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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 supposed 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.

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

This complaint is in regards to the late payments that are being furnished and reported by on my consumer report by Equifax. 

I have the right to privacy. XXXX XXXX XXXX XXXX  never disclosed to me that I had the option to opt out of my non public personal information being disclosed to any non affiliated third party. Furthermore, transactions or experiences between consumer and the person making the report are to be excluded from consumer credit reports. My consumer rights are being violated. XXXX XXXX XXXX XXXX  did not receive any permission from me in writing, verbally or otherwise to disclose any of my non public personal information to any non affiliated third party and I was never given the opportunity to opt out of my non public personal information to be disclosed to any non affiliated third party. Your company have assumed a vital role in assembling and evaluating consumer credit and other information and are obligated by law to be fair, impartial and respect the consumers right to privacy. I am requesting that the following items be removed from my consumer file. 
1. 30 days late 2. 60 days late 3. 90 days late Sincerely, XXXX XXXX XXXX.
Product: Debt collection

My ex wife of 10 years passed away in XX/XX/XXXX. I helped my children dispose of and empty out her apartment. I called XXXX cable company to let them know the service needs to stop and cable boxes need to be returned. They advised me the first week of XX/XX/XXXX they would send me boxes to return the equipment. They never did. Stark collection agency sent me a collection notice. I called them and informed them this was my ex-wife 's account and tds never sent me boxes to return the equipment. XXXX at starks advised me that they tds would send me the boxes to return the equipment. They did not. I called starks agin in XX/XX/XXXX. Told XXXX the same thing. He assured me XXXX would send me the boxes to return the equipment. They did not. I spoke with XXXX again the first week of XX/XX/XXXX and XXXX assured me tds would send me the boxes. They did not. Then i see today a collection from starks is on my credit report. This false and misleading. 1. i do not owe any of my ex-wives bills. we have been divorced for 10 years. 2nd. I will return the equipment when they send me the boxes. I asked XXXX for an address to send the equipment back myself today and he would not provide me with the address.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent out a letter to Equifax about inaccurate and incomplete information on my credit report.i asked to see original documents from those companies with my signature on it to verify the accounts or delete them immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$770.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XX/XX/XXXX {$250.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}. Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

XXXX   XXXX  , 2017,  {$310.00}. In my contract that I sign with  XXXX   XXXX   XXXX  money. There is a clause that said that I can call and get extension date. There was no limit on how many. Well today, I call and inform the person that I need an extension for  my  XX/XX/XXXX payment. She told that I can not have one and I would have to wait 6 month. I ask her where is that in my contract becaus e I have never been told that and I have ask for several and she was the  1st in 4 years that  said that. She could not show me that in my contract. So I told her that I have lived up to my end of the contract now she is refusing to live up to  Ford  agreement. I
Product: Debt collection

We have been contacted on numerous occasions by representatives from Caine Weiner located in XXXX XXXX. They state they have been retained by XXXX XXXX to collect on a debt that is currently being disputed by us. On several occasions we have informed Caine Weiner that they are not to call us or communicate with us via e-mail anymore. They continue to do so disregarding our written communication ordering them to cease and desist all contact with us. The most recent demand for no communication was dated XX/XX/year> and today, XX/XX/year> we continue to receive demands from them to contact them regarding the debt.
Product: Student loan

I paid {$9300.00} to XXXX XXXX XXXX XXXX through their agents TFC credit corporation but did not receive medical education necessary to graduate and become gainfully employed. XXXX XXXX XXXX XXXX made false promises about their graduation and work placement rates. Also, XXXX XXXX XXXX XXXX lost its accreditation at the time I enrolled.
Product: Mortgage

