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

XXXX may have violated specific privacy laws and regulations by sharing your personal information without your consent. Here are some relevant laws that may apply : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates how consumer reporting agencies handle personal data. If XXXX failed to ensure the accuracy of your information or shared it without permissible purpose, it could be in violation. 
Section 604 ( a ) : Specifies the limited purposes for which consumer reports may be shared, requiring explicit consent in most cases. 
XXXX. XXXX XXXX ( XXXX ) : The XXXX requires financial institutions and entities handling sensitive data to protect consumer information and provide notices about information-sharing practices. 
Privacy Rule ( 16 CFR Part 313 ) : Mandates disclosure and consent requirements for sharing personal data. 
XXXX. State Privacy Laws : Depending on your state, XXXX may have violated laws like the California Consumer Privacy Act ( CCPA ) or Arizonas Consumer Fraud Act if you reside in these states. 
CCPA ( California ) : Gives consumers the right to know what information is collected, opt out of its sale, and request deletion. 
XXXX. Unauthorized Use and Consent : Tort Law ( Invasion of Privacy ) : Publishing false or private information without consent can constitute an invasion of privacy, including false light or public disclosure of private facts.
Product: Debt collection

I want to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma for turning over a bill to XXXX different collections agency on a bill that shows a balance of XXXX. His date of his last service was XX/XX/20 I have contacted this office before about this debt that is not owed but they continue to send this to various collection agencies This bill is on my husband XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. 
Notice, Congress said ANY card. 
The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 
They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence 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 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 XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
Sincerely yours, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I made a payment to XXXX XXXX regarding XXXX XXXX XXXX XXXX to  settle the account in full under the condition that they would remove the account from all three credit bureaus. The company agreed. After numerous letters to Capital One, requesting that they send a contractual obligation bearing my signature, I have been unable to get the account removed. I was told that it would be removed. That has yet to happen and its been over a year. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having XXXX XXXX XXXX XXXX to remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so as agreed it needs to be removed from my report. Account Number as it appears on credit report XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : XXXX XXXX XXXX, took payment to close and remove this account on XX/XX/XXXX.
Product: Mortgage

On or about XXXX of 2021, I applied for a Mortgage re-fi with Quicken-Rocket Mortgage. Once the appraisal was reported I noticed several inconcistencies in the report. Including, comparables used that were not of the same or similar quality as my home, the report was incomplete in certain sections, the appraiser was a trainee.

I reached out to Quicken-Rocket Mortgage based on the instructions of my loan officer to discuss with their Appraisal Relations Dept, who were supposed to be the first line to appeal an appraisal. Without being given the opportunity to appeal the value I was told the report had been reviewed and that Quicken-Rocket Mortgage would let the low value stand. I was transferred to various people no less than 10 times with the offering that it would be taken care of only to again be told the appraisal would stand.

Quicken-Rocket Mortgage failed to explain to me how my site value is determined to be $ XXXX in value when the XXXX County Appraisal District shows my property to be taxed at over $ 38k and that is with my homestead exemption? Its also noted when the appraisal which came in at $ XXXX ( less than 6 months ago ) Quicken didnt seem to have a problem with me moving forward. 

There are no properties anywhere in XXXX with XXXX sf of even undeveloped land selling for $ XXXX, that is just ridiculous even to imagine. As a real estate broker, who actually does this for a living who is also not a trainee, I would like an answer to this question. How did my site value drop that far below an already discounted XXXX County Appraisal District assessment?

Quicken accepted an appraisal report that is incomplete to be acceptable. The entire Data Cost Approach section is left blank.

Quicken-Rocket Mortgage denied me the opportunity to appeal the value given in the appraisal by submitting new comparables or by challenging errors in the report.

Quicken-Rocket Mortgage told me they had not had any communications with the appraiser, however, I was told my the appraiser after I canceled my loan application with Quicken-Rocket Mortgage that he had in fact been contacted by Quicken-Rocket Mortgage and instructed not to communicate with me.

By not allowing me to appeal my value and not giving the appraiser the opportunity to correct errors in the appraisal, Quicken-Rocket Mortgage is causing yet another home belonging to a person of XXXX in an underserved neighborhood, to be reduced in value.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent Experian the attached letter via certified mail. I have the green cards that state these were received by the company. The accounts listed on these letters are fraudulent. I have presented all information required to have this information removed from my credit, as it is very damaging. See attached ID Theft Report, Police Report, Notarized Affidavit, SS Card, Driver Licence, and Utility Bill. Why has this not been removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Bankruptcy Court Georgia XXXX... I have previously disputed U.S. Bankruptcy Court Georgia XXXX XXXX XX/XX/2017 with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts have 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. 

- Account # XXXX Account Name-XXXX  XXXX XXXX -Account # XXXX Account Name- XXXX XXXX XXXX  -Account XXXX XXXX Account Name- XXXX XXXX XXXX -Account # XXXX Account Name- XXXX XXXX
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally dispute your claim of ownership and collection rights over the debt associated with the account in question. It is my understanding that you claim to currently own this account ; however, it is legally impossible for you to own a debt that the original creditor never properly owned themselves. This raises serious concerns about the validity of your claim. 

