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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 looked at my credit report back on XX/XX/2024 and noticed somethings are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a Consumer reporting agency prepares a consumer report it shall follow reasonable procedures assure maximum possible accuracy of the information concerning the individual at whom the report relates. These accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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

On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 90 days!! I demand these accounts be deleted immediately/promptly. That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the fair credit reporting act and account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A 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 instruction.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX, Experian, XXXX and XXXX XXXX, Account # : XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I am a customer and have an impeccable payment history with JD Byrider. My car was totaled and I was given a new one by Byrider. They insurance paid the value and I was asked to pay the rest. I did. They refused to give me the car I paid for. Regarding the new car, I have made the payment payments on time. I have to call each time to make the payment. Many times I call no answer I have to call back. I called last Friday and no answer. I called Saturday a d the manager refused to accept my payment asking why t did not call on Friday. I told him I called and he said they were busy and I should have called back so he will reposes my car, even though I am not behind in my payments. Also from the start and during the last conversation I informed him to put my card on file for automatic payments he refused and wants me to call. I have a job and work and can not call every Friday, whilst at work. I don't owe and he said he will put my car for repo 's by refusing my Friday payment o. Saturday when I got a hold of them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For EXPERIAN 1. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX  Account Number : XXXX Please investigate and delete from my credit report For XXXX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was billed while being on a fix income and XXXX on XXXX XXXX and XXXX XXXX for XXXX dollars from XXXX XXXX XXXX.It 's been on going since XXXX XXXX account # XXXX.I would like it to be remove from my cridet report under section. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 infromation .Any other adverse item of informtion other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681- @ ( A ) ( 1 ) A person shall not furnish any informtion relating to cusumer to any comsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/XXXX received a text message from a non identified number. Also there was not identification in text as well. Only after I called number attached was I able to find out who it was. Text stated I needed to make a payment by XX/XX/XXXX which is 344 days away. This is the only conclusion because you can not make a pa

yment in the past. Company violated FDCPA Code section 807. They didn't disclose. I have screen shots and am perusing considering all options in regard to this blatant disregard for law. In addition this violation of FDCPA there are additional violations that I am seeking counsel in regard to at this time. I have screen shots that I will provide if necessary confirming this matter. 807. False or misleading representation ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the con
sumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

According to Section 807 ( 11 ) of the FDCPA, the initial communication between a collector and a consumer must disclose that its from a debt collector attempting to collect a debt and that any information obtained will be used for that purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$390.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. Included in the bankruptcy on, Official Form XXXX XXXX were three student loan amounts held and/or managed by XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX  Opened XX/XX/XXXX - Last Active XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX OpenedXX/XX/XXXX - Last Active XX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX OpenedXX/XX/XXXXLast ActiveXX/XX/XXXX Total of XXXX loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX
*** According to Official Form XXXX ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors - XX/XX/XXXX at XXXX XXXX - No representative from XXXX XXXX XXXX. attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline : XX/XX/XXXX Deadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : XXXX - Notice by first class mail was sent to XXXX by the Bankruptcy Noticing Center on XX/XX/XXXX.
A discharge was granted by a United States Bankruptcy Judge *** XXXX reported to all three reporting agencies that the balance on the three XXXX loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''.
The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report.
+++ I have had discussions with XXXX, XXXX XXXX XXXX XXXX, and the three credit bureaus. Nelnet has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from XXXX that they provide all statements for the year of XX/XX/XXXX.
The request was denied through an email that literally said " ... your request has been denied ...
I was unable to get any explanation as to why they would n't send the statements.
The same as above is true for XXXX as well.
One of the other credit reporting agencies, XXXX I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan.
I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you XXXX
Product: Credit reporting or other personal consumer reports

XXXX/XXXXXXXX Account # XXXX Original Creditor : XXXX XXXX XXXX Apartment Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX Dear Sir or Madam, I am writing to formally dispute a fraudulent charge or debit attributed to my account in the amount of {$530.00}. I am requesting the charge to be removed due already paying the settlement amount of {$480.00}. on XX/XX/year>, to XXXX XXXXXXXX XXXX XXXX. This dispute is submitted under the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681, which requires credit reporting to conduct a reasonable reinvestigation of disputed item. Recent finding by the CFPB have brought to light significant concerns regarding Equifax to conduct proper investigations specifically, in a lawsuit filed against Equifax, Enclosed are copies of the documents including the receipt of the amount and screenshots of the text messages between me and the original creditor and them accepting the settled amount. Furthermore, a letter from the original creditor stating there is no longer a debt.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries are damaging my credit. Remove them per 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Name : SYNCB/CCARE1 Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have violated my rights. 
As well as my personal information to be reporting the updated information. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This leads way to identity theft.

The definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
That means I did not provide a company ( company reporting ) with consent to share your credit card ( ID, SSN, etc ) with another entity ( Experian ) this is a violation of 15 U.S. Code 1681s-2 ( a ) Block Except as otherwise provided in this section, 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 receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The information is not information relating to any transaction made by the consumer ( me ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # ( LISTED BELOW ), 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. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX
Product: Checking or savings account

I have been using Chase since college, for almost 7 years. When the school year started, they closed my account right after my parents sent me money for tuition and said they needed to close my account but would send me the remaining money back. However, I have been waiting for half a year and still have not received my money back. The problem is I am graduating this XXXX and will be leaving the US. I do not know if I can get my money back before I leave. If I do not, then it means I will never get the money. What should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated and or deleted. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$5300.00} - How many times do I have to state that the references used to support the late payment on this account are false and deceptive, thus impacting my credit report? I previously asked that this account be looked at and corrected, but you did nothing. Let me remind you that the FCRA legislation requires you to look into and update this account in response to customer inquiries. In order to present correct information on my credit report, I once again ask that you take your time to THOROUGHLY examine and CORRECT this account. 

XXXX XXXX Balance Owed : {$23000.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Investigate and adjust the situation as necessary to represent it correctly. 

XXXX XXXX XXXX XXXX : {$19000.00} - This account currently publishes information without permission. You continued to record an account as 120 days past due even though it is already a charge off account under the Federal Reserve and Federal Insurance Act. I want a complete inquiry and that an update be given legally and accurately. 

XXXX XXXX XXXX XXXX : {$0.00} - Account number, payment status, and date open appear to be inaccurate information that was reported. Please review this account 's payment history information. I think I made my payment on time, therefore the late history shouldn't be displaying any lates. Correct the late payments from this account, please. I'm not running behind on this. Get it correct as soon as possible ; assess this reporting by updating the data supplied. Please update this from my file, make any necessary changes, and modify it. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$2400.00} - The payment status and payment history on this account were incorrect. A charge-off ought to have a balance of XXXX. My credit continues to be harmed by this false information. Please present evidence of the most recent payment. If not, please delete this from my file. 

XXXX XXXX XXXX XXXX : {$0.00} - This account contains a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and correct it. If not, delete right away. 

XXXX XXXX XXXX Balance Owed : XXXX  XXXX The FDIC 's Account Management Policy and Uniform Credit Retail Credit Classification are both broken by this account, according to the report. Please present evidence of the most recent payment. Otherwise, immediately delete the account.