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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX I had a trade in which was my Jeep financed with XXXX XXXX. The Dealership signed a Title Transfer, Power of Attorney, Bill of Sale and etc for the XXXX. 

A couple months later while I am at military training in the middle of the desert with XXXX reception in some places at XXXX XXXX XXXX XXXX XXXX XXXX training for upcoming XXXX, I got a notification that I am past due on payments for the XXXX. THE DEALERSHIP TOLD ME they were in charge of sending the full pay out amount to dealership to pay off the remaining of the load. Turns out that they either screwed me over or they lost the payment multiple times that was mailed to XXXX XXXX. 

After multiple attempts to contact dealership and XXXX XXXX about payment I kept getting the circled around. 3-4 months later payment is received from dealership to XXXX XXXX XXXX This is out of my control and I tried everything I can in my power. You are telling me that after an exceptional payment history on the XXXX loan from XXXX XXXX, I all of a sudden decide to not pay for the loan and screw up my credit?! Note that I am traveling back and forth for XXXX  XXXX  and trying to get this resolved. 

Filed multiple disputes and explaining how is this my fault? Everything out of my control, getting circled around from dealership to XXXX XXXX. The dealership really screwed me over and I do not know what to do about it, but one thing is certain that I would not miss a payment to screw up my credit on purpose. 

Now here I am XXXX XXXX XXXX since mid XXXX still trying to get this disputed and taken away from my credit report. Tried contacting XXXX XXXX and my account does not show up in there system as it is CLOSED. I call and enter my social and I keep getting the account not on file and etc. I tried filing a dispute and get the same result of it remaining on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federally protected consumer rights have been violated. See attachment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.
Product: Credit card or prepaid card

I applied for a credit card at BOA and was denied an unsecured card. So once the denial letter came in the mail I applied for a {$300.00} secured card in the mail. However, my biological mother and grandmother had an checking account opened at BOA in my name that I was unaware of in XXXX. I was then sent a letter with a pin number selected for me and that the card would come in a separate letter. The card never came in the mail. I also never received the card ending in XXXX. I reported card lost or stolen. Then I was sent a new card with a new account number ending in XXXX. This card was then detected for possible fraud after an XXXX XXXX XXXX installations with XXXX when my step father XXXX   box got installed in my apartment and registered to my name and new cable account since I had used that credit card to open the account on XX/XX/XXXX. This uverse account was immediately compromised and multiple people had added themselves to this cable account that was used to get access to different bank accounts. After I closed cable service in XX/XX/XXXX with XXXX those cable boxes in my name somehow went into circulation and these individuals keep access my bank accounts this way to transfer money. BOA then told me because they detected fraud on my card in XXXX they closed the account and opened a new account ending in XXXX and mailed me a new card. I later received second hand information that the first two accounts mentioned where still active and different individuals were using XXXX to make purchases to embezzle money out of the accounts that I though were closed to get access to a trust that I was unaware of that I had. I closed the account ending in XXXX once I paid off balance. The last statement I received was in XX/XX/XXXX. I had also used this card as a bill and proof of residence when I applied for XXXX XXXX Assistance to cover a doctor visit at the hospital. However, I order to apply for this assistance it states that you give XXXX permission to hold any settlement money due to you to cover your doctor bills if you should be expecting a money in the near future. This card was then fraudulently kept on file to get access to bank account and multiple medical professionals created fraudulent records and documents to bill out for medical treatment I was never there for nor had I consented to the treatments. The XXXX FBI noticed this fraud in the account and billing at XXXX XXXX XXXX. Again all of these above accounts should be closed. These accounts are tied to an XXXX report with ATT # XXXX and FCC # XXXX. It also affected my bank account at XXXX. XXXX CFPB # XXXX for XXXX. The other telecommunication companies that I have been affected with these accounts are also listed below for reference : FCC XXXX Squad # XXXX XXXX Geek Squad # XXXX FCC XXXX XXXX # XXXX FCC XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX FCC XXXX # XXXX XXXX XXXX # XXXX FCC Metro PCS # XXXX XXXX XXXX XXXX # XXXX
Product: Credit card

From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. 
Macy 's - never late Bloomingdales- not late was late in the past, and this came off my records Wayfair - never late Home Depot - never late Best Buy - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.
Product: Money transfer, virtual currency, or money service

