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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX permissible purposes of consumer reports. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

I spoke with XXXX from Allied Collection Services , Inc. twice on the phone after receiving an email for a debt originating from XXXX. I am not convinced that I owe this, which I told XXXX. I was also concerned that I had not received a hard copy of the account by Allied Collection Services , Inc . I told XXXX that if Im responsible for the debt I will gladly pay it but I did not think it was appropriate that I was not mailed a statement. I confirmed my address with XXXX to find that it was incorrect. My apartment number was wrong. When we realized this, I thought that they would send a statement right away. He still refused, stating that they had already mailed one on XX/XX/XXXX, even though he had just identified an incorrect mailing address. This reluctance on their part has caused me to feel suspicious about the legitimacy of the dollar amount in question. I am ready to resolve this quickly, Im not sure why XXXX and Allied Collection Services would choose to operate this way.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024. Transunion reported 4 hard inquiries was removed from my credit report in which I had not disputed at the time. They then put the 4 inquiries back on my credit report which dropped my score XXXX points. This is not the first time this has happened and is affecting my livelihood with these tactics they are using towards me as a consumer and violating my consumer rights.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Consumer Loan

I purchased furniture from XXXX in XXXX 2015 in XXXX I noticed the the furniture I purchase was starting to peel. I called XXXX in XXXX was told to submit picture I did however I never received a response from XXXX. I called XXXX again in XXXX inwhich I was asked to resubmit picture in which I did was told that pictures were n't clear so I recent picture still was not clear enough for XXXX. XXXX sent out tech who was suppose to take pictures and submit to customer service in which pictures were ever submitted however tech wrote report stating that was not covered draws were damaging because I was opening them even XXXX customer service found that odd however XXXX refused to do anything about it. I contacted Wells Fargo who had financed the furniture and a claim was started. Was tol would take 60 to 90 days for investigation and no payment was need until decision was made and depending on what occurs with XXXX. I called several times was told XXXX XXXX was handling my claim for XXXX and for the rep from XXXX. I called XXXX no one knew rep I was told to ask for and rep from Wells Fargo XXXX XXXX never returned my call. Called customer service again was told same thing and that XXXX was trying to reach out to me to resolve issue. Called XXXX again no one could help me however when it was time to deliver furniture XXXX had o problem contacting me. Called Wells Fargo again told investigation is still in affect. I received a letter from XXXX where interest was applied was told to ignore no payment needed protected will under investigation I than get in contact with Wells Fargo and this time I 'm at Witts end asked to speak to corporate after hearing same speech rep told me he did n't have number after I threatened to contact attorney general and consumer affairs I 'm now transferred to XXXX in the corporate office, I explain to her the situation as far as the interest and that there as not a problem paying however I should n't have to pay for defective furniture that did n't last 6 months, XXXX assured me that my case has been escalated to highest level and she would get to bottom and call me inwhich I gave her my cell phone for contact. I was told to get in contact with bobs again just one last time in which after fighting with rep was told sofa would be covered not entertainment unit. To make a long story short after several calls to XXXX and XXXX, I receive a call from XXXX stating they would give a re selection for both pieces however when I called Wells Fargo XXXX told me her supervisor would only give me 25 percent towards interest and that case is closed. I need assistance with unfair practice off Wells Fargo why would that tell me not to pay and even after XXXX agreed to return merchandise they still charge interest which was {$870.00} and I only owed {$820.00} if I was told to pay while under investigation would n't be a problem now this is reporting negative on my credit report. Please I paid on time was miss lead by Wells Fargo so they can earn interest un just even after merchant agree to swap out furniture.
Product: Debt collection

I don't know where the charges occurred from. I closed my account right before I got XXXX  in 2018. I was charged fees after I closed account. I don't know if someone used my info.
Product: Credit reporting or other personal consumer reports

someone else opened a auto loan in my name i never bought a vehicle i'm now seeing this on my credit report and there are alot of late payments too this auto loan does not belong to me the account number is XXXX with exeter finance LLC
Product: Credit reporting or other personal consumer reports

XXXX posted incorrect late payments on my credit reports. I was unable to qualify for a home and this issue has been devastating to me and my family. Starting in XXXX, XXXX promised to remove two last payments if I made three timely payments in a row. They did not correct the issue. Furthermore, they also confirmed that my loan was approved for forbearance between XXXX to XX/XX/XXXX. My accounts still show XXXX late payments on them each. I have contacted them multiple times and have had no success.
Product: Mortgage

