed from my credit report. I have attached my identity theft report here as well as the civil action lawsuit against the company. I have also submitted a complaint with my STATE ATTORNEY GENERAL since this account has not been removed from my report after multiple attempts. 

XXXX XXXX XXXX  has had a similar issue reported to the Supreme court in a lawsuit lawsuit against nine defendant banking and debt-collection institutions on XX/XX/year>, alleging that each defendant reported inaccurate and derogatory information related to her credit card account and failed to correct their errors after receiving notice of plaintiff 's disputes from the credit reporting agencies, all in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 et seq. See generally XXXX XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX. 

These are accounts are not mine need to be removed IMMEDIATELY. The credit bureaus and credit card company is in violation of 15 US Code S 1681-c2. It has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please remove these accounts immediately from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried rectifying the issue with Avant, but to avail. I asked Avent to put a payment at the end of the loan and was promised it would be done. It did not. There were no notes and they said they had an audio that never herd me ask to place the payment at the end. I do not trust them because the same issue almost happened to me again. I made arrangements XX/XX/XXXX and the XXXX to have payments taken out of my account. I was told no arrangement were listed they also tried to say nopayment was taken out of my account XX/XX/XXXX when in fact a payment was taken out but the XXXX payment was listed. I do not trust this company and they need to be on buyers beware list
Product: Prepaid card

i have a transaction on my rushcard of {$140.00} on XXXX XXXX, 2015 that I did not authorize! I was already locked out of my account and could not receive my direct deposit and pay my rt i need my rent, car note or put gas in my car to get to work. I have tried calling to dispute this transaction and ask how could they let this happen? Ive never had this problem before. But I need my money to buy food for my XXXX year old and formula for my XXXX month old and I have to pay my cable bill as well. I do not feel that my funds are safe with rush card. I really need someone to contact me ASAP because my balance is now {$1.00} and I want to know where this transaction came from I am livid! All rushcard services keep doing is hanging up on me and I feel extremely disrespected!
Product: Credit reporting, credit repair services, or other personal consumer reports

Innacurate employer on credit report. I do not work for XXXX XXXX. I work for crown which I have sent my stubs to transunion multiple times only to have it reappear.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report and have no idea how they got there. I checked my report as I normally do, but this time there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the wrong accounts remained. Im asking that you thoroughly review the documents Ive sent so I can put this worry behind me once and for all.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Date of Last Activity is XX/XX/year> but the reporting has no data to support. 
Account name : XXXX XXXX  XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX for Unauthorized Disclosure of Nonpublic Personal Information Request for Charge-Off/Collection Removal To Whom It May Concern, I am submitting this formal complaint against Elan Financial for violations of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, concerning the unauthorized disclosure and handling of my nonpublic personal financial information ( NPPI ). This violation has resulted in an inaccurate and unfair charge-off/collection account being reported on my credit file. 
Summary of the Issue : On XX/XX/year> I noticed that XXXX XXXX had placed a charge-off/collection account on my credit report with [ XXXX, XXXX, XXXX ] XXXX Upon further investigation, I found that they failed to comply with the privacy and opt-out provisions required under 15 U.S.C. 6802, which govern the sharing of consumer financial data with third parties.

Under 15 U.S.C. 6801, financial institutions must ensure the security and confidentiality of consumers nonpublic personal information ( NPPI ). Furthermore, 15 U.S.C. 6802 states that a financial institution : Must provide a clear and conspicuous privacy notice before sharing personal financial data.

Must allow consumers to opt out before disclosing their NPPI to nonaffiliated third parties. 
Can not share NPPI without proper notice and consent, except under legally permitted circumstances. 
Despite these legal protections, XXXX XXXX failed to : Provide me with a legally required privacy notice before sharing my financial information. 
Obtain my explicit consent before disclosing my financial data to a third-party debt collector. 
Give me a reasonable opportunity to opt out before furnishing my financial information to unauthorized parties. 
Because of these violations, the charge-off/collection account was improperly created and reported, negatively impacting my creditworthiness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX was never late in XXXX and XXXX of XXXX. Please make sure the credit report reflects no late payments on XXXX and XX/XX/year>. Please update their credit report and have it reflected that XXXX XXXX Account number XXXX is in good standing and was never late. This needs to be reflected in their credit report. We hope this resolves the error.
Product: Credit reporting or other personal consumer reports

I was a part of a data breach! Remove any/all inquiries from ALL credit reporting agencies including XXXX, XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Natural person I am a living human being I have rights under 15 usc1981 Equifax is govern by 25 USC And they violated my rights numerous of times adamant the account listed below to be removed because according to 15 USC 681 I have the rights to privacy and I did not give Equifax written permission to furnish these accounts
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX gave my personal medical information to I C SYSTEM COLLECTIONS for a bill. I C System gave XXXX ( and maybe others ) the medical facility name " XXXX XXXX XXXX '' and it publicly posted. It supposed to say something like " Medical/Physician '' that's it. Now other people/creditors/inquirers/family are seeing that I had a XXXX XXXX which made me see a XXXX. Furthermore, when spoke to IC system a few years ago the rep was told me exactly what the bill was for. The rep said the bill is for a visit due to a XXXX XXXX. I am just finding out that that was a HIPPA violation. No one is suppose to know my diagnoses/medical condition outside of myself and the Dr. office ( without my permission ). My medical information should not be exposed for all to see. I did not want my now husband to know I had XXXX issues and others. Now he knows and blames my health for past XXXX problems. I am furious. Which is another reason why I am filing.