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

On XX/XX/XXXX, I wrote to XXXX, XXXX, & equifax requesting an re-investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ). you will be liable for you willful non-compliance Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these account has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I request the following accounts be verified or removed immediately :
Product: Credit card or prepaid card

We decided to do a debt counseling program on one credit card, XXXX. The next thing we knew the other credit cards were being closed without our knowledge. We didn't authorize them to be closed. They were all link to Synchrony bank. Isn't this considered bad business and consumer abuse.? Are we not covered by the consumer protection, and rights??
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

Ok so I went through a really harsh divorce which almost left me to file for bankruptcy, my ex wife just picked up left used my credit maxed it out, I was still having to pay all the bills from the residence she took off from plus a brand new car note also, so we went through litigation she still ended up getting a very good amount of equity even though she never helped with the bills ive Helped her get her degree from XXXX, fixed her credit score and put her on my savings account from money that was inherited to me so in the end judge call everything community property even though she never earned that money she still maxed out my credit so she got away with clean XXXX I got XXXX but I had to repaid all my collectors which I did and I dont know why they just cant delete my accounts I feel like theyre my ex wife just please deleted they know they got paid!! Why are they playing stupid like they didnt I just want my credit back to a normal at least XXXX so I can move on with my life and Im talking about all of the creditors they got their money I got letters from them saying is payed off why are the credit houses being such A holes for I just want to move on with my life thats all
Product: Debt collection

XX/XX/2019, I called the Creditor for CNAC, I wanted to start making payments on my past due amount, {$25.00}, and they would not accept payment that low, they said the lowest that they could accept is {$200.00}, I them I can not afford {$200.00} a month, that's why I called them it offered $ XXXX   month. Even though I am the one that called them to set up something to work on the balance, I was denied a payment agreement.
Product: Debt collection

HUNTER WARFIELD IS IN VIOLATION OF MY CONSUMER RIGHTS. THIS COMPANY HAS VIOLATED THE ORDER TO CEASE AND DESIST FROM CONTACTING ME BY PHONE AND VIA EMAIL. HUNTER WARFIELD HAS VIOLATED THE ORDER TO CEASE AND DESIST. HUNTER WARFIELD HAS VIOLATED : 15 US Code CHP. 41 1601 - THE TRUTH AND LENDING ACT AGGRAVATED IDENTITY THEFT - 18 USC 1028 A 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 15 US Code 1681e ( b ) - COMPLIANCE PROCEDURES ; MAXIMUM ACCURACY 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 15 US Code 1692 G - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 15 US Code 1692 C - VIOLATION OF REPORTING A COLLECTION 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 15 U.S. Code 1681 b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE OF CONSUMER REPORT 42 U.S. Code 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER 15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 15 U.S. Code 1681 Section 602 A Section 2 15 U.S. Code 1602 - Rules and constructions 15 U.S. Code 1681 s -2 - Responsibilities of furnishers of information to consumer reporting agencies VIOLATION OF ORDER TO CEASE AND DESIST 18 USC 1028 A - AGGRAVATED IDENTITY THEFT I DID NOT CONSENT TO GIVE MY NUMBER TO ANY COMPANY. THIS ACT WILL NOT LEAD INTO LEGAL ACTION.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXXXXXX Maryland FCRA Laws Dear MIDLANDCRE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws applicable in XXXX XXXX , Maryland.

It has unequivocally come to my attention that MIDLANDCRE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Maryland state law emphasizes the necessity of consumer consent for credit reporting. XXXX XXXX 's identity fraud laws underscore the severity of unauthorized access and misuse of personal information, adding another layer of protection against such violations. 

I assert with unwavering certainty that I have not provided consent for MIDLANDCRE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MIDLANDCRE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Maryland laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Maryland state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MIDLANDCRE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian are reporting inaccurate information onto my credit report. 

No of terms High credit Date last active is a year off INACCURATE Date of last payment is 3 years off INACCURATE
Product: Credit card

The wrong payment is for my apartment rent. For the rent of XX/XX/2024, since I set up auto-pay, the rent is automatically deducted from my credit card. However, I paid the rent of XXXX manually by splitting it into two halves. OnXXXX with the same credit card. The other with a checking account. I contact my apartment, and they asked me to dispute from the credit card bank, i.e. Chase. I contact Chase and submit the dispute twice. Each time, they said after investigation, the transaction is valid and I still need to pay. I already followed their instruction to provide bank statements of the two payments I manually paid. They didn't give any concrete reason about why the dispute is not approved. 
Please check the attachments for th
e two bank statements ( the payment ones are marked with arrow ), as well as the screen shot from the apartment website ( the red one is the wrong one and two yellow ones are correct ones ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX SXXXX 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 acount without my written instructions
Product: Debt collection

This complaint is against THE CBE GROUP XXXX XXXX XXXX XXXX, IA XXXX. I have no contract with this 3rd party debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer reports without my consent. You are in violation of the FDCPA if this account isn't removed from my consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX. I have never done business with XXXX XXXX delete this from my consumer reports. I am also questioning the account balance listed own my consumer report shows {$390.00} but why is the original balance {$390.00}? 