This correspondence serves to convey my profound dissatisfaction regarding the management of our loan payments. Several years ago, we underwent the loan modification process due to difficulties in meeting our payment obligations. Unfortunately, the modification yielded only a modest reduction of {$100.00} per month, which proved to be insufficient. Subsequently, the monthly payments increased as a result of adjustments in escrow and taxes, a development that is understandable. However, the variability in the monthly payment amounts has made it increasingly difficult to keep track of the precise amount owed each month. On a couple of occasions, I failed to note the exact payment amount, resulting in the return of my payments. I attempted to rectify this by paying the difference on one occasion, but that payment was also returned. Currently, my payments, which reflect the accurate total, are being returned as well. This situation has led to my account being marked as delinquent, with payments being returned to me 2-3 weeks after the payment is made. 

It is evident that I have been consistently making my payments. For the past six months, I have been paying {$1400.00} each month ; however, the payment amount changed once more in XXXX, increasing by nearly {$200.00}. As I receive my salary biweekly and have additional financial obligations, I find it perplexing that my full payments are not being accepted. While I acknowledge the possibility of incurring late fees or other charges, outright refusal of payment is unreasonable. This situation is leading to significant delinquency in my account, which poses a serious issue. 
Below is a history of my payments to date. 
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  Two full payments of {$1500.00} have been refunded to me to date, and I suspect a 3rd payment recently made will be as well.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit repot, leavingg inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, this letter shall serve as a formal notice of my intent to file a complaint with the FTC, XXXX  due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated XX/XX/2022, as well as my follow up letter. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).! am maintaining a careful record of my communications with you on this matter, for the purpose of filing a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in WENGER v TRANS UNION CORP., XXXX XXXX XXXX C.D, Cal. XXXX  ), you may be liable for you willful non-compliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 65 day and again 40 days ago : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My last submitted compliant through CFPB was XX/XX/2022 ( XXXX TransUnion, XXXX XXXX, XXXX XXXX  )
Product: Credit reporting

i submitted multiple accounts that were inaccurately reporting to my file to be investigated and corrected or deleted. Yet the agencies kept verifying the inaccurate accounts and illegal reporting as correct. They were not. especially in my case since i have filed for bankruptcy and the accounts were appearing as open/delinquent/active and in some cases with a balance. they information within the accounts were also incorrect. 
they keep verifying items as accurate and mine when they are not. i have received absolutely NO evidence of an investigation and the XXXX phone number they provide me contains no dial tone and i can not get through to any furnishers to see whether or not an investigation has ever occurred.
Product: Debt collection

Calling mutiple times a day, every single day, for the entirety of the day from dozens of numbers after I have repeatedly told them to stop. I can not even use my phone for legitimate purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report with XXXX Police Department on XX/XX/2021. 

I sent in a request with Certified mail to Experian ( as per USPS tracking, it was delivered on XX/XX/2021 ) requesting that Experian block the fraudulent information within 4 business days according to FCRA 605B. 

I have included with my request the following documents : - Copy of Police Report - Copy of Drivers License - Copy of Utility Bill ( Proof of Address ) - A detailed list of the fraudulent information As of today, XX/XX/2021, Experian failed to block the information from appearing on my credit file.
Product: Credit reporting or other personal consumer reports

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion all of the documents needed to show that this XXXX XXXX account is not mine. However it is still showing up on my credit.
Product: Debt collection

I contacted Midland Credit Management through their dispute option on their website in early XX/XX/XXXX. Midland Credit has re-aged a debt and is falsely reporting it. My last payment made to XXXXXXXX XXXX was XXXX ( This is stated in their own Important Disclosure Information ) XXXX charged off the account on XXXX. XXXX bought the debt on XXXX. They are using this date to age the account which is illegal. They refused to remove the account from my credit. Additionally, in this reply dated XX/XX/XXXX was a default judgement in the state of Texas dated XX/XX/XXXX. I had moved back to California in XX/XX/XXXX. Therefore, I could not be served. Nor was this the correct state to even bring this lawsuit. I had no knowledge of this as well as the fact that they were past the statute of limitations of 4 years in Texas. This would be the case in California as well. The re-aging of the debt allowed them to file this fraudulent law suit. The debt originated in California and last payment was made while living in California. The initial illegal act of re-aging this debt upon acquiring it has resulted in all of the illegal and damaging effects to my credit score and ability to purchase with credit. 
Note : My last name was XXXX on my XXXX  account.
Product: Credit reporting or other personal consumer reports

