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

FRCA Violation address and names XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiry XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX FRCA Violation collection XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX5 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: Credit reporting or other personal consumer reports

Equifax is violating myconsumer laws and I demand solutions asap.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX has violated my rights XXXX 
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: Credit reporting or other personal consumer reports

Furnisher of information : XXXX XXXX Account # XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, and XXXX 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 is a financial institution by definition 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 the financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not havemy written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX 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 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 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. '' This account listed above is an adverse item they are reporting again 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, Experian, and XXXX 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: Credit reporting or other personal consumer reports

XXXX 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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX 2022 under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX2022 under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX2024 under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

DURING THE TERMS OF THWE LOAN I REQUESTED AN EXTENSION TWICE. I PAID A {$50.00} FEE FOR ONE EXTENSION. I WILL BE FINISHED WITH THE TERMS OF MY LOAD CONTRACT ON XX/XX/2020, HOWEVER, THE FINANCE COMPANY IS NOW TELLING ME THAT I OWE THE A BALLOM PAYMENT OF {$2200.00} AS OPPOSED TO {$740.00}. THEY ARE SAYING THAT I AM BEING CHARGED {$2200.00} IN INTEREST AND WILL BE CHARGED XXXX PER DAY IF I DON'T PAY {$2200.00} IN FULL AT THE END OF THE CONTRACT ADTE.. I HAVE PAID FOR THIS VEHICAL IN QUESTION FOR THE PAST 69 MONTHS ON TIME. I KNEW NOTHING ABOUT BEING CHARGED A BALLOOM PAYMENT AT THE END OF THE CONTRACT. ITS NOT FAIR FOR ME TO BE CHARGED {$2200.00} FOR {$740.00} AND LOSE MY CAR AFTER PAYING FOR IT FOR THE PAST 72 MONTHS. I AM A SENIOR CITIZEN XXXX  YEARS OF AGE BEING TAKEN ADVANTAGE OF. I CAN NOT READ OR WRITE THAT WELL. SO, PLEASE BE ADVISED SOMEONE ELSE IS WRITING THIS COMPLAINT ON MY BEHALF. IN ADVANCE THANK YOU FOR YOUR TIME, PATIENCE, COOPERATION, CONCERN REGARDING THIS MOST URGENT MATTER.
Product: Debt collection

In XX/XX/2014 the rental house I was living in was sold and I had to move. At that time I had an account with XXXX XXXX. I called them and explained that I was moving to a building that provided cable tv and they did not allow satellite dishs. I returned their equipment and thought the matter was settled. I now have a collections notice on my credit reports for {$360.00}. I C Systems is trying to collect an early termination fee for XXXX XXXX. I have explained the circumstances to I C Systems and disputed the charge with the credit bureaus. They will not remove this charge from my credit reports.
Product: Money transfer, virtual currency, or money service

Due to the global Covid-19 Pandemic I was struck with the worst luck anyone could imagine. Picture being over XXXX XXXX XXXX unsure how far along, as a woman, someone is as well as allowing another individual trying to defraud what is in a name collecting food stamps, paying for an unexpected XXXX, and than immediately working as a XXXX in one state and being told that a professional is not a professional unless proven by a certificate that was documented by another medical Home Health agency proving the fact ( s ) of the individual 's work history. Than to top it off, being promised this PUA ( Pandemic Unemployment Assistance ) that didn't come through due to unusual circumstances of normal routine and exercise. Normal routine and exercise does not include doing, " bad business, '' just to make a pay cut. This requires more than just talent in one 's distal flanges.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Equifax, is hurting my credit report and credit score by reporting false and inaccurate information. I've asked to them verify an account that isn't mine and it crippling my credit. 

I asked for a copy of the reinvestigation and they never provided this information. Instead they confirmed that the account belongs to me without providing proof and steps of how they verified the account to be mine. 

My rights are being violated under the following federal credit laws : 1. ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Notice of Results of Reinvestigation 2. ) 15 USC 1692 ( g ) ( a ) Validation of debts.

3. ) 15 USC 1681i ( a ) ( 5 ) ( A ) ( 1 ) Treatment of Inaccurate or Unverifiable Information 4. ) 15 USC 1681e ( b ) Accuracy of Report
Product: Credit reporting or other personal consumer reports

I applied for a home equity loan from a bank. Apparently they checked my credit with Equifax who shared it with multiple lenders across the country. I have received 10 calls this morning from lenders asking for information about me and my personal needs. What right does this credit reporting bureau have in sharing my information with anyone without my consent? I consider this a violation of my right to privacy. I can understand the purpose of inquiring about credit rating however I do not see why my application for a loan needs to be shared with anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : I have sent letters, verbally contacted them, and they still refuse to remove these inquiries off of my credit report. I did not authorize the following inquiries at all : XXXX XXXX, Transunion-XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( 2 times ). 