I also have the right to privacy I need this deleted/ removed because I never gave you consent. You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account but the name of THE CBE GROUP? 

If this is a collection account how can you put a status of " COLLECTION ACCOUNT. {$390.00} past due as of XX/XX/2023 ''? I have never opened an account with THE CBE GROUP remove and delete this immediately. 

Why is there a date opened? I have never opened an account with THE CBE GROUP and if I have where is the evidence that gives you the right to report this on my consumer report? DELETE/ REMOVE.
Product: Credit reporting or other personal consumer reports

Entrata INC made a rental inquiry on my credit report without my knowledge and put a Hard Inquiry on my credit report just for me applying for an apartment, I've never had a Hard Inquiry put on my credit report when applying for an apartment, this is unacceptable and unprofessional for a Tenant screening to put a Hard Inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My original mortgage was with a company called XXXX. I have had this mortgage since XX/XX/XXXX.  XXXX was merged with a company called PHH, and beginning on XX/XX/XXXX PHH took over. This new company began reporting information to all of the credit reporting companies on problems I encountered years ago, XX/XX/XXXX-XX/XX/XXXX. The first was past due on accounts, which wasn't true. I contacted both mortgage companies, and they withdrew that notification.It has been removed from my credit reports. Now, PHH has notified the credit reporting companies that my loan was " modified ''. Yes, it was, in XXXX. They are reporting this again, even though XXXX had done so, when it took place. After 10 years, it dropped off the reports, and now thanks to PHH, it is back on again. This has caused my fico score to drop, my credit limits have been reduced and it should not be on the report to begin with since it was so long ago. I am sure I am not the only home owner that went through loan modification during the real estate meltdown. I worked very hard to recover and improve my credit scores, only to have them destroyed by this company for no reason.Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a  XXXX , my low was a  XXXX  from  XXXX  and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has  one  piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies,  ( 3  ) mortgages over $  XXXX  paid in full, never late, no bankruptcies and I am a  XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.
Product: Debt collection

I had my bankruptcy chapter XXXX discharged in XXXX 2018. I did not keep my vehicle and I surrendered it at a dealer. BMW put me out to collections for {$32000.00} 3 months later - despite the debt being fully discharged and the car being their possession.
Product: Credit reporting

We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted TransUnion, XXXX, and XXXX in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.
Product: Checking or savings account

With XXXX XXXX a fraudulent check was deposited into my account via mobile deposit which wasnt made by me my login information was compromised my phone which is unlocked with no password was lost and stolen and I had to get a replacement phone and after that happened fraudulent activities has occurred on my account and now XXXX  XXXX has reported that debt as a collection on my report and it dose not belong on there and it wasn't done by me because as I stated I was a victim of identity theft.I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX. 30 DATE LATE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX OF 2021. The company lowered the interest rate, The bill was paid in full. I was penalized on my credit report 30 day late doing the COVID NATIONAL EMERGENCY IN 2021.
Product: Consumer Loan

KEY BANK REFUSES TO SEND MY A MONTHLY STATEMENT TO PAY THE LOAN ON TIME. I SET UP AUTO PAY WITH THEM THEY TRANSPOSED MY BANK ROUTING NUMBER AND NEVER CONTACTED ME TO PAY THE BILL. KEY BANK THEN PUT THE LOAN INTO A REPO STATUS. WHEN I CONTACTED THEM THEY REFUSED TO TAKE AN " ACH '' PAYMENT OVER THE PHONE. THEY TOLD ME THAT I HAD TO GO TO A KEY BANK BRANCH WITH CASH OR WIRE IT TO KEY BANK USING A XXXX XXXX WIRE. 

IT TOOK THEM OVER 20 DAYS TO PROCESS THE CASH WIRE HOLDING UP MY SONS COLLEGE LOAN UNTIL I COULD GET CONFERMATION THAT THE LOAN WAS UP TO DATE. I HAVE HAD THE LOAN FOR OVER TEN YEARS. 

ALSO THERE ARE NO LONGER ANY KEY BANK LOCATION IN THE ENTIRE STATE OF XXXX. 

EVERY MONTH I HAVE TO CALL A KEY BANK BRANCH MANAGER IN XXXX AND HAVE HIM LOOK UP MY ACCOUNT AND EMAIL ME A STATEMENT BECAUSE KEY BANK STILL REFUSES TO SEND ME A MONTHLY STATEMENT. I BELIEVE THAT THIS IS DONE ON PURPOSE TO INCREASE LATE FEES FOR THE BANKS. I BELIEVE THAT THIS IS PREDITORY LENDING AND SHOULD BE INVESTIGATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX  Balance : {$44.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX.