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

I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, it has become evident that these credit reporting agencies have failed to fulfill their obligations under the FCRA, thereby infringing upon my rights as a consumer. 

The FCRA explicitly defines a consumer report as excluding transactions and experiences. However, I have observed that these agencies have been including transactions and experiences, such as late payments and remarks, in my credit report. Not only are these items not supposed to be included, but I have not provided written authorization to the creditors to furnish this private and personal information, as mandated by the privacy notice regulations outlined in the Gramm-Leach-Bliley Act ( GLBA ). 

I believe that the inclusion of such information in my credit report is an infringement upon my privacy and is being utilized to exert control over my personal and private life. These unauthorized additions are resulting in negative items and remarks on my credit report, which should not have been present in the first place. 

Furthermore, I would like to bring to your attention that the name " XXXX XXXX XXXX '' is currently pending trademark registration. As the trademark owner, I hereby assert that XXXX, Experian, and XXXX are only authorized to furnish balances connected to my daily commerce activities and to contact me, the consumer and trademark owner, regarding the use of my Social Security Number ( SSN ) for information furnishing purposes. However, this authorization must be granted through written communication, not electronic, email, or phone correspondence. I expect these agencies to adhere strictly to these guidelines and await my approval response before furnishing any information without my explicit consent. 

In light of these violations, I am notifying you that I will be filing a Form 56 with the Internal Revenue Service ( IRS ) to establish our fiduciary relationship. This action is necessary as these credit agencies have taken it upon themselves to report financial data on my behalf without my authorization. 

Any inaccuracies in reporting or unauthorized reporting by the creditors, past or future, or the credit reporting agencies, will be reported to the IRS, Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX  ), and may even lead to litigation for breach of contract, if deemed necessary. 

I am eager to establish a competent fiduciary relationship with these creditors and agencies, provided that they operate in full compliance with the law and refrain from misusing or utilizing my private information, trademark, or credit report without my explicit handwritten authorization. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these grievances and ensure that consumer rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed XXXX hard inquiries and XXXX late payment that are not accurate. I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
The inquiries :XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX I emailed Firstmark customer service and asked them to define the " credit worthy '' conditions to have a cosigner removed from my private student loans. Firstmark who services 5 of my private student loans formally through XXXX XXXX responded by email stating " We regret that we are unable to provide that information. You may complete and return a cosigner release application and it will be reviewed and an approval or denial letter will be sent. '' By not providing consumers with the parameters with which Firstmark determines a person credit worthy leaves the door wide open for Firstmark to deny every application to remove a cosigner. They can literally say that a person with a XXXX XXXX XXXX does not meet their criteria in order to keep as many people on the hook for this type of debt. This needs to be addressed immediately. It's horrible enough that student loans are subject to unfair bankruptcy standards, but to allow loan servicers to withhold information to release a cosigner should be considered criminal. Please help me resolve this issue. 

*Side note : All payments to Firstmark have been made in full and on time since the repayment period started in XXXX The cosigners are my elderly parents in their XXXX XXXX XXXX XXXX  's respectively.
Product: Debt collection

I have received 3 phone calls from Diversified debt collectors, very crude verbally, said it was for XXXX XXXX XXXX, I have never had an account with XXXX XXXX XXXX, never received a bill or phone call from XXXX XXXX XXXX, I have never been late on any payments in XXXX years!, I  looked up Diversified on the internet, found many complaints, they have been reported to the XXXX many times
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked that these accounts and inquiries be removed as they are fraudulent and part of an identity theft investigation. The consumer reporting agencies have refused to do so in the last 60 days. I have also filled out an affidavit with the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2023 XXXX XXXX  XXXX XXXX I called the creditors and spoke with a representative and was told there is no information on file for me. All the creditors listed below also said they were going to send a request to the bureau 's for remove. They asked for my name and email but never heard anything from them. 
XXXX _________________ XX/XX/2023 JPMCB - AUTO FINANCE XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _______________ XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

In XXXX  I cancelled my services with XXXX XXXX. I returned all my equipment and paid the last bill in full. Months later I started receiving calls from XXXX stating that I owed a balance of {$200.00}. 
I was confused because I knew that I had already paid the last bill and had not received any other statements from XXXX  since I cancelled. 
I requested numerous times for XXXX  to provide me in writing, why I allegedly owed them anything. XXXX never provided me with a bill or statement. I disputed the debt with XXXX  numerous times and advised them that I would not be paying a debt that could be potentially fraudulent. 
Each time I received a call I would advise XXXX  that I had already cancelled my services and had paid the final bill and did not know why they were charging me any additional fees. 
Each time the representative said that they did not know what the balance was for and would submit a request to validate the balance allegedly owed. 
Finally XXXX stopped contacting me about this potentially fraudulent debt, so I assumed XXXX had resolved the debt as being invalid and cancelled their debt collection efforts. 
Unfortunately, within the last couple of days a 3rd party collection agency has appeared on my credit report. My credit score was an XXXX last month and now my score has dropped by over 75 points!