Other inquiries that are on there are valid and I do hold accounts with the other inquiries that are not named above. 

I have repeatedly asked for the above to be removed and they haven't.
Product: Vehicle loan or lease

WithGMFinancial,myduedatesareontheXXXXofthemonth.Iregularlypayovertheamountdue(amountdueis{$220.00},Iusuallypay{$250.00}).Inthepast,thishasresultedinlowerandlowermonthlyduesfrommyoverpayments.Lastmonth(XXXX),IwentonGMFinancial'swebsitetopaymybillontheXXXXasIalwaysdo.ThewebsitesaidthatIowed{$0.00}asoftheXXXX(Itriplecheckedthatiswasupdatedasoftheduedateandnotapreviousdate),soIassumedthatmyoverpaymentshadcaughtupandIlegitimatelyowednothingforthatmonth.IrecentlyreceivedanemailthatIhadbereportedasadelinquentaccount,whenthesitetoldmeIowednothing.Thiswasnotaproblemwithresponsibilityorfinancialstatus,butratherawebsitethatwasnotupdatedwhenitsaiditwas.IhaveneverbeenreportedasadelinquentaccountwithGMFinancialbefore,buttheyrefusedtoworkwithmeonthisissuewhenIfeelthattheywereinthewrongwiththeirwebsitebeingincorrectandnottellingmeaccurateinformation.Additionally,theyclaimthatmynumberisontheir"donotcall''list,andthatiswhyIwasnevergivenaheads-up-Ineverrequestedtonotbecalled(Iamsureofthis).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an item several times with Experian, they reportedly verify the item. My last letter I requested the method of verification that they used to verify the item I have received an electronic response today XX/XX/14 stating that the Item is Verified there was no direct answer to my inquiry as to how this item was verified.
Product: Credit card

XXXX. A payment agreement of 48 months in the amount of {$15.00} was entered on XX/XX/XXXX. 
XXXX. Payments were to begin on XX/XX/XXXX however Target charged off the account on XX/XX/XXXX and placed the account for collections with XXXX XXXX, XXXX. 
XXXX. Written dispute of any and all amounts in collections with the demand for an accurate accounting, zeroing the account due to the error and removing all negative credit reporting was received via certified mail by Target on XX/XX/XXXX. 
XXXX. By law, as per the Fair Credit Billing Act, there are several steps they must follow to resolve this matter within 90 days. 
a ) They must respond with 30 days stating they received the dispute and or if they have corrected the error. 
b ) Within 90 days, they must correct the error or explain why they believe there is none. 
c ) They can not try to collect the amount in question or report it as delinquent. 
d ) If a mistake has been made, the amount in question or any interest or fees related to the amount will not have to be paid. 
XXXX. On XX/XX/XXXX, Target sent a letter simply apologizing for the previous issues and stating they " tried contacting you by phone and left voicemails ( there are no voicemails ) to resolve this matter '' XXXX. As of this date, Target has failed to provide any documentation as it pertains to the above requirements. Additionally, they sent a statement for the full amount due and none of their departments are able to assist regarding the matter when advised to call by their client XXXX XXXX, XXXX or the numbers provided in their recent correspondences.
Product: Debt collection

Regions Bank XXXX {$1300.00} Regions Bank XXXX {$5900.00} These accounts are reporting inaccurate and is a result of identity theft Ive reached out to regions and spoken with XXXX ( XXXX XXXX ( XXXX ) - fraud monitoring department she stated that there was no opened account and will request to have items blocked and removed from all reporting credit agencies Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$700.00}
Product: Debt collection

I never heard from this company never email or mail or a phone. 
company name its wekafield & associates I on XX/XX/2020 now its on collection.
Product: Debt collection

I am filing this complaint against CU Recovery Inc. because of their lack of reply to my debt validation letter. Dating from XX/XX/XXXX to recently I have been trying to negotiate a settlement to payoff my debt with CU Recovery, originally from XXXX XXXX XXXX. After several attempts to do so, I began to worry that they were scamming me or that they were stalling progress in order to add fees to increase the original debt. On or about the week of XX/XX/XXXX, I contacted XXXX XXXX XXXX ( the original creditor ) to ask them to validate my debt, they refused to talk to me in XXXX attempts, instructing me to make all contacts with CU Recovery Inc. I was then in contact with the collection agency ( CU Recovery Inc. ) and sent the attached debt validation letter on XX/XX/XXXX via US Postal Service Certified Mail ( ATTACHED ). The collection agency received the letter on XX/XX/XXXX but has not responded to my request for original documents and have since stopped contacting me. 

I am concerned that CU Recovery Inc. is not a legal entity or that it is trying to stall the process to settled in order to hike fees and other interests, specially since they have not responded to my debt validation request claims and the amount they say I owe does not reflect the amount reported in my credit report by XXXX XXXX XXXX this month. 

According to the Fair Debt collection Practices Act ( FDCPA ( section 1692g ) and XXXX Administrative Code ( section XXXX ) the agency should verify my debt and send me the following, in writing, within XXXX days of receiving my letter ( it has been over XXXX days now ) : proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest and other charges and for all other charges, the date of and basis for each charge. Please help me obtain this information that is due to me by law from the collection agency.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUOPLICATE COMPLAINT. 
IT PROVIDES NEW REQUESTS AND DOCUMENTATION. 


To Whom it may Concern, XXXX continues to not report a third ( two have already been submitted ) positive account on my credit history despite attempts to get them to do so for over a year. This account is in good standing and has never been late and was always on time with no missed payments. 
This is hurting my credit rating and history dramatically. 
Affirm has also been contacted and asked to submit a correction to both XXXX and XXXX XXXX as XXXX is also not reporting it. ONLY XXXX is reporting the item. I have attached their report containing the file information as it should appear on both XXXX and XXXX. 
Ironically XXXX and XXXX XXXX both continues to report FRAUDULANT items on the report while not adding these valid positive items. 
I was a fraud victim and they have been notified dozens of times about the fraudulent item still in question, a XXXX XXXX account, that is not mine. They were provided a Law Enforcement ( XXXX XXXX report, as well as FTC, CFPB, XXXX  and additional supporting documents that validated the claims. 
These items should be blocked immediately, as I was also medically unable to make decisions for myself at the time, and can not be held legally liable for them as such. Both the fact I am legally disabled still from that accident and the XXXX supports that, and the XXXX report showing I was the victim of financial exploitation of a vulnerable adult bear the burden of proving this fact. 
Id ask this account listed from Affirm be added immediately to the report. 
The agency has all the information it needs to identify and contact the vendor to make sure this happens. 
I would also ask the other account from XXXX XXXX, and fraudulent inquiries from XXXX and XXXX XXXX XXXX on the XXXX report be removed immediately as I was denied housing due to too many hard inquiries and the fraudulent account. 
Following is the demographic information needed for the dispute process. 
My ID ( passport ) is attached My Utility ( XXXX  XXXX XXXX is attached XXXX  Payoff Letter attached Affirm account ( information provided by XXXX and then confirmed by phone with Affirm )
Product: Debt collection

ALDOUS AND ASSOCIATES has violated Federal Law committing fraud and defamation. This company alleged I owe a debt and is trying to collect this alleged debt by furnishing deceptive forms as pursuant to 15 USC 1692j ( a ) to coerce me I to paying this alleged debt owed. furthermore this company is not licensed, Authorized, or Registered to do business in Arizona. 
Proof annexed in attachment labeled as Exhibit " A ''. 
15 USC 6801 ( a ) by not providing me the opportunity to Opt Out of information sharing and the sharing of my non public personal information with non affiliated third party consumer reporting companies which has caused injury to my character, reputation, credit worthiness, credit standing, and my right to extend credit which is a violation of 15 USC 1681. Proof annexed in attachment labeled as Exhibit " B '' * Exhibit " A '' is a copy of the list of states ALDOUS AND ASSOCIATES is licensed/Registered to operate in which does NOT show Arizona * Exhibit " B ' is a copy of consumer report ( s ) in which ALDOUS AND ASSOCIATES has furnished this information on my consumer report
Product: Payday loan, title loan, or personal loan

I filled bankruptcy a few years ago and this company was apart of it. They refuse to clear this debt out of the national database. Even after talking with my attorney on several occasions. This has been years now and I need this matter resolve
Product: Money transfer, virtual currency, or money service

I GOT A CALL FROM A THIRD PARTY COMPANY ( AT THE TIME I WAS UNAWARE THAT IT WAS A THIRD PARTY ) SAYING THAT THEY COULD HELP ME GET LOAN FORGIVENESS FOR MY STUDENT LOANS. THEY CALLED AND THEY HAD ALL MY INFORMATION ALREADY, AND THEY ADVISED ME THAT I WAS APPROVED FOR A {$0.00} PAYMENT BUT I WOULD HAVE TO PAY A SERVICE CHARGE OF {$42.00}. SINCE THEN I HAVE BEEN ADVISED BY MY FEDERAL STUDENT LOANS THAT THEY DO NOT DEAL WITH THIRD PARTY COMPANIES, ALL THEIR SERVICES ARE FREE, AND I SHOULD NOT BEEN PAYING A SERVICE FEE. THEY SAID THEY HAVE NOT RECEIVED ANY MONEY FROM THIS THIRD PARTY THAT I HAVE BEEN PAYING MONEY TO FOR THE PAST TWO YEARS PLUS YEARS. XXXX XXXX XXXX IS THAT NAME OF THE THIRD PART COMPANY.