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

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Charge Off XXXX XXXX XXXX {$280.00} Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$3300.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX {$760.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX {$720.00} Date Open : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX {$1000.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX {$640.00} Date Open : XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. Equifax and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as Equifax and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to Equifax, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet Equifax and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which Equifax and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Debt collection

XXXX   XXXX  . This has been going on since  XXXX . They contacted me by phone several times over the past few months, in which I requested written proof of the debt in question. I asked for proof and even went to dispute it, but I was told it was easier to pay it off. In which I have paid monthly payments of {$50.00} to {$150.00} and now find out that not only is the debt in dispute, the total amount was charged off and I do not owe any money and that it was paid by my insurance company. Not only am unsatisfied with their operation, practices, but false names false acquisitions and finally, They WITHDREW {$50.00} ON  XXXX / XXXX /  XXXX   YOU WERE NOT AUTHORIZED TO DO.   I do not have any responsibility for the debt they are collecting, I told them if I am responsible for this debt, mail me the documents that make you believe that. THEN THEY stop all other communication with me and with this address under  XXXX , and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and sent it to another DEBT Company and also would not indicate to them that it is disputed. reported it to a credit bureau, also report that the debt is disputed. I contacted the BBB, They have numerous slanderous complaints. They do this to people under different names. i even told them  THEY  were being recorded and they changed their name and hung up.     Thank you for your cooperation.   Sincerely,  XXXX   XXXX ,  XXXX .    XXXX  see :  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  https :  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items are unknown to me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, XXXX XXXX and I concluded our auto loan agreement, I sent emails and placed several calls from XX/XX/XXXX til XXXX of XXXX asking that be removed from all 3 Credit reporting agencies since the loan is closed and no issues occurred. The various representatives assured me that the information upon closure of the account in good standing would be removed from all credit reporting agencies within XXXX days of closure providing there are no outstanding issues with the loan agreement. To date, XXXX XXXX, has blatantly refused to remove the information from the credit reporting agencies, XXXX, Transunion, and XXXX. I filed several disputes with all three agencies and they refuse to remove this information. This eggregious act has and continues to cause financial harm to my family and I as I seek out additional credit opportunities and Im being denied due this company and the Transunion, XXXX, and XXXX refusal to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with Transunion and XXXX ; I made a formal complaint with XXXX, and Transunion and both companies failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my XXXX and Transunion reports within 5 days, or I will move forward with litigation and remedy. I also demand that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Product: Debt collection

XXXX XXXX XXXX is attempting to charge me for an {$200.00} insurance bill that does NOT belong to me.
Product: Prepaid card

I received this card as a gift. After registering the card, I've tried using it online but the card declines. On XX/XX/2023 I contacted American Express about this and they stated that they " are protecting my funds '' and to " please use at online merchants that require the Card number, expiration and security code ''. This appears to be a common issue with this card but the company will not acknowledge that there is a problem.
Product: Credit reporting or other personal consumer reports

I purchased a car in XXXX and the loan provide at the time was XXXX. This car was totaled and paid off by XXXX in XXXX. I never missed a payment or had the car repossessed. Both Experian and XXXX have derogatory comment listed on my credit report. Redeemed or reinstated repossession/fixed rate ( XXXX ) and redeemed repossession ( Experian ). I sent a letter to XXXX ( who bought XXXX and services the loan ) with this information and did not receive a response. I also called and spoke to an associate and they could not find where this vehicle had been repossessed. I reported this to the credit agency and they denied the request. Ive also attached information confirming the car that was totaled was the car connected to the account in question. XXXX XXXX
Product: Credit reporting

I requested my annual credit report and i was sent a letter stating i had to provide proof of identity such as a utility bill. I sent a copy of a current electric/utility bill from XXXX and then i got a letter stating again stating that i needed to provide proof of identity with the same forms of identification listed on the form such as an eletric bill. I also have a security freeze since my identity has been stolen in the past and when i go to transunions website, it allows me to sign in but starts flashing and flicker. i know its not the computer or the internet because i was able to temp life the freeze from other credit reporting agencies. transunion has blocked me from my own info and even when i provide verification of who i am and my current address, they still will not provide me my credit report. their online credit report request asks me questions to try and verify me that has nothing to do with me and does not pertain to me so it denies me the ability to get into my credit report online because the questions that they are asking do not pertain to me. Im not sure why they changed my information but i would like them to stop blocking me and correct the wrong information they set up to keep me out of my own credit file. I can get to my credit report from XXXX but not from XXXX or transunion and transunion will not let me temp remove the freeze even though i have my password and pin number to do so.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made. 

