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

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed 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, on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by { CRA }. { CRA } has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card

Since XX/XX/2023 -- the following are the complaint that I filed with CFPB notifying American Express of the security fraud that they account on my principal account.

My application for your services are registered security which is an obligation of the United States. Which makes it cash and I am not receiving a valuable consideration for each security.

I believe I have given American Express adequate notification that the closure of my accounts is security fraud. American Express continued to ignore my notice of security fraud. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a call from a number stating that they wanted to hire me because I am looking for a job, they interviewed me and then they told me I had to get XXXX app to get me started since it was a remote job. They told me they would send me a check to by the apps I needed to do my job at home, and the check was mail to me and they asked me to do the transfers and the XXXX transfers and then I realized I didnt want to do this anymore because it was not to the same vendor and I fell uncofortable so I told him I didnt want the job anymore ; but the following day I received a text stating that the check had bounced and I was charged for the {$4500.00} I had made transfers for, I contacted my bank immediately explained I was scammed ; after 10 days the bank sent me a letter stating that they were not able to help me because I made the transfers which I explained to them that yes I had made does transfers but thinking I was hired by XXXX.
Product: Credit reporting or other personal consumer reports

My credit score with Transunion and XXXX XXXX also shows Transunion shows outdated scores. I have XXXX XXXX who I pay to monitor my credit and update old negative items and my score is XXXX for Transunion. But on the Transunion site and XXXX XXXX it shows my credit score not being up to date with still derogatory information that has been paid, settled, and no longer on my credit report. I need transunion and XXXX XXXX to update my credit score to XXXX on all models system they use for Transnion to calculstevmy score to match up. I am getting denied loans because of it.
Product: Credit reporting or other personal consumer reports

Experian is violating my rights to fair credit reporting.

15 U.S.C 1681 According to the fair credit reporting act they are supposed to report valid and accurate information on my credit report which they are not. Upon filing a complaint through the consumer financial protection bureau and the company responding stating that they have notified the credit bureaus to stop reporting this on my credit report Experian responded that they will keep this on my credit account. 
I am extremely upset with how fraudulently experian is handling my dispute request that I am now looking to take legal action against experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for XXXX  financing online. Recieved an inquiry.

Then 3 days later recieved another two inquiries that were not authorized.
Product: Credit reporting or other personal consumer reports

XXXX has refused to create inaccuracies on my credit report and will not supply the information I have been requesting to validate the acocunt. They are showing old account information that has aged off of my report as still valid and negative. They refuse to follow up by supplying me the information requested 6 times in the past 12 months. I have even attempted using an outside company to validate with them and they refuse to coomunicate.
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal with regards to selling, trading & reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, As well as XXXX Form of opt out notice to consumers ; opt out methods, with said company " XXXX '' I the consumer have given notice for XXXX to discontinue reporting & selling of my information to third partiesl ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, attempted to fill out a rental application as a co-pay for my granddaughter with XXXX XXXX XXXX, which, in turn, uses AppFolio, Inc for a Credit background check. My issue is with AppFolio 's data collection software : First, requires a full page of my Employer data -- I am XXXX and retired. I cheated that page by filling in with my XXXX XXXX XXXX. Then they asked for my SSN, I realize they can do this, but the company is not even affiliated with the XXXX, though they are listed on XXXX. The BIG Issue : In order to show income/assets, they ask me to provide Username an Password -- In this case, XXXX XXXX XXXX This would give them a significant amount of control over my Investment account with over XXXX XXXX  dollars in assets! IS This LEGAL? 

Obviously, I canceled the application. I tried to contact AppFolio Customer Relations twice, XXXX XXXX and XXXX, and only received a pro-forma program response " contact your rental agent to find a work-around ''. -- I had specifically asked for a phone call, but they would not comply. I realize this company does a great job for their rental agency customers, but rental payment customer? 

My background : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know " a little bit '' about credit scoring : - ). 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I woulld like to dispute the following inaccurate accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$2600.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no relationship with XXXX XXXX XXXX that is reporting on my credit report. It's been over 2 years and I still have zero information about this company, or any proof of this collection. If no one can provide me with any information, it needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second request ... ..I received a call from XXXX and follow up email stating it could take up to 60 days for this error to be corrected. I am requesting CFPB notify the major credit agencies Transunion, XXXX, XXXX, and XXXX who reduced my credit score from XXXX to XXXX in error. This error will have an effect on any major purchase I had planned in the month of XXXX. Hopefully, with your help this matter can be rectified asap.I will attach a letter from XXXX which does not state who they are going to notify and not a person to follow up with. 
Thank you again, XXXX XXXX
Product: Debt collection

This debt just appeared on my credit. Only information listed is a dollar amount and city of XXXX. there's no account number or any information that i could try to investigate the mater with. I was never notified of the debt by the original owner nor this collection company. The only date I have for this debt is XX/XX/2016. I have no knowledge of this debt, never receive notification from either concerning this debt, I would like legal verification of this debt such as my signature, the original bill with accurate information, and or contract. All correspondence should be sent via this website, and proof should be uploaded via this website. DO NOT ATTEMPT TO CONTACT ME VIA PHONE, EMAIL, OR ADDRESS. I would like for this debt to be removed from all credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX I purchased a XXXX XXXX XXXX  new and used XXXX XXXX XXXX as my lender. The lender and XXXX handled the process on the backend to ensure everything was set up properly. I was approved, paid my down deposit, and was good to go. I set up automatic recurring payments to my bank account to make sure I wouldn't miss a payment and created an account with XXXX XXXX XXXX to alert me if anything was amiss. In XXXX XXXX XXXX, one of my car payments bounced back. I was never alerted or contacted by XXXX XXXX of this missed payment. No email, no phone calls, and no letters. In XXXX XXXX XXXX, I got an alert that my credit report was hit with a delinquent report with XXXX XXXX. I immediately contacted XXXX XXXX and was told that I had missed a payment and they tried to call me but got no answer. I immediately paid in full the amount that I owed. As it turns out, they had the XXXX number for XXXX on my file. I asked if they emailed or sent mail to me which they replied " we took every effort to contact you. '' When I checked my email, they never sent me a single email or letter even though both of those were correct on my file. I contacted their financial department to dispute this case. I included all of the above information and I got a reply from them 30 days later saying that they found nothing wrong and we're not going to change their decision. This is an outrageous abuse of my credit history and XXXX XXXX XXXX should do better.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/ VCTRSSEC XXXX XXXX XXXX XXXX XXXX Ohio XXXX Company states I made a late payment in XX/XX/2022. 
Personally this card was opened to purchase product for my spouse. We havent made any purchases. I have card in my possession and I have NOT lended card out. There was no balance at the time. 