I have been contacting each credit Agency to inform them that it is a violation of the Privacy Act Of 1974. They are also in violation of 15 USC 1681 by reporting information without insuring that the information is completely accurate.
Product: Money transfer, virtual currency, or money service

I am reaching out in hopes that you are able to assist me in getting my money back from a scammer. On Friday XXXX XXXX, I sent {$240.00} via Zelle to a seller named XXXX XXXX XXXX XXXX ) for a jumpsuit I was purchasing from her on the popular ecommerce website called XXXX. I found her listing on there and after several back and forth bargaining she said she'd accept my offer if we did the transaction directly to avoid the 20 % seller fee from XXXX. After the payment and several follow-ups, I have not received any tracking information or updates. She stopped responding and has blocked me on XXXX. I've reported this incident to XXXX, Zelle and XXXX, but none of them are able to help me get my funds back, so I would very much appreciate it if you can assist in any way. 

The scammer 's Zelle account is under her phone number XXXX, and XXXX XXXX was the name she gave me. I also know that she lives in the west coast from our chats. 

Please let me know if there is any additional information or details needed.
Product: Checking or savings account

Purchase a product online and made the payment via XXXX -- - {$260.00} -- -never received tracking information nor the product was ever shipped -- -tried contacting the business via their website, email and phone and never received any response -- -posted complaint with my bank, Wells Fargo ref . no. XXXX, the FTC reference no. XXXX and FBI XXXX. 
It appears that my bank is not doing much to credit my funds that were spent, yet they promote XXXX!! If I had used XXXX, they would have just garnished the seller 's account funds and got my money back to me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the App Self with the intent of having them help me raise my credit score. I did everything they asked of me and paid the XXXX fee to make the transaction happen. After they took my money, a week later theyre saying they cant verify who I am. 

Now if you cant verify who I am then thats fine but they didnt return the XXXX dollars they took from me. Does this make any sense?? You cant verify who I am but you can take my money??? 

I asked them to refund the the money asap but they continue to say its non refundable which makes no sense as they didnt do what I paid for them to do. 

I either want them to honor our agreement or refund my money. Anything other than that is fraud. 

Thank you for your help with this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED REPORT AND NOTICE SOME INACCURATE ACCOUNTS REPORTING : XXXX XXXX reports different information to credit bureaus dates are incorrect and don't match causing my account to reflect negatively. they report to different account numbers. dates are not shown from first delinquency. payments show late payments but did not send out mail XXXX  days before due date to be able to report late date. report shows as credit card account or loan where no real cash amount was given per terms of service. 

VIOLATION 15 U.S.C 1681 602 A-4 : Law of privacy THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMER 'S RIGHT TO PRIVACY.

VIOLATION 15 U.S.C 1681 b 604 A PERMISSIBLE PURPOSE SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : # XXXX ; IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

15 U.S.C 1681 S-2 ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS 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. 

Account name : XXXX XXXX Account number : XXXX other number last XXXX : 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 a account without my written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reports 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 XXXX years. 

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

So I financed a vehicle from AUTOMOTIVE credit corp in XX/XX/XXXX and in XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSo during the beginning of my XXXX  I was able to contact the XXXX XXXX XXXX XXXX  where I got the car, I told them the situation they said that lender was trying to reach me but they couldnt. So I then gave them the towing company name so they can get the car because I was sent to XXXX  for 2 years I had the car for 5 months my credit report says I made XXXX percent off but the dates says last payment XX/XX/XXXX and account closed on XX/XX/XXXX kinda odd because I was XXXX  during that period I was released in XX/XX/XXXX I only had the car for such short time and the account shows closed 6 months after date of XXXX  I have no recollection to why it says last payment was on XXXX then closed the next month in XX/XX/XXXX also the vehicle has not been sold or else Id have a remaining balance left.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/JXXXX, 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 gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
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 XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.