23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX credit managem # : XXXX Account name : XXXX XXXX XXXX XXXX : 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 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. 16815-2 ( AN1 ) 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX To : The Office of Registered Agent for Convergent Outsourcing From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

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

To CFPB, I requested XXXX, TransUnion, and XXXX to do a thorough investigation on my credit report to make sure all information on my report are accurate. Upon the agencies final review of their investigation, there was too many inconsistent information reported. 
Examples : The date the accounts was reported, the last time the company reported the account, documents to show I applied for the account In accordance with Fair Credit reporting act, ALL THESE ACCOUNT with account number has violated my rights. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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
Product: Bank account or service

Wells Fargo let an online card take money from my card without my permission. 
that is an insult to the customer. 
i want my XXXX dollars back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX.A. ) XXXX XXXX : {$720.00} are reporting on my personal credit file with 3 Bureaus credit reporting agency. These accounts was 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 in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account named XXXX XXXX XXXX  was a part of a bankruptcy XX/XX/2018. Over three years ago. And still has continued to report inaccurate negative information on my credit report. the company XXXX XXXX has accurate records of the bankruptcy as it shows as a flag to the credit report shortly after the filing of the bankruptcy. Yet continues to ignore bankruptcy laws and violate my consumer right to fair reporting. Experian has allowed this account/business to report negative information for over three years and continuing to this day. I have disputed this first premier back report multiple times over even going as far as providing proof it a part of bankruptcy years prior. I demand Experian remove this account and all of its inaccurate reports from my credit report ASAP Experian has even went as far as changing the original name of this account ( as I previously reported ) Experian has been unfairly reporting a lot of inaccuracies on my credit file for over three years and refuse to make this right causing my credit score to suffer. Experian will pay damages for what has been done if things cant be worked out fair and my scores and report wont be compensated by reaching out demanding it be made right and ASAP I have suffered long enough, over three years and placed in a certain category, denied and charged higher fees and rates. Experian deserves to be sued in the court of law!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in a vehicle in XX/XX/XXXX. That vehicle was paid off by the dealership in XX/XX/XXXX as Experian Evan states on the telephone yet there is a report of a negative payment in XXXX which of course is impossible seeing as how the account was paid in full in XXXX they refuse to remove the negative payment history in XX/XX/XXXX even though they know the account was paid off in XX/XX/XXXX
Product: Debt collection

Received a phone call XX/XX/22 threatening legal action.Called XX/XX/22 threatening legal action again. I requested a verification letter on XX/XX/22 and XX/XX/22 they stated they mailed it and I should just pay my bill. XX/XX/22 I requested the information to send a validation letter. I was told to go to the website, I again requested the address and he told me that what I need to do is take care of it and just pay it. I again asked for the address to send the validation letter and he told me I was being sued. I again requested the address. He finally gave me the address and then continued to ask me if it was my debt and how was I going to take care of the debt.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX XXXX XXXX  - Account number - XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$930.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX - {$1300.00} INQURIES XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 person knows or has reasonable cause to believe that the information is in accurate.

15 U.S.C 1681 C-2 15 U.S.C 1692g 15 U.S.C 1681IS-2 15 U.S.C 1681i 15 U.S.C 1681b 15 U.S.C 1681i 15 USC 1681b - 15 U.S.C 1681IS-2 15 U.S.C 1692g 15 U.S.C 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e-
Product: Student loan

I 'm still making payments to the Debt Collection service that I 'm using, while this is not the first time I 've got calls like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent My Letters off XX/XX/22. I told the Credit Bureaus to " Investigate every piece of information '' on the accounts listed down below. 
Also, I have attached the tracking numbers to show I sent these letters to each Bureau voicing my concerns and disdain for these inaccuracies and discrepancies.

According to the FRCA, the Term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, personal characteristics, general reputation, or mode of living is obtained through personal interviews with friends, neighbors, and associates of the consumer reported on or with others whom he/she is acquainted or who may have knowledge concerning any such items of information.

If these accounts are supposed to be verified, how is this possible if they did not do a proper and full investigation according to The Law.

Also, every piece of information on these accounts are still reported 100 % Accurate. And According to the FCRA 15 USC 1681 EVERYTHING has to be 100 % Accurate and they are not. I have attached the inaccuracies as well.

These accounts are not only inaccurate but they have violated My Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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.

I am not a criminal and have never been, nor have I been convicted of any crime ( s ).

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. 

These are the accounts : XXXX  XXXX ( different amounts for all 3 ), XXXX or XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I SENT A LETTER OUT ON XXXX XXXX XXXX XXXX XXXX, transunion, XXXX  however its been more days and the credit bureaus failed to send my investigation back according to the law 15 USC CODE 1681I ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Debt collection

Upon payment they said they would remove the debt from my credit report. I requested a letter and they said that once I made the payment they would send the letter and I never received it. They did not remove the item off my report
Product: Credit reporting or other personal consumer reports

I have been working with XXXX, XXXX AND EXPERIAN to " block '' fraudulent accounts opened under my name during identity theft. I continue to have the same issues even though I have supplied all of the information required by federal law, and that I was instructed to do so via the FTC and CFPB. 

XXXX : The emailed on XX/XX/year> stating the proof of address was not accepted. I enclosed a bank statement, which is an acceptable form. I will also upload it to this complaint as proof. XXXX is instructed to add this to the packet they received on XX/XX/year> @ XXXX XXXX via tracking number XXXX XXXX XXXX Has ignored all attempts to correct this information. I have not heard back anything, other than the response to the last complaint on CFPB. XXXX is also instructed to upload the bank statement attached as proof of address to the packet they received on XX/XX/year> @ XXXXXXXX XXXX via tracking number XXXX EXPERIAN XXXX Has completely ignored all request, both via certified mail, CFPB and telephone calls. They repeatedly send me emails saying they are denying my request for blocking. I'm also instructing Experian to upload the proof of address attached to this complaint. They also received the identity theft packet via certified mail on XX/XX/year> @ XXXXXXXX XXXX via tracking number XXXX All parties receiving this complaint are instructed to process this blocking request in a timely manner, and to the full extent of the law. Failure to do so will result in legal action being filed in court. I've tried over and over again to get this issue taken care of, all of which has been ignored. These credit reporting agencies are very quick to allow someone to steal your credit, but then refuse to fix it. Being that I was part of the DATA BREACH from Experian, you would think they would take this seriously.
Product: Vehicle loan or lease

I have attached a file below proof of the case with common pleas court that i won a law suit against XXXX XXXX for XXXX and settlement to arise out of the purchase this settlement was confirmed by Judge XXXX XXXX. Case number XXXX i won a lawsuit against XXXX XXXX  for Dealership fraud of over charging me. Please remove this loan from our credit reports or i will take this to the Ohio Attorney General XXXX XXXX. If this is not removed within 15 business days i will exercise my rights to XXXX XXXX. This is all due to auto fraud and lemon car from XXXX XXXX. I have an open pending case with the ohio attorney general if this is not taken care of XXXX  had told me to file another complaint and if it is denied he will be taking over.
Product: Student loan

I have called Nelnet to get information but they have failed to communicate with me about income driven repayment plans. On top of that JOE Biden said he was cancelling student loans. Now the repayments are supposed to start back up. I worked all throughout the pandemic with hopes of my student loans being forgiven. Now I received an email saying it's time to start paying them back. I'm baffled as to how certain people were chosen to get their loans forgiven and others were so unlucky. 
I have called Nelnet to get information but they have failed to communicate with me about the income driven repayment plans. Also I read online that there was a scandal going on with the company. At this point I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a XXXX credit card opened in my name and was maxed out. This activity is fraudulent and I need this to be taken care of in a timely manner. According to the FCRA any inaccurate accounts/information on my report are to be removed with the proper documentation. I have never opened a XXXX card. I need this to removed from my credit report because it is negatively impacting my credit score. This is unfair.
Product: Debt collection

