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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # 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 XXXXXXXX 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 without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any of the following items of information.Any other averse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received a late payment on my report even thought the system wouldn't let me make the payment that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

First there is no record of my original complaint, so this is the second one to report. I have disputed my old accounts with all three credit bureaus recently. XXXX and XXXX have cleared my accounts as they were 7 years old in Texas. I can not get Equifax to do the same. I sent them the same information and documentation for the accounts that are aging. They will not delete the accounts as they say they were verified and updated. I have an old credit report stating the accounts are to be removed XX/XX/2023 and XX/XX/2023 but they come up with a date of XXXX or XX/XX/2023. I have just sent letters to XXXX XXXX XXXX and XXXX XXXX XXXX to validate the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  CA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX Date Opened XXXX. XXXX, XXXX  XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I have no liability to XXXX XXXX XXXX  for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX brought the debt from XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXX XXXX to provide me the direct contract between them and XXXX showing that they are authorized to collect for XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX Transunion, and XXXX reporting this to my credit report.
Product: Credit card

On XX/XX/year> I received notice from XXXX that my data had been taken by a unauthorized 3rd party. This letter is dated XX/XX/year>. They informed me that " some of your personal information may have been " effected '' by the incident. 
On Saturday XX/XX/year> at bout XXXX I received a phone call on my home phone that I did not answer. The caller ID noted Citi. Shortly after one of my cell phones received a call that I answered. The caller started by clearly asking me if I was ; and he had my full name ( first, middle initial, last name ). After I said yes he asked me was my last four numbers on my Social Security number, AND HE WAS RIGHT. He asked me did I still live in CA and in the correct city. This guy had me. He claimed he worked for Citi Bank and that someone was attempting to open an account in my name with my social security number. Note, the phone ID did indicate Citi Bank. BUT, it also notes it was a cell phone. I have the number for any follow up investigation you are going to do ( likely a burner but it is a start ). This becomes slick. The caller claims he will block the attempted effort to open the credit card account and that he will transfer me to the credit protection unit after he gives me a case number ( The number he gave me was Case ID # XXXX ). He puts me on hold for about 29 seconds ( there was background music ) and then a new guy comes on and confirms everything the first guy did ( included my last four SS numbers ). I could tell he was getting ready to ask me more personal information ( like my whole SS number ). Both of these callers were men with heavy XXXX accents. The first guy stated that the credit application was in XXXX XXXX Nevada. The second guy would state it was XXXX XXXX NEW YORK. That was when I knew they had a pretty good operation going. I terminated the call and called Citi Bank help number and reported the about. I was told they would never ask me the social security number but the last four numbers on my card. The real Citi Card employee noted that this was one of the best attempts to get my personal data she had heard. HEADS UXXXX. I then tried to report this ( and make a complaint ) to XXXX. What a joke. The number and email address they give in the XX/XX/year> letter doesn't work! You have to log into a 3rd party vendor ( XXXX ) to make a report and After attempting to log I got kicked out and told to call a number on MONDAY. I get a feeling this is a scam too. I will follow up on Monday and I really wany cfpb to follow up on this and I want everybody to be aware of this scam. If it was not for the XXXX XXXX New York and the heavy accents I would have stayed on the phone longer and maybe have given them more than they ALREADY KNEW.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested Experian to conduct an investigation to an item on my credit score that I did not recognize as mine. According to the Fair Credit reporting Act, the credit bureau has 30 days to look into the dispute, based on the information provided. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report. Today is the XX/XX/XXXX and Experian failed not only to do the proper investigation but also did not remove the inaccurate or fraudulent information. 

The account Name : XX/XX/XXXX - Account number : XXXX The above listed item is completely unauthorized by me and most likely fraudulent. Therefore, it is a very serious error in reporting. Please delete the above misleading, inaccurate and fraudulent information and supply a corrected profile to all creditors and reflect the new and accurate information on my credit file as soon as possible. Once again, the credit reporting bureau failed to provide any prove that the account belongs to me or was authorized to me or any financial instrument signed by me. I have never received any letter confirming the receipt of my complaint nor any letter stating that the agency started an investigation required by law and that had to be finished within 30 days of the receipt of my several letters. Again, I heard nothing back and it has already been over 6 weeks.
Product: Debt collection

I have sent over court documents showing that I owe a XXXX balance, several times and the debt collector is refusing to remove this inaccurate information from my report! This matter needs to be addressed, and rectified, as it is causing damage to my credit, and reputation.
Product: Credit reporting or other personal consumer reports

Incorrect address and employment are reported on my credit report.
Product: Debt collection

I have disputed this debt with IQ Data Several times, and I've received no response at all, their first violation of the FCRA. They have continued to report the disputed debt, their second violation of the FCRA. I have even filed a XXXX  complaint against them to seer f I could get them to respond, they did not. They have refused to validate a debt at a consumers request, a violation of the FDCPA. They have illegally assessed interest, penalties and fees to the account, clearly evident on my credit. They are breaking the law and it is destroying my reputation!
Product: Mortgage