This late payment should be removed because it is inaccurate. I have personally disputed claim multiple occasions on credit karma. 

In accordance with the Fair Credit Reporting Act, Comenity Bank / XXXX has violated my rights. 

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with DIVERSIFIED ADJUSTMENT SERVICE. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). DIVERSIFIED ADJUSTMENT SERVICE can not and will not ever produce a contract between me XXXX XXXX, XXXX and DIVERSIFIED ADJUSTMENT SERVICE because that contract does not exist.
Product: Credit card or prepaid card

The American Express XXXX XXXX XXXX card used to allow cardholders to " cash out '' Amex Membership Reward points into a linked XXXX brokerage account for XXXX cents per point. 

At some point, the cash out value was reduced to XXXX cents per point. This change was made at the same time that other changes to the XXXX card benefits, along with an annual fee increase. 

I received no notice or disclosure that the value per point was changing, as Amex only gave me notice of the changes that applied to ALL Platinum cards, rather than changes to my specific Amex card, which had other benefits.
Product: Credit card or prepaid card

I had disputed this charge twice now for a rental car that did not deliver service and I still have not received my money back I've tried twice now and did reconsiderations to be denied I need this money back because this service was not rendered
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the " Fair Credit Reporting Act '', the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 states that I have a right to privacy.

15 USC 1681b ( a ) 694 ( a ) ( 2 ) states that a reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( c ) ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information other than records of convictions of crimes not debt which anti-dates any reports by more than 7 years.

15 USC 1681s ( 2 ) ( a ) ( 1 ) states that a person may not furnish any information relating to a consumer to a consumer reporting agency if the person knows or had reason to believe that the information is inaccurate. ( Attached credit items have been reported incorrectly. Please delete these accounts properly. Thank you )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This law grants consumers the right to dispute inaccurate information in their credit reports and requires credit reporting agencies to conduct a reasonable investigation. 

Due to the recent data breach at XXXX, I am particularly concerned about the accuracy of my credit report. Recently, XXXX announced that its systems had been breached, exposing the sensitive personal data of XXXX XXXX Americans. This breach included names, home addresses, phone numbers, dates of birth, Social Security numbers, and driver 's license numbers. Additionally, the credit card numbers of approximately XXXX consumers were compromised. Given the unprecedented scope and severity of this incident, it is crucial that my credit report reflects accurate information. 

I previously attempted to resolve this issue, but it remains unaddressed. I request that you investigate the following accounts listed on my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I believe that this information may be inaccurate due to the data breach and request that it be deleted from my credit report if it can not be verified as accurate. Please provide me with a copy of your findings and any documentation regarding your investigation. 

As a consumer, I have the right to dispute any inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the statutory 30-day period.
Product: Credit card or prepaid card

I have had fraud on my Avant credit card XXXX, issued by XXXX at the beginning of XXXX and most recently my car was broken into and card stolen, I have received letters from a XXXX name XXXX at extension XXXX who states that she was reaching out but not able to contact me. She sends letter saying she tried to call me, but this is not true. They have not called me, I even returned calls and always get voicemail, I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action. XXXX has lied saying she has tried to call me and she has not. I will be happy to provide my phone report showing calls in and out. You will see my repeated calls to her and no reply!! They gave credit and emailed me saying stating the credit totaling {$1500.00} that was posted to your account on XX/XX/2022, was considered final and would be closing your file '', then they took that credit back even after saying it was approved and final after initially saying it was final and my case was closed and I wasn't being held responsible, now because my car was broken into they are taking back the credit they originally gave me and said was final. They are also denying the new claim, corrected police was emailed to them on XX/XX/2022 to XXXX and I asked to confirm receipt of my email and they never replied or confirmed. I emailed again and included the avant claims email address, customer service email and support emails, asking for same, funny enough customer service and support confirmed receipt of the information but not the avant claims email. Not XXXX my emails were rejected or returned so I know my emails went through. I have all emails and correspondence for proof as well
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX are allowing the creditors listed below to fraudulenty report negative items on my credit report. I've sent several letters to each bureau and the collection agency to verify the debt and remove the accounts and they have all failed to remove the following information from my credit report. My last letter was sent in XXXX. 

The following accounts are still being reported on my credit report and they should be removed. 

Creditor Name : XXXX XXXX XXXX, Balance : {$840.00} Account number : XXXX. Date opened : XX/XX/XXXX Creditor Name XXXX XXXX XXXXXXXX XXXX, Balance : XXXX, Account Number : XXXX Date opened : XX/XX/XXXX Creditor name : XXXX XXXX XXXX XXXX, Balance : XXXX, Account number : XXXX, Date opened : XX/XX/XXXX Creditor name : SYNCB/CARE CREDIT, Account Number : XXXX, Date opened : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.Accounts : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} TransUnion XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00}