Good Evening, On XX/XX/XXXX a representive from XXXX, based in California contacted me about a debt my father owed to them and asked if I could give them his information. They disclosed to me at that time the debt was on his XXXX XXXX. I did not give them any information and hung up. On XX/XX/XXXX the same company contacted my ex wife about the same situation and disclosed the same  information to her. On XX/XX/XXXX I submitted a better business bureau comlaint against the company to which they never responded and sent them an email telling them to stop contacting me and my ex wife. On XX/XX/XXXX a representative from the same company contacting me saying they would stop contacting me and my ex wife. In the email the representative carelessly left a reprimand they sent to another employee about leaking clients information via mass email. The information I received was that the clients were late on their payments and it included every clients email address. I will give you the email should you ask. Then today XX/XX/XXXX. The company sends a tow truck to my ex wife 's address in UT to collect my fathers car, he lives in CA, and gives her roommate a card with my fathers account number for the claim on it asking her roommate to contact my father about the debt. I have pictures of the card as well.
Product: Debt collection

I would like to dispute the debt associated with a bill from XXXX reference number XXXX. 

This bill is related to two XXXX they claimed they did not receive back after I cancelled my contract with them, however, that is false. The XXXX were in fact returned and the enclosed receipts provide proof of this. I have filed many handset research forms with the company to rectify the issue and to have the bill removed. Every request has been denied and they have refused to provide me with an email or mailing address to provide my receipt to. 

Additionally, I have also been working directly with the store manager of the facility that I returned the XXXX to. He also recalls that I returned the XXXX and has the same receipt on file. However, he states that he does not have the access to remove a bill. Customer Care claims, the store manager is the only one with access to remove the bill. 

I have spent approximately 12 hours over the past 4-6 weeks disputing this directly with XXXX I spoke with the store manager on Sunday, XX/XX/2023, and he personally called the customer care team with me and ultimately, they both agreed this was not my issue but no resolution was provided. Rather, they told me that once I am sent to collections, I should dispute it. This seems completely inappropriate given they are both aware that the bill is not legitimate. 

Additionally, upon completing some preliminary research of my own, this is a common issue other XXXX  customers have experienced. I believe the company is fraudulently processing handset research forms in an attempt to coerce consumers into paying. I will not accept this financial harassment. 

At this time, I would like to request an immediate review of this issue and have the bill removed as it is completely unjust and the numerous XXXX  representatives have agreed despite taking no action. I have also taken action with the debt collections agency. 

*Please note these images submitted below were taken of the XXXX  managers XXXX. Proving not only did I return the XXXX they also have documentation that I have returned them. Yet, they are falsely charging me for them.
Product: Credit reporting or other personal consumer reports

Following accounts need immediate deletion, as there was no proof of thorough investigations, Experian, Transunion, and Equifax continue to report false information, this is beyond discriminatory at this point, also they refuse to delete items in litigation. 

Accounts : 1. XXXX - delete 2. XXXX XXXX XXXX - Delete 3. XXXX XXXX XXXX XXXX - delete 4. XXXX XXXX XXXX - delete 5. XXXX XXXX XXXX - Delete
Product: Credit reporting or other personal consumer reports

My student loan was part of the federal forgiveness program and the outstanding balance was forgiven, leaving me with a balance of {$0.00}. I received a letter from XXXX stating the new {$0.00} balance, which I submitted to the 3 credit reporting agencies 6 months ago, when I start the dispute process. XXXX updated the account and correctly shows a {$0.00} balance. However, as of today  Equifax and XXXX haven't updated my account with the correct balance. They are still showing an incorrect balance, which is affecting my credit score and ability to refinance my home.