My house is approved to close on a short Sale with Wells Fargo with a deadline to close by XX/XX/2016. 
Unfortunately the buyers title insurance company is requiring the signer of a previously filed assignment of mortgage between Mers and Wells Fargo be authorized in accordance with Oklahoma state law ( see Oklahoma Assignment and Satisfaction of Mortgage Law ). 
This assignment was signed by a secretary using an ink stamp and wells Fargo is refusing to show proof that this signer was authorized. Wells Fargo has stated the we will have to subpoena them to get a corporate resolution stating that the signer was authorized. 
I am attaching the approval letter, a copy of the assignment of mortgage in question, a copy of the title insurance policy requirement ( see line XXXX ), and a similar corporate resolution from Wells Fargo that would solve this problem ( given to me by the team helping me with a short sale ) We have provided everything Wells Fargo has asked for. 
Please help me to avoid foreclosure! We are so close! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Item remains in inquiries section : XX/XX/202XXXX XXXX XXXX  XXXX added to TransUnion Credit Report without permission. 

2. On XX/XX/2023 a representative or a third party responded to CFPB claim # XXXX which was submitted on XX/XX/2023 stating that the Personal Information section of the TransUnion version of the credit report had been updated. TransUnion was not given authorization to update anything in the Personal Information section, only the Inquiries section in CFPB claim XXXX complaint details section. 

The current copy of the report shows no phone number - ADDED, if this was in error please confirm. If not, a separate complaint will be opened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have found fraudulent inquiries in my credit report.
Product: Debt collection

I am writing to formally dispute the negative account reporting associated with my name and/or account number XXXX " L J ROSS ASSOCIATES

'' Which is an utility account for an address that I NEVER LIVED AT and you have removed the address but not the account, This account has been inaccurately reported on my credit file for a few months now! I have disputed with credit bureaus as well as

call collectors and nobody is helping me treating me like a scammer or that I am lying! I want is removed ASAP I am a single young mother and about to be HOMELESS because I can apply to a house with this. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, you
are liable for civil damages for negligence when failing to comply with the requirements of the FCRA. I have repeatedly requested, in good faith, that you provide proof of the negative account information. Your failure to respond appropriately within the legally mandated time frame demonstrates non-compliance with federal law and constitutes negligence. 
Please consider this letter formal notice under 15 U.S.C. 1681o. I request a response to this dispute within the legally mandated time frame, along with verification of any actions taken to remove or correct this information. 

Thank you for your prompt attention to this serious matter. I expect resolution of this issue within 30 days, and I request that all further communication be in writing to the address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today i called experian in regards to a dispute that was open since XXXX. A dispute usually takes 30 days however it was over the 30 days and the items that were disputed are still on my report. Once the dispute was over the itmes were still on there & Even after talking to several representatives about this issue they have yet to remove one rep hung up on my when i requested how these items were being verified they failed to tell me and said " they aren't able to disclose '' but how are you verifying this information is accurate on my report. They are violating my rights as a consumer 15 usc code 16811i
Product: Credit card

I was getting a quote on insulating my house. Did not sign anything. 
received email below : From : Synchrony for your XXXX  XXXX  XXXX Sent : Thursday, XX/XX/year> XXXX XXXX  To : Subject : Welcome! You're approved for a XXXX XXXX account. 

Here are the things you need to know. 

hello You're approved for a credit card from XXXX XXXX! 
We're excited to have you as a customer, and look forward to helping make your future purchases possible. 

Your credit limit is {$10000.00} Your card will arrive in the mail within 710 business days Be sure to activate your card once it arrives Once your card arrives, register your account on MySynchrony.com to set your preferences, enroll in electronic statements, and make payments. 

And remember to download the mobile app for anytime, anywhere account access. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website. 

This is an unmonitored email box. Please do not reply to this email. 
ABOUT THIS EMAIL MESSAGE : This email was sent by Synchrony to provide important account servicing information regarding your XXXX XXXX  account.You may receive account servicing emails even if you have requested not to receive marketing offers by email for your XXXX XXXX account. 
Credit is extended by Synchrony Bank which is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT, XXXX, USA.www.synchrony.com
Product: Mortgage

