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

On Wednesday the XXXX of XXXX I had gone to return a used car to XXXX XXXX of XXXX. As I sat down with the XXXX XXXX by the name of XXXX XXXX XXXX of the first things I had explicitly told him was that I did not consent to run my credit. When I told him I would not finance with the dealership and that I wanted a refund instead I was threatened with getting charges pressed against me and was harassed. 

During XXXX of the periods he stepped out of his office to speak with his manager, I noticed that there were multiple credit reports ran on me with various banks. Many of these banks I have never even heard of in the span of under XXXX minutes as I saw push notifications from experian as this transpired. Some of these include XXXX XXXX, XXXX and XXXX. XXXX XXXX of XXXX is the name of the dealership and XXXX of the inquirers on the XXXX despite expressing vocally that I did not agree to have my credit ran. I did not apply for credit with any company at any time on XX/XX/year>. 

I had confronted the finance manager and he said and insisted that I had to finance that day with the dealership including handing me a quote for a finance payment that I did not agree to and did not sign anything that day. He did not give a real answer as to why he had ran my credit and persisted and demanded that I sign on for financing. I had left the vehicle in the dealer lot and my keys with the finance manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to a previous complaint that needs follow up. 
Previous Complaint : Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 XXXX reported to TransUnion that I am 30-days late on a {$0.00} balance. This has cause my credit score to plummet over 60 points. In addition, the other credit reporting agencies have been notified that the account is CLOSED, not PAID AS AGREED, which has also impacted my credit score negatively. I have NOT been notified about how I can obtain my title, nor when it will be released. 

I did call Customer Service directly, as usual, they were absolutely no help!
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 confidentially under 15 USC 1681. 
** XXXXXXXX XXXX XXXXXXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ... 

15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$150.00} XXXX  XXXX Balance Owed : {$710.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021, XXXXXXXX XXXX XXXXXXXX. Date of inquiry : XX/XX/2021, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Fraudulently reported account as collection. They are a debt buyer and are reporting a credit account original account XXXX, they have reported to my report after XXXX   accound was already reported as fraudulent XX/XX/2019 when first noticed. I have contacted the company 3 times to try and resolve this as they did not provide me the mandatory 30 days to dispute the account they went directly to the reporting. 
XXXX XXXX  refused to provide any information about the account, and was provided a FTC report stating not my account and they persisted for more personal information and stated they do not have to provide any information.
Product: Checking or savings account

I opened an acct with BMO bank and made two large deposits of funds from a lawsuit that was settled. One was a wire for close to $ XXXX and the other was a check for around $ XXXX. My account was closed and funds are being held for suspected fraud. Im being treated as if I did something wrong when I even had my other bank confirm that the wired funds were verified and came from a settlement. They refuse to help in any way with getting me my money back when they have no legal grounds to hold it.
Product: Debt collection

Was called by portfolio recovery associates and the caller said they are trying to collect a debt from XXXX XXXX. When I asked the caller if Portfolio Recovery could produce a contract that I owe them the money She said that they bought the debt and the contract and I know owe the debt. I told her that I am disputing the debt and that they have no right to report this to the credit agencies and she told me that they are going to continue to report this and were going to continue to call me even thought through letter dated, XX/XX/2019 to Atty. XXXX XXXX XXXX MA who said he was representing Portfolio recovery, and phone called today XX/XX/2019 @ XXXX XXXX EST. I told them to stop contacting me. When I told her that I was going to end the call she said that they would continue to contact me and that I could do whatever with the call and then she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. I have consistently disputed fraudulent accounts that are results form identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Mortgage

I took out a mortgage for $ XXXX with XXXX in XXXX. I have made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the XXXX XXXX XXXX XXXX , XXXX tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX again tried to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX, another fake servicer called XXXX XXXX XXXX attempted to assign my deed of trust. ( Exhibit B ). They allegedly made XXXX XXXX XXXX, XXXX. the " Trustee '' but there is a clear conflict of interest and XXXX XXXX XXXX, XXXX. has denied any involvement in my loan. My deed of trust on p. 24 ( attached ) specifically states that only the LENDER can substitute the Trustee. To date I do not have any evidence who the " LENDER '' really is. In fact, none of these private debt collector companies are the LENDER.These companies including the Trustee XXXX XXXX XXXX, XXXX. have not sent my Attorney the requested documentation. ( See letter dated XXXX/XXXX/XXXX attached ). They have not given me an updated running balance of all payments made to date, which leads me to believe all this is fraud and would like for the CFPB to intervene.
Product: Debt collection

I received 3 calls last week from Southwest Credit Systems. All agents refused to state the purpose of their call unless I participated in their " verificaton '' process by giving them private and sensitive information first. They called me at my known number for almost 20 years, asked for me and I confirmed it was me. I also have not received anything in the mail confirming I owe anything ot Southwest Credit Systems, nor how to dispute.

This is harassment and a violation of the FDCPA. They should not call me unless they are going to tell me why they are calling before I give them private information. If they do not know who they are calling then they should not be calling giving my address to random people. Either way this makes no sense. It is absurd to require me to give information when they are calling me. I would understand the need if I was calling them, but this is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XX/XX/XXXX, and XX/XX/XXXX I sent requests to Experian to investigate late payments reporting on my report ( XXXX account ). There are two late payments reporting in XXXX and XX/XX/XXXX. This is an up to date account that should not be reporting any late payments. After reaching out to Experian three times they only conducted ONE investigation. The outcome was incorrect. They are not reporting accurate information nor are they responding to disputes in a timely or efficient manner.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased {$1000.00} of XXXX on blockchain.com, an app that offers XXXX  investments, To this day, XX/XX/XXXX my {$1000.00} is still on hold even though the transaction says Completed and successful on my activity transaction list. I had given up on them to ever fix this but after seeing people have success through filing a complaint, I am now pursuing to retain my funds. I have recently reached out the blockchain.com support team, and they have no answers, and very very rarely communicate back to me. I have all necessary screenshots of my account ledger showing the {$1000.00} purchase I made and where it remains on hold 3.5 years later
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on my vehicle loan from XXXX XXXX XXXX # XXXX. I have made all my payments on time since I purchase the vehicle last year. I made a regular payment of {$400.00} on XX/XX/XXXX, then I was involved in an accident and total my car which my insurance company had cut a check for {$10000.00} paid on XX/XX/XXXX, and after that, I settled the account in full with an agreement payment of {$1000.00} paid on XX/XX/XXXX to close out my account. Even after I settled my account with XXXX XXXX, they still went ahead and reported to Experian and XXXX  that I'm delinquent 60 days? I have tried to work with this company regarding this issue and nothing has been done, I asked why would they report this inaccurate information and the supervisor advised me " she's not sure what happened '' they just keep reporting inaccurate information to Experian and XXXX. I even received a call from their compliance dept stating that they are investigating this issue but continue to keep reporting it incorrect as recent as XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX and they advised me that they updated my report on XX/XX/XXXX with the correct information that I never missed a payment but XXXX XXXX had done another report that I was delinquent on XX/XX/XXXX. I'm not sure why this company keeps reporting this inaccurate information? They are not taking accountability for this issue, they just keep telling me that they are not reporting it that it's the credit bureau that's reporting it incorrectly? My account is closed with this company, I no longer want any reporting done and I also want my negative remark " 60 days late '' removed immediately as I have never been late at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have the right to privacy and no said company has respected that which would further more draw the line for me to file Civil charges in such said fraudulent activity. Each document that has been recently submitted with these forms will document how many times a debt collector has harassed me daily on my mobile device constantly threatening me with civil charges that has not ever came. I have sought out to have my credit froze due to this data breach and Identity theft. Neither said companys above has actually stop reporting Alleged accurate or inaccurate information until this DISPUTE HAS BEEN FINANLIZED. I have been consistently defamed of my character with a low credit score reporting with no VALID INFORMATION being given to me. I have also been denied credit on numerous of occasisions from credit card comapnies and loan companies. I request that all information that has been deemed to be Alleged Verified be removed from my credit report unless such said party can send me the ORIGINAL DOCUMENT WITH THE WET SIGNATURE that I did business with such said companies Reported above and originally in the dispute. In conclusion, The Consumer Financial Protection Bureau and the FTC will be CCd due to your companys negligence. Delete all accounts listed above from my consumer report, your agency is in clear violation of 15 USC 1681 and all of its subsections. Failure to respond with satisfactorily with deletion of the above referenced accounts, and send a free copy of my consumer report when these accounts have been deleted will result in legal action being taken against your agency, for which I will seek {$1000.00} per violation for : 7. Defamation of Character ( per se ) 8. Negligent Enablement of Identity Fraud 9. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 10. Possible Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 11. Aggravated Identity Theft per 18USC 1028 12. Mental Anguish I hope you understand the severity of situation.

Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this XXXX with account number XXXX has violate my right and I need this account deleted from my credit report. 
[ 15 U.S.C. 1681 section 602a section1, states I have the right to privacy.

[ 15 U.S.C. 1681 section 604a section 2, state that a consumer reporting agency can not furnish a report with my writing instructions. 
For this reasons, I demand that the above named company with the account number should be removed/ deleted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Best despite my best efforts in submitting a copy of the FTC  complaint for ID theft having to do with multiple accounts I am on able to submit to the three credit reporting companies for some unexplained reason
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION WAS SENT MULTIPLE LETTERS WITH MY IDENTITY THEFT REPORT INCLUDED, BUT STILL HAVE YET TO DELETE ANY OF THE ACCOUNTS WITHIN. ACCORDING TO 18 U.S. CODE 1028A, AGGRAVATED IDENTITY THEFT, TRANSUNION IS IN VIOLATION AND IS VIOLATING MY RIGHTS. AS A RESULT, I AM DEMANDING FROM TRANSUNION, AN IMMEDIATE DELETION OF THESE ACCOUNTS, AS WELL AS ALL NON-ACCOUNT HOLDING INQUIRIES.
Product: Debt collection

on/ or about XX/XX/XXXX, a person appeared at my door as a process server and handed me the following paperwork " ORDER FOR INTERROGATORIES '' OR " STANDING ORDER FOR INTERROGATORIES. Alpine Credit INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Co XXXX Prior to this date on or around XX/XX/XXXX - Alpine Credit did engage in a similar tactic that a court document was delivered to my home via US mail and/or in person similar to the above description. 

However no court date was present. I believe this is a scare tactic by Alpine Credit to collect on old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX XXXX  # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions
Product: Debt collection

Account Name Account NameSTATE FARM BANK, F.S.B. 
Account NumberXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious Account Name Account NameSTATE FARM BANK, F.S.B. 
Account NumberXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Account Name Account NameSTATE FARM BANK, F.S.B. 
Account NumberXXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Trans Union for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Trans Union consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Trans Unions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Trans Union complies with federal law and provides consumers with the necessary proof of investigation.