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

The Privacy Act of 1974 ( 5 U.S.C. 552a ) outlines the requirement to provide notice to individuals in cases where personal information is being collected. In my case, the authority for collecting my information is 451 et seq. of the Higher Education Act ( HEA ) of 1965, as amended ( 20 U.S.C. 1087a et seq. ), and the authorities for collecting and using my Social Security Number ( SSN ) are 428B ( f ) and 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1078-2 ( f ) and 1091 ( a ) ( 4 ) ), as well as 31 U.S.C. 7701 ( b ). I understand that participating in the William D. Ford Federal Direct Loan ( Direct Loan ) Program and providing my SSN are voluntary, but the requested information, including my SSN, must be provided to participate. 

The principal purposes for collecting my information, including my SSN, as stated in the Privacy Act notice, are to verify my identity, determine my eligibility for loans or loan benefits under the Direct Loan Program, service my loan ( s ), and, if necessary, locate me and report on my loan ( s ) in the event of delinquency or default. My SSN is also used as an account identifier and to grant me electronic access to my account information. 

Despite having followed the required procedures and submitted my 1099-C ( Cancellation of DebXXXX ) form, I have yet to receive any response or resolution to my concerns. This lack of response and engagement in addressing my issue is causing significant distress and hindrance to my financial well-being. I kindly request that you promptly acknowledge my previous submissions and initiate a resolution process to address the issues at hand. 

I believe that my rights under the Privacy Act and other federal and state constitutions are being infringed upon by the continued reporting of my student loan information to credit bureaus. I am eager to work with your office to resolve these concerns in a mutually beneficial manner. Please treat this matter with the utmost urgency and priority, as it affects my personal financial situation and rights. 

I look forward to receiving your response at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I formally request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my credit report. Pursuant to the Fair Credit Reporting Act, I expect you to complete the verification within 30 days. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
Can you please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXXXXXX XXXX XXXX ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX  XXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an Equifax Mortgage Service never hear of them either.
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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 an 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: Debt collection

This debt was entered on my credit report and it does n't disclose where it is from. It stated that it was last reported on XX/XX/XXXX, it did not show up until XX/XX/XXXX. It stated it was opened in XX/XX/XXXX and it has never shown up on my credit report until XX/XX/XXXX. Nothing was verified that I owed this debt. No mail has been sent to my residence and I do n't know where BOTH accounts are from that was opened in the same month with the same amount of time in delinquency.
Product: Credit reporting or other personal consumer reports

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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Checking or savings account

Wells Fargo owes me {$4800.00} due to allowing a fraudulent company withdraw money out of my account I never authorized it. It is fraudulent and therefore should be returned to my account ASAP. I have been fighting with them over these transactions for months the two data furnishers are XXXX XXXX XXXX that withdrew fraudulence XXXX and and Card Member services which withdrew XXXX from my account I am covered by the FDIC for any fraudulent activity taking place out of my account. I will be suing Wells Fargo if they do not return my money to my account up receipt of this fine. 

Thank you.
Product: Credit reporting or other personal consumer reports

RENT RECOVERY SOLUTIONS have violated my rights by Reporting this debt to my consumer report. 
According to USC 1692c ( c ) The law clearly states : IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CONSUMER REFUSES TO PAY A DEBT, THE DEBT COLLECT MUST CEASE ALL COMMUNICATION. 
By reporting this debt to my credit report is a form of communication. Please CEASE all COMMUNICATION!
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Vehicle loan or lease

