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

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 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. '' XXXX XXXX XXXX XXXX. is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, Experian, and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 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. '' XXXX XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 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 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 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also Per 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, credit repair services, or other personal consumer reports

I AM EXTREMELY FRUSTRATED WITH THE FACT THAT XXXX XXXX XXXX IS ALLOWED TO CONTINUE TO VIOLATE MY FCRA section 623.They are reporting my credit history inaccurately on purpose is a clear violation of RIGHTS.US Court of Appeals Ninth Circuit , No 00- 15946, XXXX vs. XXXX XXXXBy allowing them to keep using {$1.00} increments to keep re aging this unverified accounts its totally wrong and has been going on for months. I HAVE SENT DOCUMENTS DIRECTLY TO THEM I HAVE FILED XXXX COMPLAINT, MULITPLE CFPB COMPLAINTS, AG COMPLAINT. THEY HAVE RE-AGED THESE UNVERIFIED ACCOUNTS MULITPLE TIMES OVER A 6 MONTH-12 MONTH PERIOD. AND I HAVE PROVEN THIS OVER AND OVER WITH ALL 3 BUREAUS. XXXX  HAS DELETED 2 OF THE ACCOUNT. AND LEFT 1 WHICHI IS THE SAME ACCOUNT NUMBER. XXXX AND XXXX KEEPS ALLOWING THE VIOLATIONS TO OCCUR EVEN AFTER I HAVE PROVIDED PROOF OF THESE VIOLATION. I HAVE PROOF THAT BOTH XXXX   AND XXXX BOTH SAY THEY HAVE VERIFIED THAT THE INFORMATION IS ACCURATE. ITS A VIOLATION AND THIS ILLEGAL. They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency. Consumer Protection afforded by the FCRA {$1000.00} FCRA Section 605 ( c ). Clearly you are not paying attention to the actual paperwork. LOOK AT THE DATES OPENED? LOOK AT THE ACCOUNT NUMBERS? LOOK AT THE UPDATED INFORMATION? REFINANCED? HOW IS IT REFINANCED AND ACCOUNT CLOSED AT THE SAME TIME? HOW DOES A LOAN GO FROM XXXX TO XXXX? HOW DOES A LOAN GO FROM BEING PAID AND CLOSED TO NOW OWEING XXXX? IF YOU WOULD LOOK A THE DOCUMENTS AND NOT USE YOUR OSCAR SYSTEM YOU COULD CLEARLY SEE ITS INACCURRATE AND THEY HAVE BEEN ALLOWED TO REPORT THIS CAUSING ME MAJOR ISSUES!!!!! IM SHOCKED. 
It is the duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer, As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I AM A REAL PERSON NOT A CREDIT REPAIR COMPANY! THIS HAS DIRECTLY AFFECTED MY LIFE IN MORE WAYS THEN 1. I HAVE ASKED FOR HELP IN MAKING THIS RIGHT.
Product: Payday loan, title loan, or personal loan

Speedy Cash  Overdue for pass loan in the amount of XXXX. Was told of the phone calls and letters sent to home address but has since moved and phone number has been disconnected. Fell on hard times and could not repay loan. Only asking for more time to pay loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy Dispute : It was requested that the Credit Bureaus provide information of how they verified the bankruptcy they stated was verified by the furnisher being the court house. I requested : 1 ) The Name Of the Court House 2 ) the name of theindividual/person they verified the dispute with 3 ) The address 4 ) The Phone Number 5 ) The documentation used to verify the dispute letters attached Equifax and XXXX  are fraudulently reporting this bankruptcy and the accounts attached to it. The North Carolina Bankruptcy court mailed certified, signed and stamped letters to me. These letters confirm that they have no relationship with any of the three credit bureaus and they do not verify with them directly. Equifax and XXXX  have not verified this information with the furnisher as they stated and they have not provided the information I requested as to how they verified this information. ( Letters attached below ) XXXX   Has removed the bankruptcy as well as the accounts attached to it. ( see XXXX   removal document ) I DEMAND EXQUIFAX AND XXXX  TO REMOVE THE BANKRUPTCY AS WELL AS XXXX  SCORE REWARDS ACCOUNT, XXXX XXXX AND XXXX  XXXX ACCOUNT # XXXX FROM MY CREDIT REPORT IMMEDIATELY.
Product: Vehicle loan or lease

