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

Good afternoon, All of my information was recently exposed in a data breach. According to 15USC 1681, I have the right to privacy. This data breach exposed all of my information including but not limited to sharing my charge offs with companies, bankruptcy, and all derogatory information all of which should have been deleted in 2021. However, this is still reporting and preventing my score to increase. 
Please check that this is removed especially since my information was exposed in this breach. 
Thank you,
Product: Mortgage

Foreclosure.New investor refused to work out any alternatives after purchasing my mortgage while it is in foreclosure litigation.Wells Fargo never provided me with alternatives to help me keep my home.I agreed to a modification, paid 5 double payments, then was denied a modification.Wells Fargo was forced to buy back my loan from XXXX XXXX, then sold it to a investor who buys nonperforming loans.Wells Fargo was paid in full for my loan and now trying to auction my home off. Will cause my XXXX, XXXX family members and myself to become homeless while our home sits in destruction.
Product: Debt collection

I received a letter dated XX/XX/2018. I received a call from them on XXXX-18 stating that the original debt owner wanted them to proceed with a lawsuit. I feel that this is harassment as according to their own letter I am still with in the 30 period to dispute the debt in part or as a whole and to have the debt verified. I asked them to call me back on XXXX-18 so I could discuss with my wife to determine our options. The time agreed to came and I decided to write this while I decided to have the debt verified.
Product: Money transfer, virtual currency, or money service

I happened to be arrested on XX/XX/2022. I was in holding until XX/XX/2022. While I was incarcerated my ex roommate stole my wallet that included this PayPal debit card amongst various other debit and credit cards. He also stole some of my electronics to include a phone and a laptop and my car while I was XXXX. When I got out of XXXX I noticed about a week or so later that my accounts were used while I was in XXXX I started contacting all of my creditors about what happened and they all reversed any charges that was not mine while I was XXXX besides Paypal! This dispute was opened XXXX XXXX and closed out and denied the very next day on XX/XX/XXXX. I don't even think anyone looked at my claim for unauthorized charges. Once I have learned that paypal denied my claim, I immediately contacted PayPal to say there is no way I could of made these purchases because I was physically unavailable and provided them a letter from the XXXX XXXX that shows my XXXX dates. However this was not good enough for them. PayPal 's position is that since the debit card was used and a pin was used that I must of given him permission to use my accounts. However XXXX has declared that is not a sufficient reason to deny a claim for unauthorized usage and I supplied them with XXXX 's determination, however they still denied my claim. I then filed a police report and supplied them with all of that information to no avail and never had these reconsidered again! This is utterly ridiculous as I was not available for these transactions, I did not give the person who stole the information my cards and credentials and these should be covered under XXXX and PayPal zero liability benefit for unauthorized usage of my account. Please help me try and recover from these 7 unauthorized charges to my account! Thank you.
Product: Debt collection

I am in the XXXX and was a tenant at XXXX XXXX apartments in XXXX, FL from XXXX. XXXX of XXXX I was notified of a short notice XXXX XXXX in support of XXXX XXXX in the XXXX XXXX. I provided a letter from my XXXX XXXXXXXX to the property management company informing them that I was going XXXX and needed to break my lease. The move out date I selected was XXXX. I moved out and cleared my residence with no issues on that day. Two weeks ago I received a debt collection on my credit report for just about $ XXXX. I contacted the management company via telephone and informed them that they needed to fix it immediately. The next day the debt collection reduced from $ XXXX down to roughly {$580.00}. I have since called the several numbers at the property management parent company at least 15 times and HAVE NOT been able to reach an actual person to resolve this issue. The price breakdown that I received from the debt collector showed that the {$580.00} is for rent from XXXX through XXXX. This is CLEARLY after i moved out. On XXXX XXXX I sent a copy of the XXXX XXXX that covers rent for military members to the debt collector. I have not received a reply. Last week i also sent an email request to the debt collector asking for a copy of the lease agreement. I have not received a reply to that email either.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting or other personal consumer reports

Over the past TWO YEARS, Experian has been verifying and updating accounts without proper verification and investigation. So, lately, I've decided to take it to CFPB to get justice. I filed a complaint with CFPB on XX/XX/XXXX. Experian already responded to it by opening AND completing two disputes, dispute numbers : XXXX and XXXX. They did nothing but open and close the dispute on their end. No investigation was done. I will be attaching another dispute letter to this complaint as well so that you can provide me with your findings from the investigation and methods of verification. Included in this letter is also my proof of identification and residence : SSN Card Utility Bill, and License. Thank you!
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and I saw the account listed below. I am confused on why this account is showing on my consumer report. I do not remember receiving any disclosed information about this account being able to report to such third parties as XXXX, XXXX, and Equifax. 
Account Name : XXXX : XXXX Account Number : Could you please send all my disclosures per USC 6802 ( b ) that should have been conspicuously disclosed to me before reporting my non-public personal information to an unaffiliated third party ( XXXX, XXXX, & Equifax ). I understand I have an obligation to pay on this account, but I do not want my personal nonpublic information displayed to third party consumers. 
I do not mean to come off too forward, I am just exercising r rights to opt out of having my information reported per 15 U ; 6802. 
Could you please either send my disclosures showing my written permission to display my personal nonpublic information to these third parties or delete these accounts from my consumer report? 