I purchased an item and paid for the item through Cash App. The item purchased turned out to be a fake. I reached out to the vender who then ignored my responses. I filed a police report. I then reached out to Cash App to have them reverse the payment but instead was told there was nothing they could do but request the funds back. This is a terrible response to someone who has been scammed. I lost {$220.00} because Cash App continues to allow its users to use its services to continue illegal behavior. The web receipt on the Cash App provides this identifier : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and are not related to any transaction by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally dispute several hard inquiries listed on my credit report, which I believe, were made without my consent, and in violation of the fair credit reporting act, FCRA 15 U.S.C 1681b As per my understanding of the FCRA, hard inquiries can only be made if they are related to a permissible purpose, such as the extension of credit or employment purposes. I never authorized the entities listed below to access my credit report, nor did I apply for any credit or services from them.

As these inquiries were not made with my consent, and are not related to any extension of credit, I request that you remove these unauthorized inquiries from my credit report immediately. Additionally, I kindly asked that you provide me with the documentation, confirming the removal of these hard inquiries.

By law, you have 30 days to investigate my dispute and provide a response. If you are unable to validate these inquiries as legitimate, I expect their prompt removal from my credit report.
Product: Debt collection

This is Pertaining to XXXX XXXX XXXX - THROUGH ITS ATTORNEY, XXXX, XXXX XXXX XXXX, XXXX For - Best Eggs I WAS XXXX. 
Last Payment on my account was XXXX 
Amount due is {$4600.00} Principal - {$4200.00} Annual Percentage Rate - 29.91 % Finance Charge - {$3700.00} Settlement with my consolidation company was round {$1900.00} Total Payment due - {$10000.00} Summons was served NOT TO ME, It was served to my XXXX XXXX XXXX mother with XXXX after harassing her. 
I was never Served. I was out of the country. I have proof. 


MY STORY While consolidating my bills in XXXX XXXX On my credit report I saw XXXX. I called the phone number provided. I was told, this bill came from Best egg. I asked for all signed documents to be E-Mail or Mail to me. XXXX WAS NOT ABLE TO PROVIDE ANY DOCUMENTS. I Asked for Best egg phone number. I called Best egg, They were unable to provided me with any information. They informed me it was with XXXX and I have to contact XXXX. I Called back XXXX and explained. All I needed was proof. They were not able to provide me any Proof. What I was told, I need to pay this bill. I, AS A PERSON I DONT WANT TO PAY A BILL I HAVE NO RECOLLECTION OF. I called VARIOUS times, I got the same answers. I was stuck on eating a bill I have no recollection off. I went to MY XXXX AND CONTESTED - SAYING I HAVE NO RECOLLECTION OF THIS BILL. 
I called my Consolidation Company an removed it from my Consolidation. The settlement was round XXXX at that time with my Consolidation Company. 
ONE WEEK later after I removed it from my Consolidation Company a summon was served to my XXXX XXXX  mother with XXXX on XXXX  IT WAS NOT SERVED TO ME. I was XXXX. Never got proof, Never got any Collection Notice, Never got got a bill, Never got a Late Bill. Never got served. 
I was XXXX. 
According to - XXXXt The statue of Limitation on most death in New York is 3 Years from date of last activity on an account to Sue someone for a debt.
Product: Vehicle loan or lease

I had a loan with another company. The company sold the loan innovative. Innovate forced me to pay the loan every two weeks on my pay day. They never allowed me to pay monthly and they charged me the highest interest rate. My credit score was XXXX and I didn't understand why. I was able to refinance the car for only 5 % I've been trying to get the title released and the representatives took over 2 months. The bank has called and my wife. I've even sent in a payment because of the long process. One of the representatives at innovate agreed that it appears that they are trying to keep the loan. I almost lost the approval. Innovate said they would not damage my credit. Which they did damage my credit. It is still showing on my credit report that this account needs attention and it's open negative.
Product: Money transfer, virtual currency, or money service

On Monday, XXXX I initiated the transfer of my stocks from Robinhood ( RH ) to XXXX XXXX. I had {$1000.00} of buying power ( Credit ) left on my Account. 

On XXXX, I noticed that my stocks had moved from RH to XXXX XXXX and that the balance of my buying power was now at {$830.00} When RH notified me that they received my request, they confirmed that I would be charged {$75.00} ; however it appears that an additional {$86.00} was deducted from my balance. 

When I tried to withdraw my money from RH back to my bank, I got an error message stating that there is an issue and that I could not withdraw my money. 

I have tried reaching out to RH for a 2nd time via email because they do not have a telephone number listed and got a response stating : Your request to withdraw {$830.00} on Friday, XX/XX/XXXX, XXXX XX/XX/XXXXfrom Robinhood to your Preferred Checking account ending in XXXX has failed. 
Theres a restriction on your account, and you arent able to make withdrawals from Robinhood right nowthis can sometimes happen when a deposit to Robinhood was reversed by your bank. 

I have checked with my bank and there are no issues nor has anything been reversed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered multiple inaccuracies that need immediate attention and correction. Specifically, I identified issues with several accounts and hard inquiries, which I believe are being reported incorrectly or without proper validation. 

XXXX : This account shows late payments that are inaccurate. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. I am requesting this account be updated to " paid as agreed/never late. '' XXXX : I have requested validation under 15 U.S.C. 1692g. If validation or proof of this debt isn't provided, it must be removed, as supported by XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, XXXX, XXXX, XXXX XXXX : Similarly, I have asked for validation of these debts. If the original application, contracts, or other proof can not be provided, these accounts must be removed from my credit report. 

Unauthorized Hard Inquiries : There are several inquiries listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were made without my consent. These are violations of 15 U.S.C. 1681b ( a ) ( 2 ), which governs permissible purposes for accessing a consumer 's credit report. 

Incorrect Address : My credit report lists an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is inaccurate and must be corrected. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, the credit reporting agencies have 30 days to investigate and correct these inaccuracies. Their legal obligation includes conducting a thorough and reasonable investigation, as emphasized in cases like XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX Failure to comply can result in liability under 15 U.S.C. 1681n and 1681o, covering damages for willful or negligent non-compliance. 

Ive formally requested that Experian investigate and correct these errors promptly. If not resolved within the legally mandated timeframe, I am prepared to escalate the matter by filing complaints with the CFPB and FTC or pursuing legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have the credit bureaus investigate these accounts below from my credit report that are reporting inaccurately and that does not belong to me, if it belongs to me please send in proof beyond following the guidelines in the dispute letter below so me and the CFPB can see exactly which company is reporting these items to you that doesn't have my consent to share my data.
Product: Credit reporting, credit repair services, or other personal consumer reports

After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.
Product: Student loan

I have multiple lateness/missed payments on my credit report due to ECMC not properly contacting me to inform me when payments were due. I never received any statements in regards to my loan. It was also a period in time when my loan was deferred so there should not be any late/ missed payments that is being reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHYS XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/2020, I reviewed my credit reports. I saw a negative reporting from FAIR COLLECTIONS AND OUT located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX. I have never received notification from this company pertaining to debt. I do not owe them any money nor have they validated this debt.
Product: Debt collection

Someone opened an account in my name on XX/XX/year> for {$690.00}. with Sunrise Credit Service. I've never even heard of this company, let alone been into there place of business. I've had to lock my credit accounts because of this. I tried to dispute it, but they keeping right on calling " stating I responsible for this account, which as I stated above I never opened up in the first place. The account number in question is XXXX
Product: Debt collection

I was threatened to be sued. I was mistreated and harassed with several phone calls. Theyve been stalking me on social media sites. And they are attempting to collect a debt in a state other than where I signed for the original loan.
Product: Debt collection

sallie mae calls my home about my sons student loans. he was XXXX old when he got the loan i did not cosign or have anything to do with him taking out the loan.XXXX does not live with me nor has he for 6 yrs but they continue to call me 1 to 2 times per week even though i have told them these facts.
Product: Debt collection

From XX/XX/XXXX - XX/XX/XXXX someone I dont know used my identity with my name and social security to open a new account with a XXXX resulting in my account going in collections owing {$550.00}. I never knew till recently I went on all my 3 credit reports to check my credit score and see XXXX on my report. I have never opened a XXXX bill in my life so I definitely knew this was identify theft.
Product: Debt collection

I began my dispute with Berman and Rabin pA in XX/XX/year> ( email communications attached ) I repeatedly spoke to them and requested full validation of this debt to include a transaction history for the last 6 months and proof that my security deposit was credited to this amount owed in the amount of XXXX as I never received those funds back from XXXX company. They never supplied anything proof of my communications will be attached. The last email I sent was for them to provide the request information or I file a complaint so they transfer it to XXXX debt XXXX who immediately slapped it on my credit with not providing the time to dispute which is against the law.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute of addresses and phone numbers not associated with me.