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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Experian Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Account # : XXXX 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 items 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

The debt in question was paid in full. On XXXX a payment of {$100.00} was paid to the balance of the original debt that was {$270.00}. Order # XXXX, XXXX # XXXX, XXXX. XXXX XXXX. On XXXX a payment of {$100.00} was paid to the balance of {$170.00}. Order # XXXX, Ref # XXXX, Auth. Code XXXX. The remaining balance of {$74.00} was paid on XXXX. Order # XXXX, Ref #  XXXX, Auth. Code XXXX.
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 XXXX XXXX - Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Transunion to remove inquiries that I did not authorize. I ask to speak with a US Representative. I was connected to a US.representative and as he was confirming the inquiries which inquiries needed to be removed the call got disconnected. I called back and was connected to different US Representative. I explained to him what happened and how the previous US was in process of removing the unauthorized inquiries that were reporting on my credit report. He told me that he was not able to delete or dispute inquires. I explained to him that the previous representative was in the process of deleting my unauthorized inquiries and how is it that the previous US Representative I was speaking to could delete inquires but he wasn't able to. The US Representative was very rude and didn't care to help me address this issue. He stated that I could not be connected to the previous US Representative. There is a total of of 9 inquiries from XX/XX/XXXX-XX/XX/XXXX from car loan places in which I did not authorize to pull my credit.  •	XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX (XX/XX/XXXX)•XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)
Product: Credit reporting

Experian refuses by trickery to investigate the accuracy of accounts, and largely denies consumers the opportunity to redispute information that is on the reports. In my case, which has happened for the past 8 years, Experian keeps merging information between myself, my brother, father, and grandfather because of similar names, in my case, they assigning my brothers accounts, their home addresses, and credit information to my report, and when actively disputing the accounts, they state that the wo n't correct the information, that it is verified. My name is XXXX XXXX XXXX, my relatives are XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, this is the first instance. 
The XXXX problem XXXX, auto credit, and security national between 2012 present sent me a IRS Form XXXX, debt forgiveness, which means that it was counted as income, not debt on my annual filings, Experian refuses to reinvestigate those facts, and cites repeated disputes, so based upon trickery, they are allowed to keep the item by refusing dispute capacity.
Product: Credit reporting or other personal consumer reports

A complaint was sent to TransUnion XXXX through the CFPB the claim number is COMPLAINT ID XXXX In this complaint I asked under that under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

The account the company verified is not the account I disputed. Proving that the company lied and did not properly investigate the matter as they said. 

Not only did they fail to comply, the response they sent further implicated them, proving that they violated not XXXX but multiple FCRA laws. The first violation is XXXX. FCRA 1681i ( a ) " Reinvestigation of Disputed Information, second is FCRA 1681s-2 ( b ) " Responsibilities of Furnishers of Information '', last but not least is FCRA 1681e ( b ) " Accuracy of Information ''. Further action will be taken if not resolved properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on XXXX, XXXX, and Experian. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX and my only employer is XXXX XXXX XXXX XXXX ( XXXX ). 
There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I, XXXX XXXX, agent for the Principal XXXX XXXX found some discrepancies in the consumer credit report. I notified XXXX, a consumer credit reporting agency, of the problem as soon as I could. I noticed that Principal 's secured party, XXXX XXXX XXXX XXXX XXXX, was not sharing consumer transactions but rather business transactions to EXPERIAN for consumer reporting purposes. The secured party was sharing with EXPERIAN only business transactions, in a sense if the Principal was purchasing his own unregistered exempt securities from his own secured party who was issuing it all. EXPERIAN received from me certified accredited evidence and information about the problem, but in return EXPERIAN has not shared any accredited/certified investigation that It has conducted, nor the results of the investigation are accredited/certified as required and prescribed in California Code of Civil Procedure section 2015.5 or 28 U.S.C 1746. 
I declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct. 
Date : XX/XX/year> Signature : /s/ XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : TD AUTO FIN XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported transactions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is illegal.
Product: Debt collection

I found a charge of {$640.00}, - on my credit report on XXXX from a company called Collections Management Co. After some research I only found a company called Credit Management Company , which was the first odd thing about it. I called and tried to get information about this debt to verify it is not a scam and was told this is a collection for an ER visit on XX/XX/XXXX in XXXX but there is no original contract with the original creditor " Island Medical Bluefield LLC, '' there is no proof that this debt is from me and the only thing they can provide me with is a collections bill. While I did go to the ER in 2018, right around that time, I paid all my bills with the Regional Hospital and settled all my debts. I fear my information must have gotten compromised in a data breach or similar. Bluefield College, now Bluefield University, my alma mater has just recently announced a data breach and I fear that this is correlated.
Product: Debt collection

I have discovered some inaccurate information on credit report. Therefore, On XX/XX/2020 I requested an explanation for an investigation from the credit bureaus for inaccurate information listed on the letter. After months of waiting for a response I have not been provided with any information about from the credit bureaus. And I would like an update on my credit report within 30 business days.
Product: Credit card or prepaid card

On XX/XX/2020 I received my monthly Barclays CC statement included was a charge for another account ending in XXXX. According to the statement the charge was for {$41.00} for a " tropical smoothy '' delivered by XXXX. The charge was made on XX/XX/2020 in California and even showed a Ca.phone # XXXX. 

Please take note : There are not suppose to be any additional account numbers attached to my account. 
I've never had a tropical smoothy. 
I've never ordered anything through XXXX  or similar company. 
I haven't been in Ca. in 45 years. 

Per their instructions I mailed a dispute letter to their PO box , certified, which was received in Delaware on XX/XX/XXXX. 

As of today, XX/XX/2020, that letter is still being held by the USPO. 