Respectfully, XXXX XXXX I they have all my loans in DEFAULT DUE TO INCOME except these 3. They have also changed the loan providers name. 

I have contacted them time and time again to explain to me why these 3 are not in XXXX or default as well.
Product: Debt collection

Creditors Specialty Svc of NV inc informed me that a car I owned was towed after I sold it, I told them I had sold it and they asked for proof so I called DMV and the representative told me that the towing company contacted the DMV to see who the past owners were and they also told me this type of thing happens all the time that they try to collect from any one who use to own the vehicle, they sent me documents that show that I indeed completed the release of liability. I called the collection company and told them the name of the person we sold the vehicle to but we still are receiving threats from the collection company and its been over 3 years since I received the first collection notice.
Product: Credit card

I got a XXXX XXXX Credit Card ( Mileage Plus Explorer issues by Chase ) primarily because it promised an extra bag for me and my wife when we travelled together. we purchased tickets to XXXX and since we were going to be away for four months we packed XXXX bags each. when got to the airport and started checking in, imagine our surprise when we were required to pay {$200.00} for then extra bags ( the check-in terminal advertised the free extra bag ) since they said the extra bag only applies to domestic travel. This is clearly misleading advertising since that limitation was hidden far down in the card description.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXX Balance : {$300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because of items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX # XXXX, XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX CR UNION, XXXX SB.
Product: Credit reporting

There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX XXXX XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Equifax several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX  XXXX XXXX. Balance : {$6500.00} ; XXXX XXXX XXXX .... Balance : {$3100.00} ; XXXX XXXXXXXX .... Balance : {$960.00} ; CALIFORNIA XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; CALIFORNIA XXXX XXXX XXXX/XXXX/202 ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX Complaint # Attached from, Affirm LLC . Affirm has refused to honor their contractual obligations agreement in my rights of privacy under The privacy Act of 1974. The company has refused in writing to not honor my opt out attached to the recent dispute submitted on XXXX. The company has violated their terms and conditions and privacy policy, which should indicate that Eye have the rights to opt out of this company at any time. Affirm has provided their response by adding non- public transactions on the CFBP claim, continuing to violate the rights of privacy. Affirm has provided an email which stated that they sent an Affidavit, this specific Affidavit was never received. Affirm still disregards the fact that Eye choose to opt out of any consent that Eye may have given you. Affirm does not have Authorization to report to my consumer report as they have breached their contractual agreement with me by reporting without sending me any disclosures giving Affirm consent to report. This account is reporting as a collection account yet According to the FCRA a consumer shall receive a notice of the collection and the consumer has within 30 days to validate the debt. Affirm has not sent any notice of the collection account, but continues to report to my consumer report. This is improper use of my consumer report. Affirm does not have permission to report to any of my consumer reports. As breach of my privacy rights carry several violations per the FCRA each of 1,000XXXX
Product: Credit reporting or other personal consumer reports

To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized or Inaccurate Credit Inquiries Dear XXXXExperian, I am writing to formally dispute unauthorized or inaccurate inquiries listed on my credit report and request their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be included on my credit report if I initiated the request or provided written authorization for the creditor to access my report. After reviewing my credit report, I have identified the following inquiries that I do not recognize or did not authorize : Inquiries reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request an investigation into these inquiries to determine their legitimacy. 
If they can not be verified as authorized by me, I ask that they be permanently removed from my credit report. 
Legal Obligations As outlined by the FCRA : XXXX. You must investigate disputed inquiries within 30 days of receiving this letter. 
XXXX. You are required to notify me of the results of the investigation within XXXX business days of its completion. 
XXXX. Any unverifiable or unauthorized information must be promptly removed from my credit report. 

Failure to comply with these requirements may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Enclosed, I have included copies of my government-issued ID and proof of address to verify my identity.

Please confirm receipt of this letter and provide updates regarding the status of the investigation. Should you require further information, feel free to contact me using the phone number or email provided above.

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

Sincerely, I received that the inquiries were " Verified ''. I sent a letter requesting Proof of Verification and was not replied with proof for any of these unauthorized inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX  Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mc XXXX XXXX XXXX  XXXX XXXX XXXX mc XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}
Product: Credit card or prepaid card

Bought furniture with no interest for 24 months promotion. Paid all promotional balance via phone calls to avoid paying interests next year. XXXX promotional balance still showing despite paying it months ago. Called Macy 's credit card customer service XXXX to XXXX times to resolve issue. Last representative states that promotional balance {$850.00} is still owed and lectured me I have an attitude. I called Macy 's back few minutes later that day to close account when I realized what was going on.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  # XXXX XXXX XXXX FIN # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency XXXX include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on several occasions in reference to a collection account that is not mine. I have submitted the dispute, identity theft report as well as police report in XX/XX/XXXX and XXXX 2017. I twas told this item was not reporting on my credit. This item is now reporting on my credit report and I am unable to dispute online. This is not my account. The account has been deleted from the other two bureaus. The account is XXXX XXXX XXXX