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

In accordance with the Fair Collection Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # # ( Various Inaccurate dates and information concerning ownership and balances exist on each one ) All Listed accounts have 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 an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information, other than records of convictions or 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 the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I borrowed XXXX from one main financial in XX/XX/XXXX. Then on XX/XX/XXXX I borrowed XXXX after the individual stated since my credit score was XXXX I'd only have an 11 percent interest rate which apparently isn't correct to one main financial its XXXX percent after reviewing the audit they sent I still owe over XXXX I've been paying monthly since loan began. Now I feel I've been lied to also had disability insurance and death on original loan which wasn't returned or refunded plus they refused to make 2 payments after I became XXXX due to injury.any help would be appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I'm filing this dispute against Transunion and XXXX  based on their inaccurate credit reporting - TransUnion is showing my credit score at XXXX XXXX  is showing my credit score at XXXX I filed a complaint two weeks ago and they both made minor adjustments, however BOTH bureaus are still reporting my credit card usage as 24 % - in fact, it's closer to 10 % What's more troubling is the fact that they're showing my Age of Credit History at 10 months, which is horribly incorrect. I've maintained an impeccable credit history for 3 years now This needs to be adjusted as again it's impacting all of my ability to obtain a car loan, as well as, my overall good standing. I'm about to engage in government contract work and this may very well prohibit me from doing so
Product: Credit reporting, credit repair services, or other personal consumer reports

The financial institutions listed below continue to violate my federal right to privacy. 

XXXX 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 Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as Transunion, XXXX, or XXXX, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. 

Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting.

Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. Transunion, XXXX, and XXXX, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to stop Experian Alerts and just got another XXXX today, XX/XX/year>. I signed up simply to freeze my credit following the XXXX hack. I did NOT sign up for Spam!
Product: Credit reporting or other personal consumer reports

I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

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 XXXXXX/XX/year>
Product: Vehicle loan or lease

I defaulted on my Auto Loan with Veros Credit. they repossessed my Vehicle on XXXX I called to gt location and amount needed to get vehicle back. I was told that the vehicle was in route to the auction so there was no location on file for me to retrieve my personal property or to pick up vehicle. The agent said they were unable to tell me how much is owed to get vehicle back. I had 2 agents hang up on me, finally spoke to a manager and I was told i need to pay the entire amount of loan which was close to XXXX. On XX/XX/XXXX I received a phone call from a rep at Veros Credit who said I only need to pay {$3000.00} to take ownership of the vehicle and that would allow me to keep my current loan and reduce my payments to {$350.00}. XXXX I made the payment for {$3000.00} on XX/XX/XXXX XXXX the following day I got a call from the Same woman at Veros Credit XXXX She informed me that my Vehicle was SOLD the day before at Auction. The funds were returned to me. I only got 1 notice in writing regarding the sale and repossession of my Vehicle and that document DID NOT include the address for me to pick up my personal property either. If I had this option in a timely manner I would have been able to secure my personal property out of my vehicle and get my vehicle back. This information was never disclosed to me. The entire process was extremely deceptive. I was mislead, lied to and taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Checking or savings account

I tried to open a account there they won't take the restricted off from it and remove it there I called and won't even give me the fraud dept
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud inquiries : 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 or other personal consumer reports

Please remove these hard inquires from my credit report as I did not give permission for them to be on my credit report.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$5100.00} Reason : Unverified account
Product: Credit reporting or other personal consumer reports

I would like to express my extreme frustration and disappointment regarding the handling of fraudulent items on my credit report. Despite multiple attempts to dispute these fraudulent entries, they persist on my credit file, causing significant distress and potential harm to my financial well-being. 

I have submitted detailed explanations, supporting documentation, and any other requested information through your dispute resolution process, yet these fraudulent entries remain unresolved. 

The continued presence of these fraudulent items on my credit report not only damages my credit score but also undermines my financial credibility and exposes me to potential identity theft risks. Despite my efforts to rectify this situation, I am dismayed by the lack of urgency and effectiveness in addressing these critical issues. 

Given the severity of the situation, I demand immediate action to remove these fraudulent items from my credit report. Furthermore, I expect a thorough investigation into how these fraudulent entries were allowed to persist despite my diligent efforts to dispute them. 

I urge you to expedite the resolution of this matter and provide me with written confirmation of the removal of the fraudulent items from my credit report. Additionally, I request compensation for any damages incurred as a result of these inaccuracies, including any fees associated with credit monitoring services or adverse effects on loan approvals and interest rates. 

Failure to address this complaint promptly and satisfactorily will compel me to escalate this matter to the appropriate regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these in my credit file : 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: Debt collection

Myself & my stepsister received a phone call from an XXXX XXXX XXXX. They claim to be looking for me so they can deliver me important papers from XXXX. I called the number back this morning & XXXX XXXX answered as XXXX. I told him that I was calling for XXXX XXXX XXXX & he informed me that XXXX is one of many couriers they use. I finally got him to tell me what the call was regarding & he told me I had an outstanding loan with XXXX XXXX XXXX that was taken out in XX/XX/2016. When I told him that I don't remember having a loan, nor do I have any communication from them, he said that the loan companies always play the victim part, but he still had a job to do & he had to collect a payment. I told him that I would not make any payments until I got verification of the debt. He told me he understood but if I didn't at least make payment arrangements, he'd have to mark me as default & they will have to take the next necessary steps. Although I contacted XXXX/XXXX, I got another call from a XXXX XXXX @ XXXX this evening, as did my step sister ( from my understanding, it is against the law to continue contacting friends & family members if the debtor has been located ), reminding us that they'll be delivering papers to me on Friday between XXXX-XXXX ( not sure if it's XXXX  or XXXX   ). I reached out to XXXX XXXX XXXX to send me verification of the debt in writing & as of this writing, they have refused to do so. XXXX would not provide me with an address, so I could not send any sort of cease & desist letter.
Product: Debt collection

My ex wife purchased a car and it was financed by Santander which at the time of purchase Gap insurance was also purchased. There should be no balance left is which why consumers purchase gap coverage. I have disputed this account and requesting full validation and verification regarding this issue. Please help assist.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  and XX/XX/, I received an email from Nelnet stating : Dear XXXX, Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. As a reminder, you dont need to take any action at this time. 

What to Expect Next If we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. 
Once we have finished processing your application, well send a letter or email ( according to your communication preference on file ) with the outcome of our review. 
Our emails are your best source for status updates about your IDR application, so please watch for emails from us. If you need assistance, please visit Nelnet.com/contact, as this is a non-reply email. 

Thank you for your continued patience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccuracies on my credit report that have been reported by the following creditors : XXXX CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. 

XXXX CHILD SUPPORT XXXX has reported inaccurate information to the credit reporting agencies, which may potentially violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ). Additionally, this creditor has failed to report the correct account status, which may potentially violate FCRA section 623 ( a ) ( 2 ). Furthermore, XXXX CHILD SUPPORT XXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX has also reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Moreover, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally, this creditor has failed to report a monthly payment amount, which may potentially violate FCRA section 623 ( a ) ( 5 ). Furthermore, XXXXXXXX XXXX XXXXXXXX has reported different credit limit information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( D ). Finally, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ).

These inaccuracies have affected me greatly, both financially and emotionally. As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to secure loans or credit cards with favorable terms. This has made it challenging for me to provide for myself and my family, and has caused me a great deal of stress and anxiety. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report as soon as possible. I am hoping for a prompt resolution to this matter, and I would appreciate any assistance you can provide. 

Thank you for your attention to this matter. 

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

On Wednesday XX/XX/2023 I was notified through my XXXX app that there was a new hard inquiry placed on my XXXX account that was initiated on XX/XX/2023 by some place called ComenityCapital/Good. I did not request this inquiry and have no idea who this company is. No contact information is provided with the inquiry.
Product: Debt collection

this account belongs to my ex husband XXXX XXXX. this item does not belong to me and this company refuses to cooperate, even though I have provided documentation via XXXX county court district to prove this account does not belong to me over the course of several disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed account will be updated immediately. 
XXXX  XXXX XXXX Balance : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting a late on XX/XX/20 on my credit file that I would like removed. I recently looked at my credit and noticed some this late notation on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Capital One report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Capital One please take leniency on my hardship and remove the late as a onetime goodwill adjustment. I have not been late before and have been punctual since.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

I am unable to view or get my credit report from equifax. I have not been able to get it since may. I reached out to them in XXXX and was told there was a internal block on my report and in order to remove it I would have to send in a letter and a picture of my drivers license and social security card. I did this in XXXX. I called back and they said they still arent able to lift the block. When I look on the website it says blocked for promotional purposes, Im not sure what that means. I can not see the items on my credit report, there for I cant fix my credit. I have tried multiple times to fix this issue, may you please get my account fixed so I can see my credit, thanks.
Product: Credit reporting or other personal consumer reports

The credit card from the creditor on my credit report named like XXXX on my credit report on the XXXX, TransUnion and XXXX XXXX to request to the credit bureaus show the account close on the credit agencies Even though the account was closed at my request on XX/XX/XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.