23daVinci/CFPB_Complaints huggingface dataset:
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. 

Accounts : 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  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, credit repair services, or other personal consumer reports

Back in XXXX, XXXX XXXX of XXXX approved a XXXX. As it was NOT a loan, it was never paid back, and XXXX had never entered this on my credit. At the beginning of XXXX, 14 years after it had been given to me, XXXX put it as a past due loan on my credit reports. 
Even if this was a loan and not a XXXX as I contend, the statute of limitations has long run its course and can not be put on my report. 
I complained to one of the XXXX, XXXX  XXXX, and he did nothing. ( XXXX fled the school after a negative XXXX  XXXX article about him ).
Product: Debt collection

This company calls me every single day and harasses me at work. I have tried to fix my account with them, but they are very nasty and rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft and Experian has not been given the protection and service that is required by law for someone who is a victim of Identity Theft once they provide a completed FTC Identity Theft report and valid proof of their identity. 

I have made numerous attempts both over the phone AND in writing to get them to BLOCK fraudulent information ( see the attached for details of the accounts I am referencing ) discovered on my report and all I have received back from them is bogus responses saying that the companies CERTIFIED to them that the information is true and correct. First, they did NOT immediately block the information which they are required to do by law as long as they receive a true copy of the FTC report and valid identification. Second, they sent me a response letter saying that the companies CERTIFIED to them that the information was correct. By law they are supposed to VALIDATE by retrieving and providing ME with a valid contract with my signature on it. They have refused to follow the law and it has hurt both me and my family tremendously by not allowing us the opportunities to rebuild our credit due to these fraudulent accounts keeping my credit score down in the dumps. 

Experian has been horrific with their customer service and their willingness to follow the law, and it HAS TO STOP. I am doing everything I am required to do by law and all I am asking in return is that Experian do the same by BLOCKING the fraudulent accounts which BY THE WAY both XXXX AND XXXX did without hesitation once I notified them because they KNOW and FOLLOW the LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions. Creditor is reporting different info to all credit companies XXXX, XXXX, and Exquifax The following Account Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, is reporting fraudulent inquiries to which I received no benefit from.
Product: Debt collection

The accounts on my credit report were open online by another individual. I have been contacting the companies over the last pass years to be removed and not one is listening. I decided that I was ready to purchase a home and the bank representee was the one to give me the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services ( CCS ) is still reporting a collection owed on my credit reports even though they agreed to delete the account fully in return for a 50 % settlement. On XX/XX/2020 CCS received a certified letter including a settlement letter and check. The letter stated that in return for a settlement, CCS will delete the account fully from my credit reports. A few days later the check was cashed. They have since reported the account as paid in full, but failed to comply with the settlement agreement as stated. The account is still appearing on my credit reports where it should have been removed fully as per the agreement. I've contacted CCS about this and they have told me the account is closed and they do not do deletions. they are dishonoring their agreement. I have reviewed my credit reports today XX/XX/2020 and the account is still appearing on my credit reports.
Product: Vehicle loan or lease

I applied for an auto XXXX  through USAA. And was told that I was not approved when asked for the reason why I was told they were not able to tell me as they are not credit adverser. When asking to speak to someone higher to settle this claim but was told they will get back to me at a XXXX  time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tired to dispute a car loan that was opened/co-signed in my name by a former spouse. During the time the loan was opened I was XXXX  so there is no way I can possibly have opened the loan. I have documents to prove that as well and will add those to my compliant. I have tired 3 times now and can not seem to get them to remove it. The documents will show I was in XXXX  on XX/XX/2016. I had trial XX/XX/2016 and my XXXX was XXXX XXXX which would make no sense as to how I would be able to get a car loan
Product: Student loan

I have submitted my XXXX application for multiple qualifying employers. 
My first PSLF application was submitted on XX/XX/XXXX and is shown it was processed. My XXXX employers were approved starting with date XXXX. However, the problem I have identified is that there are several years of dates that are missing from my tracker/qualifying accounts. My tracker only shows XXXX of XXXX qualifying. Upon reviewing my qualifying payments the following months/years are missing : XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. I called and filed for a review to look into this XXXX XX/XX/XXXX and nothing happened. 
In addition to the qualifying tracking issue, I called to check on the status of my XXXX  application for my current employer as a government employee at XXXX XXXX XXXX XXXX XXXX ( XXXX ) that was submitted on XX/XX/XXXX. I was told this XXXX application was denied and they did not know why initially. So when I questioned the representative she stated let me look into the application. The rep then stated because no XXXX was included. I informed the rep that was not accurate the XXXX was included the same day by XXXX of XXXX XXXX when I called. I initially submitted the PSLF application for XXXX without the XXXX because I did not have it ; however, I found it the same day of submission and contacted Mohela. Which it shows on my Mohela account that the Mohela rep did in fact add the XXXX on XX/XX/XXXX. So once I said that, the rep then says she see it and it takes 90 days to process. I said well XXXX 90 days is over if I submitted on XX/XX/XXXX. The rep stated the application was just processed on XX/XX/XXXX and that they have another 90 days to update their error. Which I think that is inaccurate. I asked to speak with XXXX and was told she was transferring me to management. Well I was transferred to what must have been an imaginary queue because I was on hold for well over an hour and half and management never answered. 
I believe I qualify for loan forgiveness as I have been employed with public service employers my entire adult life and since XXXX as my first XXXX was approved for. Mohela does not have a clear process on how they properly will review inaccuracies identified for their clients and this is wrong. 

It may also note that XXXX XXXX has my maiden last name XXXX. My current name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX Experian 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of XXXX XXXX.

I am a XXXX XXXX XXXX and have submitted all required documentation to Experian, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on XXXX separate occasions, Experian has refused to block the items in my credit report that are directly linked to XXXX XXXX. 

Experian has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute XXXX times, preventing me from exercising my rights as a victim of XXXX XXXX 

I urge the Consumer Financial Protection Bureau to investigate Experian 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Experian to block the adverse items in my credit report that are the result of XXXX XXXX, in accordance with the Final Rule.

I kindly request that this case not be closed until Experian has taken the necessary steps to remove the items in question from my credit report.

Thank you for your attention to this matter. I look forward to your prompt action and resolution. 

Sincerely, XXXX XXXX XXXX ( Please only respond with email or phone call ) XXXX, XXXX
Product: Debt collection

This letter is in response to your recent claim regarding account #, XXXX which you claim that I owe MIDLAND FUNDING LLC, {$2200.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ; MIDLAND FUNDING LLC. My reason for disputing is : I do not nor have I have entered into a contract with MIDLAND FUNDING LLC nor have I ever signed any documents stating I would pay MIDLAND FUNDING LLC. 

This is NOT a request for " verification '' or statements for the original company, or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above-named Title and Section. 

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, Midland Funding. 

Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe, MIDLAND FUNDING LLC. 
Provide me with copies of any papers that show I agreed to pay you ; Midland Funding LLC, what you say I owe. 
Identify the original creditor with name and address. 
Prove the Statute of Limitations has not expired on this account. 
Provide me with validation that MIDLAND FUNDING LLC is bonded to legally conduct debt collection in the State of Texas and provide me with the name of your bonding company and your license numbers. 

Now, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character STOP THE HARRASSING PHONE CALLS! I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. Do not call my relatives or my friends. If your offices attempt telephone communication with me, including but not limited to computer generated calls, or calls to third parties, it will be considered harassment and I will have no choice but to file a counter suit. 

All future communications with me MUST be done in writing and sent to the address noted in this letter through the USPS. 

It would be advisable that you and your client assure that your records are in order. This is an attempt to correct your records. Any information obtained may be used for that purpose. 

Regards, XXXX XXXX cc Federal Trade Commission CC Better Business Bureau
Product: Debt collection

ACCOUNT NUMBER : ( Original Creditor : ) ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX  ACCOUNT NAME : XXXX ACCOUNT NUMBER : NATLCRSYS ACCOUNT NAME : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I did not request this loan nor did I receive any funds from this loan. It was taken out fraudulently. I attempted to contact the company by phone, but there is a voicemail that tells you to send an email. I sent 2 emails 2 months ago and I still have not received a response. I have no information on the loan : no account number, no bank account information, the name on the loan or any information. The only information that I have is what appears on the credit report which is the name of the company and the amount of the loan. It indicates that there was a {$250.00} loan taken out on XX/XX/year>. 

I disputed the item with both XXXX and XXXX indicated that it was fraud or an account that I am unaware of. The results of the dispute came back within a couple of days indicating that the account is valid. There was no account information provided to me and still no contact information with a human from the company. 

The loan was taken out fraudulently and I feel like I can't get any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX/seedfi several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. XXXXseedfi received a tax deduction for this charged off XXXX but i never received my 1099c form this is tax fraud XXXX/seedfi has committed. this account is inaccurately being reported to all three of my consumer reports. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by XXXX seedfi
Product: Credit reporting or other personal consumer reports

I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was taken of my credit report 2 different times and it shows up with different companies now
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I was reported by my mortgage as being 30 days late on my monthly. Payment which incorrect. I contacted the the company and reported this inaccuracy and was unsuccessful in this being corrected. I've been paying on this mortgage for XXXX months never late that in itself should speak volumes to my character. I have great credit and this has impacted in a negative.
Product: Debt collection

Not liable for XXXX debt. I do not have a contract or ever done business with Credit Control , LLC and need them to provide any original contract that they have with my wet signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Initial Complaint Against TransUnion for Reporting Fraudulent Account and Failure to Address Identity Theft To Whom It May Concern, I am filing this complaint against TransUnion for their failure to properly safeguard my nonpublic personal information and for their inaccurate reporting of a fraudulent account that was opened without my authorization. 

Details of the Issue FTC Identity Theft Report Reference Number : XXXX Related CFPB Complaints : XXXX, XXXX, XXXX, XXXX Fraudulent Account Details : Creditor : XXXX XXXX Account Open Date : XX/XX/year> Amount in Dispute : {$1200.00} On or about XX/XX/year>, XXXXXXXX XXXX  opened an account using my personal information without my consent. I did not apply for, authorize, or benefit from this account in any way. This is a clear case of identity theft, which I have documented with an FTC Identity Theft Report ( Reference # XXXX ). 

I have not yet received any response from TransUnion because I am initiating my first dispute regarding this matter. However, based on my previous complaints against XXXX XXXX and related parties, I anticipate pushback or lack of action unless this issue is formally escalated through the CFPB. 


Regulatory Concerns TransUnions continued reporting of this fraudulent account would violate my consumer rights under : 15 U.S.C. 1681i ( Fair Credit Reporting Act - FCRA ) My right to dispute inaccurate information and have it properly investigated.

15 U.S.C. 1681c-2 ( FCRA ) My right to block identity theft-related information from appearing on my credit file.

15 U.S.C. 6801 & 6802 ( XXXX XXXX ) TransUnions responsibility to prevent unauthorized use of my personal financial information.
Product: Checking or savings account

This is my second complaint against Bank Of America. 
I had enough money in my account to pay my mortgage which was scheduled for the automatic draft, and so when my mortgage company got paid on XX/XX/2018, they then went back and took it back from my mortgage company on XX/XX/2018, electrically telling me it was for lack of funds. I had more than enough money in my account to pay my bills. And it was their job to pay my mortgage. Now I have a hardship, and if I don't pay it by XX/XX/2018, than I will be considered late, and that will go on my record, and if it is not paid by the end of the month, it will be reported to the credit bureau. They never told me they did not pay it, but they informed my mortgage company that they were taking back the funds I had paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is climbing I owe them money that I do not owe them I never opened up or used or applied for a XXXX XXXX credit card or account I did not buy anything from XXXX I have reported this to them numerous times they have yet to take it off my credit report or resolve it I am in the process of hiring a lawyer and also getting a lie detector test to prove that this debt is not mine once I prove this I will take it to court and get XXXX XXXX to pay my court cost and the cost for my lie detector test this is the only way I know to do get them to take this off my credit report and resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and again on XX/XX/XXXX all 3 Credit Agencies are refusing to provide me a paper copy of my credit report. All 3 agencies have been notified by me personally that I want my free credit report so I can have false information permanently removed. 
Credit attorneys in XXXX and the entire state of Indiana have refused to assist me even after I have filed complaints with the State Attorney General and the XXXX  XXXX XXXX. I am being forced as a single dad of a special needs son to suffer and try and hire an attorney from Florida because no one in this country does their job properly.