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

Peace love and abundance. 
According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

also 15 U.S. Code 1692c - Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

as well as the agencies not supposing to report on accounts older than 7 years of age.

With this being said : All items being reported on my credit should be removed immediately! 


DEPT OF ED/ XXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} DEPT OF ED/ XXXX  Date Opened : XX/XX/XXXX Amount : {$5400.00} DISCOVER FINCL SVC LLC Date Opened : XX/XX/XXXX Amount : {$510.00} +
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Letter Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, Experian, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

During the month of XX/XX/year> I received letters from CAVALRY SPV LLC that I owed them around {$930.00} for credit card debt. I asked them to validate the debt by requesting from them to send me information on the validity of the debt by providing me a contract between me and them with my signature on it that I owed them the money. They never sent me the contract. I requested it again and gave them the opportunity to Cure and they again never sent it to me and then they sued me. This is NOT right ; I was trying to work with them by asking them to send me a written contract that I owed them the money and they never sent me the contract and just neglected me and sued me and ruined my credit. This is unfair practices on their part in accordance with FDCP and not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions. Please help me with the unfair practices and tactics that CAVALRY SPV LLC is taking on me and ruining my life as well as my credit.
Product: Credit reporting or other personal consumer reports

The account in question pertains to a XXXX XXXX Account number XXXX ( XXXX XXXX XXXX XXXX XXXX ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report. 

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # 's XXXX XXXX XXXX Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There's an item on my credit report that have resulted from fraud, I have reported this to the Federal Trade Commission but it is not removed from my report. 
Every transaction and charge associated with this account is entirely fraudulent. I did not authorize or benefit from any of them. These unauthorized charges were made without my consent and must be removed from my credit report to protect my financial reputation and prevent further misuse of my personal information.
Product: Debt collection

Hello, Jefferson Capital Systems LLC has reported to the 3 credit bureaus that I owe {$4000.00}. All of the three credit bureaus were provided inaccurate information. I sent a debt validation letter to Jefferson Capital on XX/XX/2023. The FCRA gives the company 30 days to respond. However, I never received a response back. Jefferson Capital continued to report inaccurate information to all three credit bureau as of XX/XX/2023 without validating any ownership.
Product: Debt collection

I have a paid credit alert service with XXXX XXXX. I have been alerted that a collection company, named Overton Russell Doeer Donovan, has been falsely reporting that I have an account opened with them. The first alert was an account " opened in XXXX 2016 '', which I had to fight a long time to remove from my credit report. And now they have reported that there is another account " opened in XXXX 2016. '' Their fraudulent actions have continued to affect my credit score negatively. My credit score has gone from mid XXXX to mid XXXX. I am hoping to refinance my house repair cost and possibly the current mortgage. But with their fraudulent reportings to the credit bureaus, I am not able to get the best rate. The consumer credit score and the consumer credit report are extremely important in my financial health, as for many other hard working individuals. I am extremely indignant that this company continues to " toy '' with my personal information and credit information. I do n't even know what they are trying to get out of this. But this needs to stop today. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated before about my identity theft that took place in XX/XX/XXXX. There still remains one account in question of its validation. I would like to see an original hand-written signature and the original contract within 30 days of this request according to my rights shown in section 609 of the Fair Credit Reporting Act. 
Please send me copy of my authentic signature and the original account contract for this account ( circled in attached credit report ) : XXXX XXXX ... Act. # XXXX If an original signature and original contract can not be shown I'd request this account to be deleted as well. 


So far only XXXX XXXX XXXX- ( Act. # XXXX ) was able to validate themselves as a valid creditor with my original signature and original contract information. 

thank you for all that you do, XXXX XXXX XXXX this below was the original dispute I had sent you : " As it pertains to the credit bureau of XXXX, XXXX, and Experian and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my original filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX  Credit Union Report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Dear XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX I m writing to you to request a correction of the following informations that appear on my ( XXXX, XXXX  and transunion ) consumer reports. 
Balance {$75.00} XXXX XX/XX/2019 Balance {$710.00} ( XX/XX/2019 )
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The government payroll calendar is the same for all government employees no matter where you work. Today is a payday XX/XX/XXXX. My bank pays me on the XXXX date which is the same day it is deposited. XXXX and my jobs payroll claim Chime never issued me the check they deposited to my account XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

When selling crypto on crypto.com I am not receiving the correct amount. There is an 8 % difference between the actual value of my crypto and the amount that is received when selling. I have tried to talk to there help team and they just give me a generic answer telling me that the price is correct. I have proof that they are not being truthful.
Product: Credit reporting