To whom it may concern, I received a short-term payment relief on my modification loan under the HAMP program letter dated XXXX XX/XX/2020. Nevertheless when the short-term relief ends ; " Any payment that become due during the relief period and are still unpaid will be move to the end of the loan. '' However I dispute the language in the memo, according under section 4013 of the Cares ACT, bank may elect not to categorize loan modifications a ( TDR ) if they are ( 1 ) related to COVID 19 ; ( 2 ) executed on a loan that was not more than 30 days past due as of XXXX XXXX ; ( 3 ) executed between XX/XX/2020, and the earlier of ( A ) 60 days after the date of termination of the National Emergency or ( B ) XXXX XXXX. Nonetheless for all other loan modifications the agencies have confirmed with staff Financial Accounting standards Board ( FASB ) that short-term modifications made on good faith basis in response to COVID 19. to borrows who were current prior to any relief, are not ( TDRs ). This includes short-term ( e.g. six months ) modifications such as payment deferrals, fee, waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrows considered current are those that are less than 30 days past due on their contractual payments at the time a modification program is implemented. As of XX/XX/2020 Troubled Debt Restructurings ( TDR ) states when does a payment accommodation become a TDR modification of loan terms do not automatically result in TDRs, and as described, institutions generally do not need to categorize COVID 19. Related to modifications as ( TDRs ). According to U.S. generally accepted accounting principles ( GAAP ), a restructuring of a debt constitutes a TDR if the creditor, for economic or legal reason related to the debtor 's financial difficulties, grants a concession to the debtor that it would not otherwise consider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. It is alarming that despite my genuine concerns and efforts to rectify inaccuracies resulting from identity theft, your bureau has failed to address my disputes effectively. The accounts in question are causing significant distress and have the potential to adversely affect my financial well-being. I have diligently followed the necessary procedures to dispute these accounts, and I have seen positive responses from other credit bureaus. I am now at a loss to understand why your bureau persists in denying my legitimate claims. The repeated denials not only defy the Fair Credit Reporting Act ( FCRA ) but also indicate a disregard for the rights and well-being of consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I notified JCPenney ( Synchrony Bank ) of my late payment and the day I would be able to pay via phone call and online account multiple times. The bank still proceeded to call me from different phone numbers all over the US 5 to 6 times a day, as early as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with Navient, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, Navient closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with Navient and have gotten no where. This loan is over XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX 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  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. 



According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, XXXX and Experian are consumer reporting agencies and I am the consumer. 



I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may also 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. '' These accounts are adverse items, and they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

My XXXX  received repeated phone calls from a man claiming to need to ask questions because I used her a reference in a legal matter from XXXX ( XXXX ) XXXX. When she questioned why they were calling he started cursing at her and hung up. They then repeatedly called my XXXX  from the same number and used profanity when he questioned why they were calling. I called the number he called from and they said based on my phone number they had nothing on me, they were a processing company and XXXX at me when I asked why they were repeatedly calling my family members if they had nothing. He is leaving voicemails saying he is from XXXX and saying to call back XXXX. These calls are every XXXXXXXX XXXX or so, and they refuse to disclose to anyone why they are calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year, I got my annual credit disclosure from Trans Union. I noticed that my XXXX XXXX XXXX, open since XX/XX/XXXX, was reported as 31-60 days late for XX/XX/XXXX. This was not accurate, and I disputed this to Trans Union in late XX/XX/XXXX. The XXXX XXXX account was reported in the adverse accounts section of my report. 
Trans Union responded later to my dispute and stated that its dispute investigation results showed the information had been verified and updated, and the 30-day late payment for XX/XX/XXXX was removed and now reported paid as agreed. 
In XX/XX/XXXX, I checked my Trans Union credit report and it showed the tradeline with no late payments reporting, and the account appeared in the satisfactory accounts section of the report. 
Then, in XX/XX/XXXX, the 30-day late payment was re-inserted into my credit file, where it remains currently. At no point did Trans Union mail me any written notice it had verified the previous late payment was accurate and that it would be reinserting the information into my credit file. Never. 
I do not know how Trans Union allowed previously-deleted information back into my credit file, but I am aware the FCRA requires them to maintain reasonable procedures to prevent the reinsertion of deleted information. This did not appear to be the case here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave written instructions for Equifax to remove a charge off from XXXX  XXXX and a charge off from XXXX XXXX..Without permission from me they posted my private experiences and Transactions which are prohibited by law ..I want those 2 Charge off accounts listed above to be removed ASAPOr show a letter giving written consent to post my private information how they choose.Remove and update my consumer report as instructed by me and several copies are being mailed out to those that may help me get justice as the law states I deserve
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems is fraudulently attempting to collect a debt in the amount of {$730.00} it purchased from XXXX XXXX, XXXX in XXXX. On several occasions, Midwest Recovery Systems has illegally placed this account ( ending in XXXX ) on my credit reports by using fraudulent, illegal and unfair debt collection practices such as negative re-aging of debt, breaking the statute of limitations in the State of Michigan, communicating false credit information and failing to disclose that I have disputed this debt on several occasions. 