I called the collection agency ( XXXX XXXX XXXX ) immediately and they assured me that paying the debt would be the best thing for my credit and that XXXX XXXX XXXX would request for XXXX  to remove it from my report. I made the payment of {$230.00} and then I called XXXX again to find out why they hired a collection agency on a debt that I had disputed and thought had been found to be invalid and cancelled. 
Of course, XXXX apologized but could not explain why they had sent a debt that was not owed to a collection agency and said that they will request for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the XXXX, Experian and XXXX to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a bankruptcy that belongs to me.
Product: Debt collection

Have a court order since XXXX XXXX 2011 Court found it on my favor. Ever since the apartmentd XXXX are putting me on collection for the amount of {$1800.00}. 
They have not removed it. Even when I have proof and summit to my credit bureau.
Product: Debt collection

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.
Product: Credit reporting or other personal consumer reports

My personal information may have been subject to major data breaches in XXXX, XXXX and again in XXXX. This is not my debt
Product: Credit card or prepaid card

The website for my XXXX XXXX would not tell me my balance. There is no way for me to use this car if I don't know the balance. It now shows it is expired. However, there is a note right above the expiration date of XX/XX/22 that says FUNDS DO NOT EXPIRE. If they don't expire, why is there is expiration date on the card. And why won't the website allow me to see the balance. When I checked a few days ago, it said the status of my card was closed. No other information. What is this suppose to me. Why don't they give more information. Are they just hoping that customers don't check on these things so they can just keep hard working peoples money? 

The card is issued by Wells Fargo Bank , N.A . pursuant to license from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Request for Deleting Hard Inquiry due to Identity Theft
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX - XXXX : {$2700.00} XXXXXXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX Balance - {$780.00} XXXX XXXX- Balance : {$920.00} XXXX XXXXXXXX XXXX- Balance : {$160.00} XXXXXXXX XXXX XXXX- Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An Inaccurate BK # XXXX # XXXX is reporting only on Experian Credit report which is erroneous and fraudulent. I have never filed such public record or taken such action and it is very suspicious that this is the only bureau that it is reporting. I have filed several disputes acting on all my consumer rights, I have asked for and requested proof of some form of documentation and none has been supplied. I have filed numerous police reports as well. This is so unfair to consumers.
Product: Credit reporting

This is the continuation of efforts of the credit reporting agency to increase profits, regardless of verification of item, to ensure that they can continue to evade the required verification, they restrict disputes through their website or other means, while maintaining inaccurate information. The social security administration in 2005 found that they issued the same information and social security number to XXXX liked named information, in such, per the name changed for the record, and thru the SSA, my name is XXXX XXXX. Experian still regardless of the fact that the name listed on my credit report to my social security number, still maintains the inaccurate information, and thereby maintains and lists information on my credit report from the inaccurate person. In their response to dispute they inform that the verification is their paying corporations, and that whether actual verification of not to the true identity, their paying corporations are superior to factual verification. I herein state that if they remove the inaccurate, names that appear to my credit profile, then all the inaccurate credit entries, inaccurate inquiries associated with those names, then all of my credit disputes would be satisfied. Experian avoids compliance by denying consumers the right to dispute, which inofitself violates the standards of fair and accurate reporting. I herein request that they remove all names that do n't verify with my assigned social security number, and all inquiries that are n't associated with my actual name and identity based upon the issued and assigned social security number.
Product: Debt collection

On XX/XX/2020 at approximately XXXX hours I attempted to contact Orion Portfolio Services LLC, Compliance XXXX about account No. : XXXX______________________________________ I spoke with representative XXXX. When asking her what is the contact email for their company she stated " we do not have an email for a specific person. I'm stating that they are only have a general email. '' When asking if she had internal emails her response was " No sir ''. ______________________________________________ When asking her if her department has a compliance department she said yes and identified the person. When asking the representative what was the compliance officers contact information her response was " I'm sorry sir I can't give out that information, I apologize.__________________________________________________________________________________When asking the representative why would she not be able to give out the compliance officers number her response was " Because she only have an internal number. '' When asking the representative if the compliance officer had an outside email her response was " no she does not. " ________________________________________________________________________________________However attached to this complaint is the complete contact information for the compliance officer that is public record. _____________________________________________________________________________________________If possible, if the agency can explain why did their representative lie about information that easily found and is public record, through a XXXX search?
Product: Debt collection

Comenity Bank has repeatedly called me from over 200 different phone numbers. They will threaten me in voicemails, they will call 10+ times a day and I asked them to stop. Ive resorted to blocking all phone numbers but they change it and call 10 more times. They even XXXX searched me and started harassing estranged family members or people I havent talked to in 20+ years. Its non stop harassment. 
Ive attached proof of all the phone numbers and times they call daily.
Product: Money transfer, virtual currency, or money service

Paypal clsed my account without giving me any reason whatsoever as t why the closed my account i tried to appeal but learned that the permanet limitation is not reviewed by paypal staff My funds were also loced such that i am unable to get my locked funds back this is very unprofffesiona and i would like it to be reviewed and most importantly get back my blood, sweat and tears.
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  Account Number : XXXX and list of Inquiries.

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. 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: Debt collection

I.C. SYSTEM, INC put a derogatory mark on my XXXX  credit file. I called them on XX/XX/XXXX the day it posted on XXXX  and they told me I owed XXXX {$190.00} from 2016. I knew I did not because I have 2 accounts with XXXX  from before 2016. XX/XX/XXXX they put a second derogatory mark on my XXXX  credit file for the same {$190.00} for XXXX. XX/XX/XXXX, I called XXXX to verify that I did not owe them anything and they told me that I do not owe them..that my previous accounts with them show a XXXX balance and if I had an account that went into collections it would show on their end that it was written off. 
This collection agency is using excessive tactics to post 2 negative reports on XXXX  for the same {$190.00}. that I do not owe. I asked them for proof that it was my account and they said they could not give me that information.
Product: Credit card or prepaid card

It was at the beginning of covid things were shutting down. I thought I had found a job but had to interview first. So the person said to talk on XXXX XXXX. It seemed legitimate he paid off my credit card or so I thought. The next day he had me go get a gift card from XXXX for XXXX $ and send him pictures of the card. I did as asked when I realized it was a fraud I had looked into the card online and saw charges for XXXX XXXX. I called capital one and they said they cant do anything about it that even though I was scammed it was my fault.