We sold our home and because of the new regulations we had to rent numerous storage units and find temporary housing rather than being able to do simultaneous closings as we have done for the past 40+ years! We have incurred XXXX dollars in incremental, unnecessary costs as a result of the new regulations that also require the mortgage companies document that the monies from the sale have POSTED, not be pending before they will send the new home purchase docs to underwriting. Add to this the additional days to review documents that take literally minutes to review and if an error is found the timer starts all over again! Today is XXXX XXXX and we are in day 12 of our limbo situation with no line of sight into a closing date. There was additional delays on the sale of our home as a result of the same regulations which added to our storage costs. Who is regulating these regulations and calculating the incremental XXXX dollars it is costing consumers to store their property and find alternative living arrangements? THIS IS NOT THE FAULT OF THE MORTGAGE COMPANY NOR THE TITLE COMPANIES, THIS IS A REGULATORY ISSUE! Also note, the address I am REQUIRED to provide in this complaint is my INTENDED address as I have no REAL mailing address as a result of these regulations! I am effectively HOMELESS!
Product: Credit reporting or other personal consumer reports

In XXXX of this year I called into the credit bureau to complain about personal information, accounts, and inquiries that I saw that should not be on my report. The credit bureau did nothing to resolve it. I sent a letter on XX/XX/XXXX to formally and officially dispute the same items that were still on there.I have checked everyday for updates and have not received any mail, emails, and nothing on the credit report has been deleted or updated. It is now XXXX AND NOTHING HAS BEEN DONE! 

This credit bureau has violated my rights as a consumer in so many ways. They willfully violate FCRA law by continuing to report inaccurate information and information that has been identified and reported as identity theft on several occasions.
Product: Debt collection

Dear XXXX XXXX XXXX, I am writing in reference to my previous communication dated XX/XX/year>, in which I formally requested validation of the debt you claim I owe. To date, I have not received the requested validation and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Without the proper validation of this debt, your continued attempts to collect, including reporting to credit bureaus, are in violation of the FDCPA. 

The details of the alleged debt are as follows : Account Number:XXXX Original Creditor : XXXX Amount : {$1300.00} Since you have not provided the necessary validation, I hereby demand that you cease all collection activities related to this account, including but not limited to, reporting this debt to any credit reporting agencies, contacting me by phone or mail, or initiating any legal action. 

Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA. 

Please confirm in writing that you have ceased all collection activities on this account. 

Thank you for your prompt attention to this matter. 

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$8400.00} - late/Open XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I XXXX XXXX DECLARE THAT ON XX/XX/2023 I BOUGHT A CAR AND OBTAINED A SUPPOSED LOAN FOR A NEW CAR FROM THE VOLKSWAGEN XXXX BRAND, BESIDES THEY PRESSURED ME TO ACCEPT A DEAL THAT THE SAME DEALERSHIP KNEW THEY WERE MISLEADING ME BY CHARGING ME MUCH MORE OF THE VALUE OF THE CAR GIVING ME EXTRA FEES AND WARRANTIES THAT I DID NOT ASK FOR WITHOUT CONSULTING ME FIRST, THEY WANT ME TO END UP PAYING {$63000.00} DOLLARS INCLUDING FINANCING AND TAXES FOR A BASIC CAR MODEL THAT LOSES A LOT OF ITS VALUE ON THE MARKET. BESIDES I DON'T LIKE THE SUV THE SEATS ARE VERY HARD AND OF LOW QUALITY AND I DON'T FEEL COMFORTABLE I ONLY HAD IT FOR 5 DAYS AND I ALREADY RETURNED IT TO THE DEALERSHIP I TRIED TO CONTACT THE BANK AND THE SAME MANAGER OF THE DEALERSHIP BUT THE VW BANK CREDIT HAS NOT GIVED ME ANY RESPONSE WITH THIS PROBLEM AND NOW I AM RECEIVING HARASSMENT BY THE DEALERSHIP THREATENING TO MAKE ME A VOLUNTARY REPO IF I DON'T KEEP THE SUV, I'M NOT INTERESTED IT'S A LACK OF RESPECT AND ABUSE AND I THINK OF PROCEEDING LEGALLY
Product: Student loan

I checked my credit report recently and noticed that my student loan balances are not going down. They are in fact going up, and this is after they changed my repayment plan, and increased my payment by over a {$100.00}. ( it has continued to increase since then ) I would expect my balances to get lower after that. I had to do a lot of juggling to work the increased payment into my budget. Here is the payment history for the last 24 months. 

You can see starting XX/XX/XXXX all my payments are going to interest. This company is ripping me off. I wish I would have seen this earlier. 

Date Description Principal Interest Fees Total XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$140.00} - {$220.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Adjustment {$57.00} - {$57.00} {$0.00} {$0.00} XX/XX/XXXX Payment {$0.00} - {$460.00} {$0.00} - {$460.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$12.00} {$0.00} - {$12.00} XX/XX/XXXX Payment {$0.00} - {$480.00} {$0.00} - {$480.00} XX/XX/XXXX Adjustment {$0.00} - {$21.00} {$0.00} - {$21.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report with all XXXX bureaus and thoroughly looking over everything I noticed there is inaccurate information on my credit report including : wrong names not, wrong addresses, wrong employment listings that are not associated with me. in addition Unauthorized Inquires I do not recall attempting.