XXXX XXXX, XXXX is not a licensed lender in the state of Michigan, according to the Michigan Department of Insurance and Financial Services. 

Between XXXX-XXXX, my attorney successfully worked with the three credit bureaus ( XXXX, XXXX, and XXXX  ) to get the Midwest Recovery Systems/XXXX XXXX account removed from my credit reports. 

Years later, in XX/XX/XXXX, Midwest Recovery Systems fraudulently placed this account on my credit reports again causing me further harm by damaging my credit during the COVID-19 pandemic, one of the most devastating times for Americans in the history of our country. 

Once again, I have filed disputes with the credit bureaus to have this account removed from my credit reports in an attempt to reverse the damage caused by Midwest Recovery Systems. Additionally, I will be seeking legal counsel and filing complaints with the XXXX  and FTC if this account is not removed from my credit reports promptly. 

I would like to settle this matter without litigation. However, if Midwest Recovery Systems continues to cause me and my family harm with their fraudulent, illegal, and unfair practices, I fully intend to invoke my rights as an American citizen and leverage the judicial system.
Product: Debt collection

These guys from XXXX XXXX keep calling me and telling me that there is a legal action for Theft of Business services and it s a felony and Im going to Jail.
Product: Debt collection

XXXX XXXX with New Era Assests called me on XX/XX/XXXX at XXXX. I called back shorly after and spoke to him about my debt. I advised him I would like to make a monthly payment arrangment for $ XXXX/month to pay off my debt. He was very rude an upset about this amount. He told me that they could try to do that with a automatic payment, but probably couldn't do that little of an amount, it would have to be {$160.00}. I told him I could call back on XX/XX/XXXX to make a payment, but that I didn't want to set up an automatic withdrawal. He got extremely upset, told me he would go back to his client to let them know I was unwilling to work with them, and then hung up on me. I am willing to pay back the money, and am only able to do {$100.00} at the moment, but have been advised not to do automatic payments. I was appalled at how rude I was treated, and have never been talked to like that by a debt collector. They are also contacting family of mine that was NEVER approved or written down on my account.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following information from my credit file. A list of the items to be deleted is attached in a Word document. I am a victim of identity theft, and there are multiple accounts and inquiries on my credit report that I did not apply for. I request that these items be deleted to ensure my credit report reflects only accurate information. I have reported the identity theft to the Federal Trade Commission and have included copies of the report. Please block this information from my credit report as soon as possible, in accordance with Section 605B of the Fair Credit Reporting Act.
Product: Debt collection

I received in the mail today ( XX/XX/2023 ) that states this debt from my XXXX  was sent to this company. I was not notified by my XXXX  this was even going to happen. I have XXXX  and I see them every 6 to 8 weeks. And no one let me know this would one go to collections. In addition, my mom calls on my account and she was not notified this debt exists. There were no actual bills from the dentist received via mail or email. 

The debt was actually paid on XX/XX/2023 via credit card in full. It was paid directly to the XXXX  office.