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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof for inaccurate, incomplete, fraudulent information or information can not be verified, in fact therefore exists.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Payday loan, title loan, personal loan, or advance loan

Un expected fee that I don't remember i suppose.to.get on the money in borrowed
Product: Credit reporting

Bureau reporting inaccurate information on my credit file regarding my personal information and accounts that do n't even belong to me. I would like the bureaus to address these issues and remove all fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Dae of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, Mortgage loan account, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Product: Credit card

My credit line was reduced back and the totally eliminated in late XXXX of XXXX because AFFIRM claim that I had a credit freeze on XXXX. I lifted the credit freeze byt they still claim is showing up. They also allege my personal information on XXXX does not match what they have on file. I did verify with XXXX and was able to clean up old information and altercations of my name. I checked my credit report with XXXX on XX/XX/XXXX and all the information is correct. 
However, AFFIRM continues to allege that there is a credit freeze and that the information that they have on file does not match XXXX. 
In addition, they will not share whatever information they do have with me. I continue to get emails from them to verify my account and now they are saying they cant find it. This has happen several times with different agents when I have called in. Today I received an email stating the same thing. 

I also have an open account with them that I am making payments on and with the correct information. This loan was given to me back in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX. ) XXXX  XXXX  XXXX. ) XXXX XXXX XXXX. ) XXXX  XXXX XXXX. ) XXXX  XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX  XXXX. ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fig Loans Ince account ending in XXXX is reporting XXXX  days late every single month, however I have a payment arrangement with this company and have made all payments on time. The payment amounts that I have made to this account are also reporting inaccurately on my report. They have also included comments on the report stating XXXX  days past due. Since the date of the start of the payment arrangement, this account has been paid on time, however each month it is being reported XXXX  - XXXX  days late every single month. It goes from XXXX  to XXXX  to XXXX, back to XXXX  then repeats the cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a XXXX dollar balance due. This false reporting of lates is seriously harming my credit and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bill from XXXX XXXX XXXX from XX/XX/XXXX, for {$100.00}, I did not pay it and on XXXX, XXXX, XXXX Derogatory account Reported by XXXX XXXX thrue XXXX. 
Later this year I received multiple phone calls from random numbers about my debt {$100.00} to XXXX XXXX XXXX. That people knew my name and my old address, they even didn't have a legal way to know my current address. But, anyway, I explain them I already have a derogatory account and minus credit scores on my history. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX Account balance {$100.00}. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. 
On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. 
So I have now FOUR Derogatory accounts not related to my history, because I already had one on XXXX, XXXX. 
Can you please stop that people from reporting Derogatory accounts on me every Wednesday? I am not sure now, if they are going to stop or keep doing this. Can you please remove all Derogatory accounts with a balance of {$100.00}, came after original, dated XXXX, XXXX, XXXX? Please, stop them, I feel unprotected, I am not guilty in what they trying to apply on me. Please, please, please!
Product: Credit reporting or other personal consumer reports

on XXXX. My account was transferred from XXXX XXXX to XXXX XXXX XXXX XXXX. When this happened, My account was listed as CLOSED with all credit reporting agencies, XXXX XXXX, Equifax, and XXXX. On XX/XX/XXXX, My account was added back to Equifax. In XXXX of XXXX, my account was added back to XXXX. As of Today XXXX. 14 months later, My account is still not on my XXXX XXXX credit report as an Open account. It is still CLOSED. I have made ALL payments on Time. I have contacted the credit union directly multiple times. Evidently the employees I have spoke to Do not clearly understand what they need to do to fix my credit report. It is not the reporting agencies that have the issue, it is XXXX XXXX XXXX XXXX XXXX XXXX that has the issue with reporting my account correctly. I recently checked my Equifax report and saw that the balance on my account had not been updated since XX/XX/XXXX. I sent a dispute through Equifax on XXXX for the balance to be updated. On XXXX I received notice that the account was Closed. The account is still Open with a balance. 
Currently only my XXXX report is correct. 
The last time all of my reports were correct was XXXX
Product: Mortgage

Suntrust didn't pay my property taxes at the end of the 2020. I have tried to get them to pay taxes and penalties accrued to XXXX XXXX, but they still haven't paid the taxes and I am receiving notices from the city that they are planning to sell the property to get the tax. I have called Suntrust several times, has spend more than 10 hours waiting for their representatives, but the problem is not solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This are all fraud inquiries I have not given any of these creditors permission to pull or access my credit under FCRA by these being fraud and the creditors reporting them they need to be removed immediately : I am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for XXXX, Experian and XXXX XXXX. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information XXXX, Experian and XXXX XXXX is reporting the information and need to correct the information. 

Experian : XXXX XXXX XXXXXXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 168b Permissible purposes of my consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681. According to statue 1681A 2a1 of the fair credit reporting act, they are to exclude my transactions. This account ( s ) are in clear violation of my consumer rights by including these transactions. My payments are considered transactions. This is a defamation to my character.

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Law 15 USC 1666B states : 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: Mortgage

On XXXX I requested a reinstatement letter. XXXX I called because I had XXXX dollars of XXXX but would not have the full amount by the due date of XXXX. They accepted a payment of XXXX XXXX dollars over the phone. I then had to ask for a new reinstatement letter which I received and it showed XXXX. The payment of XXXX was sent. I received a phone call stating my payment of XXXX over the phone was no good. I then had to wait until they returned my funds through the mail by check. I then cashed my check and wire transferred the funds at XXXX the day my second reinstatement payment was due I made three phone calls that day trying to communicate this on XXXX. I made a follow up phone call to my mortgage company on XXXX to find out my check of XXXX was being returned but that they could keep the XXXX I wired transferred and would have request yet another pay off statement. I recieved the pay off statement of XXXX with the XXXX XXXX wire transferred unapplied. 
I have requested an itemized list of all payments charges and any fees with any notes attached to my account because I would like to know how my reinstatement went from XXXX to XXXX in XXXX months when my mortgage is XXXX each month. When all errors were made on there end. My entire familys livelihood has suffered because of mistakes made by Carrington Mortgage. I have only received XXXX phone call since I have made the request via email of all fees charges and payments made between the dates of XXXX and XXXX with any notes that are attached to my account number and was not assured anything at the end of that phone conversation. I have exhausted all resources and can not afford to hire an attorney. I was planning on using the remainder of funds XXXX to pay on other debts and be sure to make my mortgage payment XXXX which I am short XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the account number on my XXXX, XXXX, and XXXX credit reports this account is inaccurate. This was properly investigated and shouldnt have came back verified and accurate. 

That is false information they are telling me. Account listed below : XXXX has it listed as EXETER FINANCE LLC : XXXX XXXX has it listed as EXETER FINANCE LLC : XXXX XXXX has it listed as EXETER FINANCE LLC : XXXX Exeter finance llc however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit. The ground for removal has also violated my rights under : 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 US.C : 1681 Section 604 A Section 2. 

It also states a consumer reporting agency can not furnish a account without my written instructions Exeter finance llc however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit
Product: Credit reporting or other personal consumer reports

I sent certified mail letters, I called on serveral times and was hung up on. I was told since I had nothing reporting they put a old account back on my report and made up a method of payment. Deprived me of obtain credit, caused emotional distress. XXXX has : 1. Failing to disclose the true cost of credit as per federal regulations. 
2. Misrepresenting interest rates or fees associated with credit transactions. 
3. Any other actions that violate TILA and its corresponding sections of the U.S. Code. 

Failure to comply will leave me no option but to take further legal action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation for damages as permitted under **15 U.S. Code 1640**.
Product: Credit card or prepaid card

I booked 5 flights through XXXX online Travel for myself and family. The airline is XXXX. The flight was booked XX/XX/XXXX. The flight was scheduled for XX/XX/XXXX. The flight was paid in full using my USAA credit Card. The flight was cancelled and the company XXXX  and XXXX are refusing to refund my monies, so I have turned to my credit card company USAA and they informed me that since I did not file the dispute 60 days following the close of that billing cycle that they could not help me. The issue is that I had no idea that XXXX was going to cancel the flight 9 months later and refuse me of my refund. I did not have a magic ball to see into to the future, so there is no way to file a dispute with the credit cards 60 day window when the flight was not cancelled until over 9 months later. Please assist a XXXX XXXX  XXXX XXXX XXXX Vet for monies I much need!! thank You
Product: Checking or savings account

On XX/XX/24 my American Express Serve Account was compromised and hackers were able to change my password and gain full access to my bank account. There were twenty {$40.00} unauthorized transactions made totaling {$800.00}. To date I have been in contact with AES and no resolution. It was no fault of mine but due to their negligence of not keeping my account protected per the bank agreement hackers gained access. I have bills to pay and again to date no refund & no resolution. I have been a government employee for over 30 years and a customer of AES for over 15 years. It's with total disbelief AES would allow this to occur as I am dissatisfied with their services. When this is resolved I will be closing the account as AES no longer see me as a valuable customer.
Product: Debt collection

The account that is in question ( Enhanced Recovery CO L for XXXX XXXX ) opened on XX/XX/2017 with a balance of {$520.00} was entered into collection. The debt collector did not have an accurate address on file. Therefore I did not receive proper notice. I have been willing to pay the account off in full but the debt collector refuses to report to the credit bureau to delete the item from my credit report. XXXX XXXX XXXX the original debtor failed to pay XXXX off after I switched to XXXX XXXX XXXX ( Promotional Claim ).
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE