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

On the seventh day of the month of XXXX in the year XXXX, I, XXXX XXXX, the federally protected consumer, identified a clear violations of Fair Credit Report Act ( FCRA ) Privacy Act of XXXX, Gramm-Leach-Bliley Act ( GLBA ) and Regulation P ( Privacy of Consumer Financial Information ), on my consumer report from TransUnion, XXXX, and XXXX, the consumer reporting agencies. I am writing to express my deep frustration and concern regarding the gross  inaccuracies in my consumer report and the subsequent violation of my privacy rights. The errors in my report have caused me significant financial harm and distress, leading me to lose all faith in our banking system. 

The violating information relates to an account with XXXX / XXXX XXXX XXXX, a financial institution, account number XXXX. Specifically, TransUnion, XXXX, and XXXX are reporting inaccurate and inconsistent information regarding the Account Type Detail, No. of Months ( terms ), Payment Status, Last Reported, Date Last Active, Payment History : XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX which violates section 602 subsection ( a ) and ( b ) of the FCRA These direct violations of section 607 subsection ( b ) of the FCRA which states : Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states that the term " consumer report '' does not include : " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Payment history, when reported by a financial institution, reflects my direct transactional experiences as a consumer. Furthermore, TransUnion, XXXX, and XXXX are nonaffiliated third parties to XXXX / XXXX XXXX XXXX  and pursuant to GLBA and Regulation P section 1016.7 ( a ), XXXX / XXXXXXXX XXXX XXXX rights and powers to share my nonpublic personal information have been revoked, meaning information such as Payment History has been reported illegally. 

These violations have resulted in emotional pain and suffering, a significant and unlawful reduction in my credit score, denial of credit applications, higher interest rates and denials in opportunities for employment.

I remind you that under Fair Credit Report Act ( FCRA ), Privacy Act of 1974, Gramm-Leach-Bliley Act ( GLBA ) and Regulation P ( Privacy of Consumer Financial Information ), you are obligated to ensure the accuracy and lawfulness of the information you report. This outdated information is negatively impacting my credit score and does not accurately represent my current financial situation or creditworthiness This information requires amendment to reflect a non-adverse status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/AIDVANTAGE as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on Experian, XXXX on XXXX, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my XXXX XXXX and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I contacted H Gregory XXXX XXXXXXXX XXXX  Hgreg.com XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX and inquired about purchasing a car from they company. On XX/XX/2019 I wire transfer {$8500.00} to there bank account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I spoke with a XXXX XXXX XXXX in references to the car I would like stock XXXX. XXXX XXXX indicated it had an A/C problem and the car will be available that XXXX XXXXXX/XX/2019 and he recommended that I used a inspection company XXXX XXXX XXXX XXXX  to inspect the car before I ship to XXXX XXXX XXXX XXXX XXXX On XX/XX/2019 they company I hired to inspect the car call and stated they can not because the car was not available. I call XXXX XXXX to find out what the problem and he stated they have not received the car from there XXXX department and don't worry they could come back on XX/XX/2019 to inspect the car which they tried again and car was not available. I contact XXXX XXXX for my money to be wire back into my account and as of today date I have not received my {$8500.00}. 

I would like some kind of help to get my money wire back into my account. 

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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$260.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report, and I cant figure out why. I checked my credit report as I usually do, but this time, there were unexpected discrepancies. I tried refreshing the page, thinking it might be a technical error, but the unauthorized inquiries persisted. Im asking for a thorough check of the documents Ive sent to make sure this issue is fully resolved so that I can stop stressing over it.
Product: Checking or savings account

On XX/XX/XXXX2022 I went to a Huntington branch in XXXXXXXX location at XXXX XXXX XXXX XXXX, XXXX, IL XXXX to make a deposit into my checking account. I provided the bank teller with 2 cashiers checks and my driver 's license- I was presented with a receipt with the deposited amount and the last 4 digits of an account number. The bank teller advised to give it 24 hours to utilize the funds. On XX/XX/XXXX 2022 I checked my account online and the deposit was not there. I received a phone call from a relative who also has the same mailing address asking about my deposit- he advised that the funds had been deposited into his account on XX/XX/XXXX22 in the same amount that I deposited. As of today, my funds have not been returned to my account and I am currently in the negative. Although when I spoke with the branch manager I was told the issue would be resolved within 2 days.
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 15 USC 1681. 

Account Name : 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  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 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 or credit management

I only used the Apple credit card for one company XXXX XXXX This company turned out to be a scam. They did not deliver the product because it was a scam. XXXX guarnteed me that I would be secured in this purchase incase this XXXX was a scam. 

I have paid a full balance of {$1600.00} as of XX/XX/2023 to {$0.00} balance. 

I disputed the charges because the XXXX company did not fullfill the delivery of the services. 
Which included XXXXTop page of XXXX Search, XXXX/ Advertisment/ and lifetime serivces. 


On Wednesday Apple Card team at Goldman Sachs, sided with the merchant. They completed an investigation, and contintue to send me bills for this card. In which I paid the balance {$0.00} and cancled the card with the merchant with no futher balances due. I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a method of verification to to Experian and i didn't get no response. I have sent 2 letters and this is ridiculous. I am up freaking upset because my credit report is reporting inaccurate information and it affecting my life. Its been more than 30 days and they had 15 days to verify or they must delete by law and they didnt do either. So this is violation based on my research of the FCRA law. Next i will be emailing the attorney general with this issue because this isnt fair. I know they recieved the letters and didnt do anything to verify the accounts which is a violation.
Product: Credit reporting or other personal consumer reports

According to 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, TransUnion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 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. 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 XXXX reporting agencies XXXX, TransUnion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TransUnion, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 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 never informed me of my right to exercise my nondisclosure option. Not only that 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 again 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, TransUnion, and XXXX are not maintaining reasonable procedures. Also 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: Vehicle loan or lease

XXXX XXXX spoke with representative that say my car wont get repo XXXX XXXX was wrongfully repo XXXX XXXXreinstated my car XX/XX/XXXX, XXXX sold my car paid off auto loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and according to 15 usc 168i5 I waited 30 days and received my investigation and notice was still the same. the consumer reporting agencies which is XXXXXXXX XXXX and transunion did not modify or removed anything late payments are not correct please i would like you to remove the late payments which is a violation. this is impacting me from moving forward to buying a house for my family i attach my previous credit report and my new credit report to show how experian violated my rights the date open is no correct.date las active is not correct on all three credit reports, date last payment is not correct on three credit reports
Product: Student loan

In XX/XX/2006 i attended XXXX XXXX XXXX XXXX, I currently have {$26000.00} in student loan debt. XXXX XXXX XXXX was not fully accredited, none of my credits transfer. the program closed soon after the college itself was shut down.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute Regarding Inaccurate Reporting of Sold Debt Violation of FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file, which appears to violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. 
The debt in question was originally held by XXXX  XXXX and was subsequently sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, I did not receive a Form XXXX from the original creditor, which is typically issued when a debt is canceled or forgiven and considered income by the IRS. 
As you are aware, accurate and complete reporting is required by law, and the lack of a XXXX raises concerns about the legitimacy and accuracy of the reporting of this account. It also creates potential tax implications for me, as the debt could be improperly reported as taxable income. 
Pursuant to 15 U.S.C. 1681i, I am requesting that XXXX : XXXX. XXXX a thorough reinvestigation of this account and verify its accuracy with the original creditor and collection agency. 
2. Remove or correct any inaccurate information regarding this debt from my credit file immediately if it can not be verified as accurate and compliant.

To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed. 

A copy of my ID and proof of address for verification purposes. 
Please note that you are required to complete your reinvestigation within 30 days of receiving this letter, per FCRA regulations. I expect a written response regarding the outcome of your investigation, including any corrections made to my credit report.

Requested Action : I kindly request that you : 1. Conduct a thorough investigation into these accounts.

2. Provide me with the results of your investigation within 30 days as required by law. 
XXXX. Remove the aforementioned items if they can not be verified as accurate. 

Thank you for your attention to this matter. I look forward to your response. 

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

ON XX/XX/year>, I MAILED COPIES OF MY FTC REPORT, POLICE REPORT, AND IDENTITY INFORMATION TO ALL XXXX CREDIT BUREAUS REQUESTING THAT ALL ITEMS LISTED ON MY FTC REPORT BE DELETED. ALL XXXX COMPANIES HAVE YET TO DELETE THESE ITEMS. ALL ITEMS LISTED ARE IDENTITY THEFT ACCOUNTS AND DO NOT BELONG TO ME. I HAVE CONTACTED ALL XXXX BUREAUS AND INFORMED ALL AGENTS THAT I AM NOW NOT HESITATING TO TAKE LEGAL ACTION.
Product: Debt collection

I have contacted XXXX XXXX numerous times to explain this debt does not belong to me. Unfortunately, I do not have all the exact times and dates that I have contacted them. 

I have requested the original signing contract for this debt and all they send me is a bill with my name and account information. They have stated they are not obligated to prove anything to me. 

I have also spoken to several representatives that have stated unless I go get a police report they were going to report this debit to the credit bureaus as well sue me in court. 

I had to send a seize and desist letter to them to stop harassing me. They have also called on my work phone number at all times of the day and night. They have continually harassed me even though this debt does not belong to me. 

The original creditor XXXX XXXX XXXX states I have to communicate with this agency, because they have written the debt off and its no longer their problem. 

Please, assist me with proving this debt does not belong to me.
Product: Credit reporting or other personal consumer reports

To whom it may Concern, My name is XXXX XXXX and reporting violation on my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am the Consumer. 

I have the right to make sure my private information isn't shared which is backed by 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. 

Any and all consent to XXXX, Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 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 again 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, TransUnion, XXXX are not maintaining reasonable procedures. Also 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: Credit reporting or other personal consumer reports

Called Experian today XX/XX/year> to dispute the hard inquiries that are showing on my credit report. Advised them that I didn't authorize any of the inquiries and that I request its immediate removal under the FCRA, 15 U.S.C. 1681 et seq., and all applicable laws. I was advised by the agent that they can't remove inquiries and that I needed to call the companies that made the inquiries. I then advised that I don't understand why I would need to call the companies if they are unauthorized hard inquiries. I was told that is their process.
Product: Mortgage

Parents filed a bankruptcy and the bankruptcy court went after my husband 's job and garnished his pay. We were in this process for years. They took money from his salary and the debt was paid and they still took money from my husband 's salary. They put our home in bankruptcy, my parents did not own a home. 
Now they have discharged the bankruptcy and our home has a sale date. 
NationStar/Mr. Cooper refuse to work or speak to us about our own home. 
They will only say we have a sale date and their is nothing we can do about it. 

They had an inquest and received a judgment of foreclosure and we were never notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have a permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I will file a CFPB, FTC, XXXX, and Attorney General compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, CXXXX 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 my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly appreciated