I purchased a vehicle from Car-Mart of XXXX. At first, everything was great. I even co-signed for my daughter to get a vehicle. Then, when I had the vehicle about 75-80 % paid off, it started having problems with the motor. Car-Mart offered to have the vehicle repaired at a shop of their choosing & add the cost of the repairs to my loan. I agreed and took the vehicle to them to have it repaired. The shop they took the vehicle to had it for about 2 weeks before Car-Mart finally called and told us it was ready. They told us that the motor had been replaced. My mother-in-law took my wife to pick it up while I was at work. The next day I drove it to XXXX to work. When I got to work, smoke started pouring out from under the hood. When I opened the hood, there was antifreeze everywhere. Apparently the shop either hadn't secured the hoses or had damaged one of them, I couldn't tell which. I got it back to Car-Mart who sent it back to the shop to be fixed. After a few days, they called to say it was ready. This time when I picked it up, I was less than a block from the dealership when it started having problems yet again, acting like it didn't want to shift properly. Again, they put it in the same shop for several days. Mind you I'm still making payments on a car that I haven't really been able to get any use out of for about a month at this point. Once again I picked up my vehicle only to make it about a mile before it died on me in the middle of the road ( yes, it had gas in it ). This time, after a few days, we were told that the shop wouldn't cover the cost under warranty so we'd have to pay to fix it out of our own pocket ( though it was supposed to be a 'new motor ' ). We talked to a manager who told us that since we were having so much trouble with getting the vehicle fixed that he would dismiss the remaining balance & take the vehicle as a trade in on something else. By this time, my daughter was also having problems with her car which they refused to do anything about. Final straw .... the 'new ' vehicle I got started having transmission problems a couple of weeks after I got it and the car lot wasn't going to fix it unless I could prove it wasn't any fault of my own. I finally walked into the manager 's  office and told him that I was done because of all the run around I had gotten from them. Now, ALL 3 vehicles are showing on my credit report as accounts with outstanding balances, even the one that they 'dismissed ' due to all the trouble I had with it ( making weekly payments on a vehicle that was 'out of commission for about 6 weeks all together ) & the one that started having problems within the first 2-3 weeks. Have they ever been investigated under the Lemon Law?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX XXXX credit card account is fraudulent, unauthorized, not mine and I never applied for this account : XXXX.
Product: Vehicle loan or lease

So in XXXX XXXX XXXX  our vehicle was repo and they submitted are loan to collections, which westlake has their own dept that handels those cases. We came up with an agreement if I pay {$3800.00} they will release the car and then we are in agreement every month till XXXX I pay XXXX till remainder is paid off which in total came to {$7200.00} to get title. In XXXX we made are last payment we did XXXX payments they stated that was our last payment are account is closed and they would provide title in XXXX  days. Now they aren't trying to give us our title because in XXXX we made a payment XXXX days late and told us that the case manager was not suppose to continuing honor our old agreement that a new one was suppose to be made so they can not give us the title. No other agreement was giving to us we kept our end of the deal and they have the video recordings of every phone call showing proof that they made the mistake and now their not trying to give us our title and now they are avoiding our phone calls and not returning them back.
Product: Debt collection

Caller said she is XXXX XXXX from the Law Offices of Scott Caruthers, calling to collect a debt. She was very rude and when I told her I was at work and not to call me here anymore and asked for her number she did n't want to give me her number. She threated to file a lawsuit in court and it would lead to 25 % garnishment of my wages. I kept telling her I could not talk while at work and she was very rude and pushy!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. TransUnion is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. TransUnion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX  XXXX XXXX Opened : XX/XX/2017 Balance : {$8100.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

JPMCB CARD fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). JPMCB CARD is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL HAS VIOLATED MY RIGHTS 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 a account without written consent.
Product: Credit card or prepaid card

I received a credit card from Bank of the West on XX/XX/XXXX for an account that was opened on XX/XX/28. I attempted to close the account with the bank but I am suspicious of the number that was provided. I received the card at my home. When speaking to the Customer Service Representative they were obstructive and continued to ask for further information. I was told that I would receive a letter to document the closure of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

all FTC violations been filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dispute is below laws they broke attached The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ;
Product: Debt collection

Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$17000.00} and XXXX  XXXX XXXX Date Opened XXXX XXXX, 2019 Balance {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and XXXX XXXX : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian XXXX XXXX XXXX XXXX Experian is a member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX  XXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.