On XXXX XXXX I sent a complaint to the Delaware XXXX XXXX XXXX  concerning this issue and was provided an email address supposedly to the Barclays Presidents office. I sent an email immediately. 

Late, on XXXX XXXX. ( XXXX eve ), I received a phone call from someone only identified as XXXX who left a number and a msg. for me to call. The following Monday, XXXX XXXX, I called her number for the first time and left a msg. for her to return my call. To date she's never returned any of my calls and I've now called the number over a dozen times including the number without her extension. 

On XX/XX/2020 I received a new statement. The unknown account number had been removed but the charge remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a VERY unusual issue. In XXXX, I received a letter from Social Security that my XXXX benefits were being terminated since I was supposedly incarcerated in Massachusetts since XXXX. I found this to be a bit humorous since I retired from a law enforcement career in XXXX after 26 years of NY State service. Via telephone calls, SS cleared this up within a week but warned me that this severely impacts my credit score. I have been trying to communicate effectively with the credit bureaus but it is futile. Nobody listens.

Tonight I was told that despite having NO loans, mortgages, car payment, etc ... that my lowered rate is due to my not having enough accounts open. Why do I need unnecessary accounts when I am financially solid and have nothing but a XXXX XXXX history? Why is a financially responsible citizen being forced to open unwanted and unneeded accounts and expose myself to even more fraud? These credit bureaus are out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights. 

Affixed is a my proof of verification, copy of the inaccuracies on my credit report, copy of of Consumer Law 15 USC 1681i ( a ) ( 1 ) ( A ), and also copy of the letters i sent to the CRAs. 

Thank You CFPB XXXX XXXX
Product: Debt collection

Warner Asset Location Services called me on XX/XX/2017 for the first time. They told me the amount I owed for a past payday loan, and demanded I pay in full amount right then. They threatened that I have one hour to pay, or she 's going home and at that point they are faxing my employer a letter of employment verification and starting the process to garnish my wages. Their communication got worse from there. I asked for time to talk to my husband and she warned again that I only had one hour to call her back and make my payment. My husband advised that I ask for a letter in the mail to verify my debt. When I asked for this they said they do not have that because they are not the actual debt collectors, but an asset location agency. They refused to tell me who owned my debt and refused to mail me documents for my debt. They did e-mail me a " Letter of demand '' stating how much I owe their company. When we asked again for a letter in the mail the manager I was speaking to stated " We already sent you the email with the amount owed, we will not be sending you anything other than that. '' They continued to tell me that I must make a payment that night or they will be starting the process to take me to court in the morning. They gave me two options after we told them we did n't have the money. Our options were a settlement of the original loan paid in full at that moment, or payments of $ XXXX monthly until we reached the amount that we owed them. They refused to take anything less than {$200.00} a month. Finally, in tears from stress and intimidation I made the payment of {$200.00}, with an agreement to make another payment in full of the remaining amount because that 's the only option they 'd actually give me. They refused every payment method other than Visa or MasterCard. They told me if I was unable to make the full payment at the end of XX/XX/XXXX to call them back and talk to them and they would work with me. When I called them back toward the end of XX/XX/XXXX, unable to make the full payment, asking if I could make another payment of {$200.00} the woman refused to accept this, telling me it was not in our original deal. I told her if she will not accept it, to remove the payment arrangement from my account and to NOT take out from my account for that following Friday. I was in distress from their harassment when I made the agreement of paying the remaining amount, and now that I told them not to make the payment they are harassing me, calling 4 times in an hour and a half. After I was of sound mind, I realized this is not a legit collection practice, even if the business is, which, I 'm unsure of, because they refused to give me any information, and I could not find any information on their company on any business, collections, or XXXX site. Only other complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions. 

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the last activity and reporting date ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactionsthat belong to this company that would provemy payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed. 

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2500.00} XXXX XXXX Opened XX/XX/XXXX {$130.00} My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA.
Product: Checking or savings account

I filed a complaint with Bank of America on XX/XX/2022, bank of America through it's agents closed my claim. They did not refunds that were taken out of my account and gave no explanation as to how it happened or where it happened. Bank of America has caused me to lose confidence it the Banking system and as of this moment I will not be doing business with Bank of America and I will not be extending my credit. I demand from Bank of America to furnish verification of these unauthorized transactions in accordance with Federal Law and Consumer Rights as I am the Original Creditor of the Banking System per XXXX XXXX. I demand a true investigation and the refund of all my credits to all my accounts at Bank of America as those are MY Assets 12 CFR section 205.2 ( b ) ( 1 ). My accounts are for Deposit Only.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/2020 Equifax is reporting inaccurate, misleading, Unverifiable information on my consumer reports. Under the account name : XXXX/XXXX. 

: Account currently reports inaccurate balance and credit limit a violation of FCRA rules section 1681.

: Account currently reports a payment amount of {$69.00} after Account has been closed a violation of FCRA rules section 1681. 

: Account currently reports last status update as of XX/XX/2020 but still reports multiple inaccuracies. A FCRA rules violation section 1681
Product: Credit reporting or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Money lion is a payday loan app. I've used them for a few months. 

Due to a software glitch, which they wouldn't admit to, they deducted money from my account before the promised date, in breach of contract. 

This caused my bank account, that I've had for 15 years, to overdraw for the first time. 

I took me all day to get a small resolution from them, but it wasn't the amount they basically stole from my account., I really don't think these people need to be allowed access to peoples bank accounts with software they KNOW has problems. 

They paid me a total of {$450.00}, and deducted {$450.00}, and still say I owe them {$300.00}. 

This occurred between XX/XX/XXXX and today. 

I've contacted my bank ; they won't process any more withdrawals from them. 

Still, I can't imagine how many other people were affected.