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Credit Bureau 's are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed 30 days they must remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE SENT THIS INFORMATION TO EQUIFAX OVER AND OVER AGAIN. THEY CONTINUE TO LIE AND SAY THEY NEVER RECEIVED IT.
Product: Checking or savings account

Wells Fargo always charges a bunch of overdraft fees, even if you stop or put your card on hold they will still let things get charged. They will let a {$5.00} charge go through and then charge you XXXX and keep letting it happen till you owe {$300.00}
Product: Debt collection

They sent letters with two different payments one from original debt and one from collection agency.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Checked Bank of America balance, noticed new account in my name for XXXX  XXXX with balance of {$75.00} While reporting to Bank of America fraud department, noticed email stating application for XXXX XXXX credit card was denied
Product: Credit reporting

Re : Consumer Financial Protection Bureau Case No. XXXX In Case Of Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXThis message will confirm receipt of Consumer Financial Protection Bureau, and in response to Trans Union LLC sent to Consumer Financial Protection Bureau in reference to Case No. XXXX, and continued dispute with Trans Union LLC that the information in my credit report is not accurate ( the account is not mine ) that references " XXXX XXXX Formerly XXXX # XXXX '' and should not be in my credit file, please delete at once. 

Additionally, attached, please find photocopies of verifying documentation in support of Case No. XXXX, which I am providing the following information and accompanying evidence so that Trans Union LLC can correct my credit file : XXXX Statement dated XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX ; and XXXX XXXX and XXXX XXXX -- XXXX Pay dated XXXX XXXX, XXXX. 

I recently discovered the proper and correct address that governs the taxable that XXXX residence premises evidenced by official records maintained by XXXX XXXX revenue authority and the agency that issued and approved the final occupancy permit certificate number XXXX, and final approved building/zoning certificate number XXXX on XXXX XXXX, XXXX, in connection with tax map identification numbers beginning with XXXX and XXXX ; and " Parent '' parcel identification number beginning with XXXX. Accordingly, expunge at once any reference regarding all created variations of the situs address that does not exactly match the address ( that is the situs address ) identified on final occupancy permit certificate number XXXX and final approved building/zoning certificate number XXXX. 
This negative mark is damaging my credit and my reputation. Please delete the information referencing " XXXX XXXX Formerly XXXX # XXXX '' at once and issue me and anyone who has requested a copy of my credit report with the previous six months or within the previous two years if requested for employment purposes a new credit report. 

I certify the information provided is true and accurate to the best of my knowledge and belief, which is also germane to the following land parcel data : Sincerely, I am /sXXXX XXXX XXXX on behalf XXXX XXXX XXXX Without XXXX, United States XXXX XXXX XXXX. ) XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit card or prepaid card

About two weeks ago I made a phone call do the customer service center at USAA and was inquiring about their rewards on different types of cards and balance transfer promotions somehow there ended up being a credit card application for their XXXX XXXX XXXX rewards card through their institution which caused an inquiry on my credit report which really irritates me because the man I was speaking with did not understand what I was trying to find out subsequently a balance transfer is executed to my existing card instead of to a new product and they ended up with a {$93.00} fee which is the {$90.00} fee plus interest I have now called this institution a dozen times and every time I call, I get put on hold or disconnected or better, yet I get different answers from different agents who don't know what to do about the circumstance the resolution I look for is to get a reversal of the fees and to get either the inquiry removed in the application council or get the stupid application to be completed so a real balance transfer can be made to the new product, and I don't understand why this bank plays games when you call as I write this, I sit on hold with them for yet another ghastly time of 23 plus minutes the first day I spent over three hours on the phone with no resolution when this happened
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX ( account number 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 a account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAU HAVE NOT PROPERLY INVESTIGATED NOR REMOVED FRAUDULENT ACCOUNTS OF MY FILE WH EN IM A VICTI M OF IDENTITY THEFT
Product: Mortgage

Reserve funds : XX/XX/year> : Requested reserve funds - provided documentation and process XX/XX/year> : Completed and submitted- no response after multiple followups XX/XX/year> : Called got a hold of someone else and sent them the same documentation, stayed on the phone until they confirmed receipt and approval of documents, told 7-10 business days for funds to be released. 
XX/XX/year> : No funds still - Multiple calls and messages and told a manager would call me back. To this date, no call back has ever been made to me. 

Insurance draw : XX/XX/year> : Sent all documents requested including onsite inspection by 3rd party that I paid for. 
XX/XX/year> : They claim this money does not exist even though the previous lender sent funds to them. They refuse to communicate with the previous lender to resolve the matter.