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # 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 or other personal consumer reports

Ive had several times removed from my credit and those negative items was the reason why my score was so bad and now after having those items removed Experian XXXX XXXX and XXXX has refused to adjust my score causing significant damage to my credit history and hindering future purchases and offers made to me as a consumer. I have even been threatened by employees from all XXXX  companies that constantly calling them will not change anything XXXX refuses to remove the items bankruptcies and the others have and they all refuse to verify their methods or verification as I requested several times before
Product: Credit reporting

I have disputed this account with certified USPS letters over 4 times. Nothing has been done on the investigation and the account continues to be reported wrongly. This account is unverified as it was paid off on time with no payments ever late. Promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiry 's on my report 3 times with XXXX and Equifax. I was told they do not delete inquiry 's even if it is due to fraud. I was told to contact the company 's them self 's who ran the credit. I tried to contact the companies with no responses. I told the credit agency 's they are not responding so XXXX and Equifax say the inquiry 's will just stay then. This is not fair to me and my rights are being violated. These are the listed inquiry 's in question.. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that I was a victim of identity theft due to my phone being stolen, the thief hacked into all of my bank accounts, made payments and pretended to be me. All of my bank accounts and savings were wiped resulting in negative information on my credit reports, I was also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been disputing this for almost two years now, I have not been able to work full-time due to XXXX XXXX XXXX XXXXXXXX and XXXX XXXX due to this burden and I have struggled to get housing due to this issue on my credit reports and housing being full. I want this issue resolved ASAP and to have a normal life again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ASKED EQUIFAX TO VERIFY AND SEND ME VALIDATION OF THEIR DOCUMENTS WITH REGARDS TO THE BK LISTED ON MY BUREAU. THEY ADVISED THEY " VERFIED '' WITH XXXX XXXX. I SPOKE TO XXXX XXXX WHO ADVISED MY CONSUMER REPORT IS FROZEN AND THIS INFORMATION WAS NOT VALIDATED. I WOULD LIKE WHAT WAS SENT TO EQUIFAX TO VALIDATE THE BK. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX XXXX, World Finance Co, and XXXX XXXX/XXXX/XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against XXXXXXXX XXXX XXXX XXXX. for committing identity theft. I have never given sunrise credit service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXXXXXX XXXX XXXX  and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving XXXXXXXX XXXX XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXXXXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Contacted the collection company via certified mail XX/XX/year> with a detailed debit validation letter. I requested. All signature pages and consent from myself regarding this debt. This debt validation letter asked for proof of ownership over the debt and how this debt amount was concluded they sent me a copy of a bill from another company without providing me the validation that I owe this debt to them.
Product: Credit reporting or other personal consumer reports

Hello, I am contacting Wells Fargo in regards to complaint number XXXX. In your response you stated Wells Fargo did in fact report inaccurate information. Not to mention, I paid the account on something you stated was inaccurate, which is questionable. I am now demanding that you remove the account and all references to my personal information from your records regarding this account. The account has caused me to not be considered for employment and other credit lines. I asked that it is permanently removed from my credit files because due to inaccuracies it was in violation to FCRA the whole time!.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX GA XXXX Account # 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 card

The company incorrectly reported that they didn't receive payment. And there is Noone to speak to resolve this issue. I sent emails which a response comes every XXXX  days with no resolutions or follow ups. The payments they received but did not process are XX/XX/2011, XX/XX/XXXX &.
Product: Vehicle loan or lease

In XX/XX/2018 we were referred to XXXX XXXX by XXXX XXXX XXXX XXXX. The XXXX authorized person at the dealership worked out a lease deal for us that would give us payments of about {$390.00} per month. The lease was no money down, no first month 's payment, and no security deposit which is a standard XXXX deal. The lease term was 48 months with a residual value of {$18000.00} and a 10,000 mile per year. Well before we drove the two hours to get to the dealership I submitted the online application and BOTH XXXX XXXX and Volkswagen Credit ran my credit report as a hard inquiry. We had provided a deposit to hold the car when they confirmed the lease and payment and they said that would either be applied to the lease to further reduce our {$390.00} payment or we could have it refunded. We arrived at the dealership to pick up the car which we had been assured several times was ready and all we would have to do was " sign and drive. '' That turned out to be a lie. The dealership said they could not verify my income ( I am a XXXX employee and I had already provided my past three Earnings and Leave Statements ) Then I was told that I was not allowed to use my rental income then they told me it was not necessary. Then they ran hard credit inquiries three more times which by the end trashed my credit score and then came to me and told me because they could not " verify my income '' and because I had so many hard inquiries the only way they could make the " deal '' was to add an extra {$120.00} the the payment ( going from {$400.00} per month to {$520.00} ) and they would now require that I pay {$1200.00} up front and have a higher payment than what was promised. They also claimed that they could not verify that I had any previous car loans -- although I had a lease with XXXX   that was paid off early and still shows up in my Volkswagen online account. The other was an actual car loan through XXXX that was paid off in advance also. The series of lies were designed to increase the cost of the vehicle significantly -- {$6200.00} over the term of the lease. We were told our deposit would not be refunded if we did not complete the deal because they had taken the car out of stock and held it for us.
Product: Checking or savings account

Withdrew {$420.00} ( 2 {$100.00} bills, 11 {$20.00} bills ) XX/XX/2021 from the US Bank ATM outside the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX location. After withdrawal, I noticed I was short {$160.00}, as {$20.00} bills were dispensed in place of the the {$100.00} bills. I walked inside the branch and alerted the teller that I was shorted by their machine, using their banks ATM debit card. Filed a complaint the following day via their toll-free number, learning I was given misinformation from the branch the day before, that I needed to file the complaint, not the bank. 

After fighting with the bank via XXXX, I spoke with a bank support person on XX/XX/2021, who was able to expedite a provisional credit. Then a second reversal was processed on XX/XX/2021. Both were taken back by the bank on XX/XX/2021, without any notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how the company got hold of my account and started decreasing my credit score I learnt a lot of people for victims to them.
Product: Payday loan, title loan, or personal loan

My XXXX XXXXXXXX XXXX she did fraud. I recently had to pull my credit reports up and discovered that my XXXX is apparently using my name and SSN to apply for credit. The credit reports showed many fraudulent transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted an identity theft block request under FCRA 605B regarding XXXX XXXX XXXX XXXX 'S unauthorized credit reporting. The credit bureau violated 605B by failing to block this information within the required 4 business days. I have filed an identity theft report with the FTC documenting this unauthorized use of my identity. 

XXXX XXXX XXXX XXXX created obligations and credit reporting without my permission or authorization. I never had any business relationship with them. Their continued reporting violates my rights under FCRA 605B. I request immediate investigation and removal of this unauthorized reporting.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report on XX/XX/XXXX and noticed that several hard inquiries do not indicate a permissible purpose next to these items. According to the Fair Credit Reporting Act, any information provided on my consumer report must have a permissible purpose as outlined in 15 USC 1681b. PLEASE DELETE THESE! See below and credit report attachment. 

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

ALL BUREAUS ARE REPROTING WRONG CURRENT ADDREESEES ESPECIALLY XXXX. SEE ATTACHED
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breached, attached is the proof, and they refused to delete these accounts, so please delete this from my credit report immediately. As I was a victim of this data breach. 

These are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX