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

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

Account Name : XXXXXXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have previously disputed the bankruptcy that is listed under judgments on my credit report. This is was by the United States bankruptcy XXXX XXXX XXXX XXXX North Carolina. XXXX, XXXX, and Experian in response verified that the item as accurate, stating that they have verified information with the Courts. I have contacted the court and their response is Enclosed. It is clear they do not report to any of the reporting agency so the original response was an error or a lie. Earthier way the reporting requirements don't comply with the FCRA sub section 611 15 U.S.C. sub section 1681 and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CompNy harassing me for years About about a legit reversal on a rental scam Situation I was granted money back from all banks to to a breach of contract where they let mutuel tenants live who were not on contract and put me in a bad situation, I have proof of emails from company who leased property And bank took too long to contact me while moving to ask for documents, I had closed account with XXXX balance and months later was harassed about this
Product: Mortgage

COMPLAINT REPORT OF SUSPICIOUS ACTIVITY POTENTIAL RACKETEERING AND/OR MONEY LAUNDERING This complaint is by and from family Date : XXXX XXXX, XXXX To, WHOM EVER THIS MAY CONCERN/ WHOM EVER IN AUTHORITY REGARDING : XXXX XXXX and XXXX , XXXX. ( XXXX XXXX XXXX For the Firm ), Attorney for XXXX XXXX BANK TRUSTEE, XXXX. XXXX XXXX, XXXX XXXX, FL XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), XXXX. XXXX XXXX XXXX, XXXX XXXX, SENECA MORTGAGE SERVICING LLC, 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, THE ALLEGED " TITLE HOLDER CLAIMANTS '', XXXX XXXX XXXX ( RESIDENTIAL MORTGAGE LOAN TRUST XXXX ) C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX above mentioned ALLEGED " TITLE HOLDER CLAIMANTS '' are not the true title holder claimants on record and are attempting to deprive me ( i.e. XXXX : of the XXXX family, the Secured Creditor ) of my {$290000.00} promissory note, security, investment, and private/ personal residential family home in XXXX XXXX XXXX XXXX.I have no prior existing written contract with the above named alleged title holder claimants that they can prove on and for the records as true, complete and not misleading, under the risks and penalties of perjury that I am obligated to XXXX or must sell my house without my consent and valuable consideration. BREACH OF SECURITY. 

I have a strong compelling feeling and supportive reasons to feel that I am being extorted, embezzled, robbed, defrauded, deprived, racketeered, discriminated against, lied to, libeled, defamed, induced, and prejudged by the above listed alleged title holders. 

I am competent of what a contract is and I am aware of my will to choose good or bad, and to say yes or no. My no 's is no and my yes 's is yes. I do not consent means I DO NOT CONSENT. Coercion and duress is a crime. It breaks my heart to be put in this emotion wrecking situation and not know anywhere else to go for help and relief. 

I have absolutely no contract with the above alleged title holders and my name has been forged on fraudulent assignment sheets which I can furnish as proof if requested to. 

I have the original wet ink signed warranty deed of trust to the house although the original creditor ( i.e. XXXX XXXX XXXX ) has been breached do to a undisclosed conveyance of my promissory note which should have been applied to my liabilities pursuant to the XXXX, the XXXX XXXX XXXX XXXX XXXX, the XXXX, XXXX XXXX, XXXX XXXX XXXX, the Federal Reserve Act, the XXXX, the Negotiable Instruments Act, and the Bill of Exchange Act. This soo called " debt obligation '' has been paid in full and has been sold as a security asset in the secondary market/ the security and exchange market. Sincerely, family, In XXXX ALL RIGHTS RESERVED UCC XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries that was not made by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/year> I submitted an application to become an independent contractor with XXXX XXXX, upon completion a background check was initiated by Checkr. On XX/XX/year> the company reported an inaccurate report to the company which has placed my employment on hold. I provided all information and documentation on the issue which should have not taken more then 24 hrs to be verified and removed from my report. Im writing this today because nothing has been done and both myself and instacart are still waiting on Checkr to correct their error
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Experian ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX  XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX and Experian is not an affiliate of XXXX  XXXX nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. CCS COLLECTIONS, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX. Thank you
Product: Credit reporting

After paying an initial XXXX dollar for my " free credit report '' through Experian, I was secretly enrolled in a monthly service where I was billed XXXX a month starting in XXXX 2016, I NEVER agreed to do this, in fact they automatically enrolled me in the program without letting me know and never sent a single billing statement, they simply begin billing my debit card for that amount. Experian then raised the amount to XXXX in XXXX again without ever letting me know in any way I was paying for anything. Completely unrelated my bank sent me a new debit card as my old was expiring, somehow Experian GOT my new debit card number and began charging XXXX for this secret service I was enrolled for. I called them when I discovered this charge on my checking account on XXXX XXXX, 2016 and immediately called them to get my money back and cancel this account, they only refunded me a single month back and said I was liable for everything before this because I agreed to this. I never agreed to anything like this, their practice of keeping everything to themselves just proves they were manipulating me the entire time. How is this legal or fair? If a private person was billing someone 's debit card without their knowledge or consent that would be credit card fraud! But because they are a credit reporting agency they can get away it? I am not alone, I googled this scam and hundreds of people are being ripped off by it. I filled a fraud complaint with my bank as I think these charges are ridiculous and fraudulent but I want Experian to be held accountable with the federal government.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX 700CXXXX XXXX XXXX ( Auto ) completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.
Product: Debt collection

I filed with you earlier about Chrysler Capital reprocessing my car due to system adding me to a repo list and I owed 4 months which I sent XXXX a copy of 17 straight payments which the email was wrong. I paid over XXXX and picked up my car. Balance XXXX. XX/XX/XXXX received a letter stating I owed {$810.00} due XX/XX/XXXX. Called XXXX at Chrysler and stated it will be corrected. A call from XXXX XX/XX/XXXX from collection stated the system put me in collections and I been there for 21 days but after arguing she apologized and said I owed nothing. Today, XX/XX/XXXX I get a letter stating I owe XXXX. I'm tired of being harassed by this company. XXXX, XXXX XXXX and chrsler stole {$2600.00} which was suppose to be sent back XX/XX/XXXX. This is how they stole my car was repossessed because of the system and they lied and said it doesn't do that but all my payments are up to date until XX/XX/XXXX but the system keep putting me in collections and then luring that the system called me which my recorded conversation stated there was no activity on the line. I want them to stop harrassing me with letters and phone calls.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account # XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX and the major credit bureaus XXXX, XXXX, and Experian. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, XXXX, and Experian? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, XXXX, and Experian immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I want you to send me the name and address of the original creditor? An illegal sign document with my signature. With the last billing statement and any fees that may have been added. And where did yall come up with this amount and how did yall come up with this amount. Only communicate with me only for this purpose do not call my phone & stop harassing me emails only.
Product: Credit card

Last month I was billed on my Chase Sapphire credit card for a XXXX XXXX I made last XXXX. The fee was approximately {$150.00}. This month I checked my balance. Instead of having {$95.00} avaliable I was {$26.00} over my credit limit. 
I called the toll free number and was told That because I was so close to maxing out my card that they applied these fees! I think it's outrageous that they not only did this once, but twice!
Product: Vehicle loan or lease

XX/XX/year> {$24000.00} Before the 3 day cool down buyers remorse I tried to return the vehicle because its not worth the price. After financing the vehicle over XXXX  years it came to XXXX. After thinking about it when i got home i knew i couldnt afford it. When i arrived back at dealer and told them how i felt they said to late you signed the contract. I explained I had been working that day over a XXXX hour shift and was in a tight spot to help my son by giving him my paid off car and me buying a new one. I was stranded at dealer with no way home unless I bought the car that night. I tried to get them to be honest about where the debt came from instead of credit. I didn't get the loan I got a debt. Im fully aware of bankers and there secrets of how they cant lend their own money. Also my signature has infinite value. They refused to be transparent about the secrets of these contracts and definitions of words. 
The National Currency Act, sections 27, 28, & 53 ; says Banks are not allowed to loan their own credit nor are they allowed to loan money 18 USC 1028A - Aggravated Identity Theft Capital Fraud, Intentional Misrepresentation and deceit Consumer Fraud Contract Fraud Securities Fraud18 USC 1028 - Fraudulent use of Identification, Documents and Title 15 USC 1692j - False and Deceptive Forms 16 CFR 444.3 - Unfair or deceptive cosigner practices.

15 USC 1693n - Criminal Liability Violations under TILA, FTC, and FDCPA FRAUD VITIATES ALL CONTRACTS
Product: Debt collection

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent all 3 credit bureaus certified XXXX dispute letters with court documentation showing the inaccuracy that is being reported. Gratefully, XXXX noticed the inaccuracy, then permanently deleted the account. In midXXXX 2022, I handwritten a letter to XXXX XXXX XXXX, confused and unaware of the reporting amount, not owning the debt but asking for documentation that supports their collection amount to verify and as of XX/XX/XXXX, I have not received a letter nor a word of communication. 

Thankfully, I made a copy of that letter and sent it in with my second round of certified dispute letters that Equifax received along with the court documentation on XX/XX/2022. Today, noticing the investigation was completed, I then called Equifax to find out the results and they stated it had somehow been verified. I asked XXXX, who is an Equifax employee, to see if they received my documentation that supports my reason of inaccuracy and they first stated no, after many times of going back and forth, XXXX then placed me on hold several times to then have found all documentation, making sure to tell me what the amount shows on my proof of documentation, however, still not being enough to support the inaccuracy that I am requesting and for me to contact the creditor ( collection agency ) to have it removed since they are the ones that do that, which I was not able to get any feedback from. Im very confident the results I was given with the investigation from Equifax, are violating the FCRA law and would be fully grateful for a deep dive investigation of why my Equifax and XXXX are showing inaccuracy. I look forward to making sure all information on my credit report is accurate and accordingly as possible, thank you for your time!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Act Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consume Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable reliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XX/XX/XXXX