When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( XXXX ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), consumer reporting agencies are required to carry out their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not unlawfully shared. 
This right is further upheld by 15 USC 6801, which mandates that financial institutions have an ongoing duty to protect the security and confidentiality of customers nonpublic personal information. XXXX XXXX, American Express, and XXXX XXXX XXXX as financial institutions, are bound by this obligation.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. XXXX XXXX, American Express, XXXX XXXX XXXX XXXX, XXXX, and XXXX do not have my written consent to furnish or report my information. Therefore, I am revoking any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 
Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to opt out. XXXX XXXX, American Express, and XXXX XXXX failed to provide me with this required disclosure, violating my rights under this statute. 
Furthermore, 15 USC 1681c ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report that is more than seven years old, except for criminal convictions. These accounts are adverse items being reported without my consent, which is a violation of federal law.

Under 15 USC 1681s2 ( A ) ( 1 ) ( A ), furnishers of information must not provide inaccurate information to consumer reporting agencies if they know or have reasonable cause to believe it is incorrect. Additionally, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations of Section 1681c and to ensure that reports are only furnished for legally permitted purposes. XXXX, XXXX, and XXXX are failing to uphold these legal requirements. 
Lastly, under 12 CFR 1016.7, consumers have the right to opt out of information sharing at any time. I am exercising my right to opt out of their reporting services effective immediately.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
Product: Debt collection

I was in a XXXX  XXXX bankruptcy that was dismissed in XXXX of 2020. I had a vehicle that was part of the bankruptcy and the original account was sold to a collection agency, Portfolio Recovery Associates. I never got any notice claiming that there was a balance owed and didnt know that until I called to inquire about the title. I was told that there was a balance on it. I asked for written verification but never got it. I still have the vehicle and I am trying to sell it to a dealership but they need a 10 day payoff letter. I have called and emails the person that I was referred to at Portfolio but she has not gotten back to me with a payoff letter or any other debt verification. I can seek the vehicle quickly and get them their money quickly but they dont want to help by getting me a simple payoff letter. All I need is a 10 day pay off with the per diem and an address to send the money to but again they dont want to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  on my credit report was not mine it was determined by the police that this credit card was used to pay a cable bill at an address I never lived at
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of specific items on my credit report, as detailed in my attached dispute letter and notarized affidavit. As a verified victim of the XXXX Data Breach, my personally identifiable information ( PII ) was compromised, leading to unauthorized accounts and inquiries on my credit file. Notably, the account " XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ) '' resulted from this breach. Reporting this account without my explicit consent violates the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. Additionally, I am concerned about Experian 's dispute-handling practices, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian on XX/XX/year>. The CFPB alleges that Experian conducts inadequate investigations into consumer disputes, fails to convey all relevant dispute information to furnishers, relies on furnishers ' responses without proper review, and reinserts inaccurate information into consumer reports.
Product: Credit reporting or other personal consumer reports

This is related to my initial complaints. I have completed my identity theft kit as the XXXXXXXX XXXX requested. I am victim of identity theft. I have discovered that my accounts were compromised. I reported these to you and you helped me remove some of them and for that I am thankful, but some items require more information and they were left on my reports. Please help me. I am already XXXX and I have no one else to help me sort this out. Life has been really hard since the pandemic hit and I need my credit report to to apply for loans but I can't get approved because these fraudulent accounts and inquiries. Please remove them ASAP. This is my last shot in life. I have reported this to the credit bureaus but they don't seem to care. I have attached in this report my FTC report as well my ID, SS card copy, and proof of address.Here are the fraud accounts and inquiries that I need to be removed : FRAUD ACCOUNTS : XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have paid them because they kept on harassing me even after I notified them that my identity was stolen. I've disputed that account and we are still fighting about it. It was an unauthorized charge. They don't want to support me. So I keep disputing it. That blood money was paid in full directly to the branch manager XXXX XXXX. He can vouch for this. I have attached the proof as well. I have contacted XXXX XXXX about their situation. I have the statements proving that there was 2 years between the first charge and the one in question. They have opened another dispute about it. Also I called XXXX XXXX to see if the manager was still there that I worked with. But he wasn't. They don't even know the account I'm talking about. How can they put a bad mark on my credit if they don't even have an account number??? They said they would try to help. But I'm not gon na hold my breath.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXXXXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXXXXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my Account # XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my XXXX XXXX but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXXXXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to check from your end if you have either received or not my previous letters via mail and via CFPB? It seems that I havent obtained any resolution from you guys with the result of my request for reinvestigation and the removal of all the disputed negative items. I have already told your department a couple of times about these inaccurate and misleading accounts below that they should be automatically removed since they werent supposedly issued on my credit report in the first place.