To address this matter, I am requesting that you provide the complete chain of title for this account, including but not limited to : Documentation evidencing the transfer of this account from the original creditor to any intermediate parties and subsequently to LVNV Funding, LLC. 

Proof that the original creditor legally owned the account prior to any transfers. 

I would also like to highlight that this debt was initially securitized by XXXX XXXX XXXX XXXXXXXX, into a special-purpose entity ( SPE ) trust. This securitization process effectively transferred ownership of the receivables to the SPE trust, thereby removing it from XXXX XXXX XXXX balance sheet. As a result, XXXX XXXX XXXX no longer retained ownership of the debt, making any subsequent claims of ownership or transfer invalid unless explicitly demonstrated through clear and documented legal processes. 

Without clear evidence that you have a legitimate claim to ownership of this debt, you do not have the legal standing to collect on it or to report it to any consumer reporting agencies. 

Additionally, continued reporting of this debt under your name without proper verification is a direct violation of the Fair Credit Reporting Act ( FCRA ). Reporting inaccurate information undermines the accuracy and integrity of my credit profile, causing unnecessary harm to my financial standing. 

I am formally requesting that you : Immediately provide the complete chain of title and any documentation evidencing your ownership of this account. 

Cease all collection activities related to this account until such documentation is provided. 

Ensure that all references to this debt are removed from my credit reports if you can not provide sufficient evidence of ownership. 

Failure to comply with this request may leave me with no choice but to pursue legal action to protect my rights under the FCRA and any other applicable laws. 

Please confirm in writing within 30 days of receiving this letter that : You have provided the requested documentation. 

You have ceased all collection activities related to this account. 

You have ensured that all inaccurate references to this debt have been removed from my credit reports. 

If you believe this matter requires further clarification or documentation, please contact me in writing at the address provided above. I expect your prompt attention to this matter and resolution in accordance with applicable laws. 

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

I closed a credit card with Citibank on XX/XX/XXXX. The choice of this date was purposeful, as the membership fee the prior year ( XXXX ) was charged on XX/XX/XXXX ( screenshot attached to this complaint ). I wanted to end the account before the next annual charge. Note that the membership fees are prepaid for the year following the charge, as can be seen by the description of the charge " MEMBERSHIP FEE XX/XX/XXXX'' charged in XX/XX/XXXX, thus on the day I closed, I did not owe Citibank anything XXXX 

I closed the card via phone on XX/XX/XXXX, and was assured by the representative that I would not be charged an annual fee. Citibank sent an email confirming cancellation on XX/XX/XXXX ( attached to this complaint ). Furthermore, at the time of closure, my balance was XXXX and there was no membership fee charged ( I have a screenshot to this effect, as I suspected this would be an issue, given their prior customer treatment ). 

The following day, on XX/XX/XXXX, I was charged a {$95.00} annual membership fee ( which they backdated to XX/XX/XXXX, I have a screenshot showing no charges on that date prior ), despite the account being closed, and despite being assured that I wouldn't be charged. 

I called Citibank back on XX/XX/XXXX, and was told that I would be given a credit on my account to offset the charge. Several weeks later, as of XX/XX/XXXX, I have received no credit to my account, and will be forced to make a payment or have a derogatory mark on my credit report for missed payment. 

On XX/XX/XXXX, I called citibank, and was on hold for XXXX minutes, then a representative hung up on me. I am continuing to get in contact with them, but can not get a hold of anyone who will help me. The representatives can not or will not do anything to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied by over 160 rental applications. XXXX, TransUnion and XXXX are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX XXXX and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.
Product: Debt collection

Resurgent/LVNV Funding is attempting to collect a debt from me that is not mine and the information and address they have on file is not mine. The debt was disputed and deleted by XXXX credit bureau on XX/XX/2022. However, the debt is still on my XXXX credit report and the debt collector is harassing me with emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter of denial from XXXX for a XXXX XXXX credit card, based on information supplied by Trans Union. They stated my application was denied because Trans Union reported there were " too few accounts with sufficient satisfactory performance '' and " insufficient number of credit cards on your credit report ''. 
I went on line, as directed, and could not get a credit report from Trans Union, I did get them from the other two companies. I then called Trans Union and the first representative could not assist me and I was transferred to XXXX, a supervisor, and she could not explain why my information with Trans Union was different from the other two companies. I asked why Trans Union could damage my credit rating while the other two credit reporting companies gave me a much higher credit rating and she could not answer the question.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX18 I received a letter from Experian that a dispute I sent by mail was suspicious. I was informed that my dispute was not going to be processed because that that reason. I was also informed to dispute online and I had to accept there terms and conditions and accept online dispute results, which I do not want to accept either. This is unfair and I am only exercising my right to dispute by mail. This is why I can not get any results to the fraudulent inaccurate reporting of debt on my personal credit report.
Product: Debt collection

XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by XXXX Funding Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

XXXX Mail XXXX Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Cetified Mail XXXX Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX  To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, XXXX XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$3100.00} from XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/XXXX  According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX