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

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

In XXXXXXXX XXXX XXXX XXXX asked for and got forbearance on my rocket mortgage loan, # XXXX, on account of the fact that I was not employed for 3 months of the year. 

I went back to work, signed an agreement to resume payments, and kept the terms of the agreement. However rocket mortgage has listed me as 120 days late to the credit agencies, and has done severe damage to my credit rating, which dropped more than XXXX points. This has increased my borrowing costs dramatically. 

The company didn't reveal this when I asked for forbearance. I don't think I would have done it if they had. This credit problem will be on my record for the next 7 years. I don't think it is right that the company would do this. They rolled the payments back into the loan, with interest, and rocket is paid in full. I have kept my end of the agreement. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't want this on my report, it hurts my credit history and it's not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I'm trying to call the company. All they have is a XXXX robot talking. You can't get to a live person. This company is a joke. The company is called Mr.Cooper. No should ever do any business with this joke of a company.
Product: Credit reporting or other personal consumer reports

THE COMPANY never PROVIDED THE legal DOCUMENTS THAT SHOWS MY WRITTEN CONSENT FROM THE FURNISHER AND ALSO SENT AN illegal .paper stating they DID NOT HAVE TO SEND ME DOCUMENTAION PROVING THAT THEY HAD VERIFICATION FROM EACH FURNISHER. TO REPORT ACCOUNTS AND/OR Hard inquiries
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I wrote a letter to XXXX asking them to remove information on a collection account that does not belong to my profile. 

I had previously written a letter to Recovery Management Services, the reporting company, asking them to provide a copy of the signed contract for this account, as well as other Debt validation docuuments. They failed to provide the requested documentation. I also sent a follow up letter letting RMS know that they were missing required documentation and as such they needed to stop all collection efforts, including reporting to Credit Bureaus, but they have ignore my request. 

When I open my dispute with XXXX, I provided copies of my letter and their responses as prove of my dispute. 

Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) Credit Bureaus are required to remove all accounts currently under dispute. XXXX has failed to remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up to TransUnion thinking I was signing up for an account to see my free credit report. At no time did it say you are being charged for or you have selected this product and will be billed this amount. I thought I had to enter credit card information in case you did decide to buy one of their products. I signed on and then was sent an email saying that I was charged {$24.00} plus tax for one of their products. They are tricking people into a {$27.00} fee. Yes, I was able to cancel the subscription that I never wanted but still had to pay the first MONTH fee.
Product: Credit reporting or other personal consumer reports

This is my second time filing a Report with you about Experian they still showing the same exact thing and still not showing me at least XXXX is trying but Experian is still showing the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX {$620.00} was taken out of my checking account by PNC, bank and transferred to another checking account that is owned by my father. I was given no notification that this money would be taken out of my account, and it was all the money that I had in my account. I have my car payment that is supposed to come out of my account today which I was unable to pay, and I couldn't even afford to put gas in my car to go work and had to call out. Allegedly, my father 's account is negative and he is a joint owner on my account, and that is why they took the money out of my account. My father has been XXXX since XX/XX/XXXX, and has had no cash flow going in or out of his account so I am unsure how a transaction could even be posted on his account to cause it to become negative. I do not have access to my fathers account, and would not have known it was negative. I was told a " XXXX '' charge came out of his account and I was advised to take the issue up with XXXX. However, my name is not on my father 's XXXX account so they will not talk with me and XXXX is not the company who has taken money out of my account, PNC is. When I questioned why I was not even given notification I was told, " we don't have to notify you, it's our right to set off the account. '' I am extremely displeased with this transaction and will be terminating services with PNC, bank as soon as humanly possible.
Product: Credit reporting or other personal consumer reports

Hi, I recently found out that Experian is still reporting inaccurate information on my credit report. The lack of due diligence from this credit bureau has made truly reflects incorrectly, not only has this been a defamation of character and livelihood but a major violation of consumer rights. I have sent all three credit bureaus a letter XXXX and XXXX have properly corresponded and removed the information regarding XXXX as15 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 that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The XXXX is an inaccurate account as this was submitted in XXXX of 2023. I have written below the discrepancy. I would like for all inaccurate information to be removed as this is in violation, once remove Please provide with a updated credit report once information has been corrected. I also submitted an attachment of this account showing on my credit report. 
Account : XXXX- XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Late Payment Reporting and Request for Removal and Opt Out of credit reporting. 
I am writing to dispute incorrect late payment entries reported on my credit report by XXXX XXXX XXXX. I have attached copies of a congratulatory letter from XXXX XXXX XXXX and the title of the vehicle, both confirming that my account has been paid in full. Despite these clear indications that my financial obligations have been met, these erroneous entries have been reported, causing significant harm to my credit score and my overall financial health. 
This incorrect information is a direct violation of my rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against the unauthorized use of personal data. Furthermore, I am exercising my right to opt out of any further reporting by XXXX XXXX XXXX, as stipulated under 12 CFR 1016.1 ( a ) ( 1 ) ( 2 ) ( 3 ). It is also noteworthy to mention that I was never provided with an initial privacy notice by XXXX XXXX XXXX, required under 12 CFR 1016.4 ( 1 ) ( 2 ), which mandates explicit authorization before disclosing any nonpublic personal information to nonaffiliated third parties. 
Given these violations, I am requesting the immediate removal of the reported late payments from my credit profile. Additionally, I am asking for a fine of {$1000.00} to be imposed for each violation of my consumer rights, as these errors have unjustly damaged my credit and personal reputation. 
Please find attached the relevant documents, including the payoff letter and vehicle title, to substantiate my claims. I expect a response within 30 days confirming that these corrections have been made to my credit report.
Product: Money transfer, virtual currency, or money service

I went to bmo bank downtown XXXX and they were mean and rude and them plus the security told me to leave. I had a copy of my birth certificate and social secuirty card and the manager and her workers told me that they won't cash my check or give me an account. They said that I have to do it myself and to stop being homeless and get a job, they just were very mean.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent unauthorized inquiries that are listed on my credit report. I have requested these be deleted by contacting XXXX, XXXX and Experian and they still are being reported. There is no permissible purpose for these inquiries and my privacy has been violated by allowing these companies access to my credit. 
The following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Credit Cards were open from XX/XX/2013 until present day. Amounts range from the amount of XXXX to XXXX.
Product: Debt collection

Subject : Dispute of Unfair Collection Reporting by Westlake Financial Services Dear Consumer Financial Protection Bureau, I am writing to formally dispute the ongoing and unfair reporting practices of Westlake Financial Services regarding an auto loan account that was repossessed in XX/XX/year>2018. 

Despite the repossession occurring more than XXXX years ago, Westlake Financial Services continues to place negative marks on my credit report. Additionally, representatives from the company have stated that they will continue to update my credit file in an attempt to keep the collection active indefinitely. This practice is not only unethical but may also be a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which prohibit unfair and deceptive credit reporting practices. 

According to federal law, negative items such as a repossession should only remain on a credit report for XXXX years from the original delinquency date. The repeated re-reporting of this debt to extend its impact on my credit score is a clear violation of consumer protection laws. 

I am requesting a formal investigation into Westlake Financial Services reporting practices and that XXXX, XXXX, and XXXX be directed to remove any inaccurate or improperly re-aged negative information from my credit report. 

I have attached copies of my credit report showing the issue, along with any relevant documents supporting my claim. Please provide me with a written response detailing the actions taken regarding this complaint. If you need additional information, you may contact me at the details provided above. 

Thank you for your immediate attention to this serious matter. 

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

Upon reviewing my credit report, I noticed an unauthorized account from XXXX XXXX and charges on said account. I notified them this account was created without my consent. I also filed a fraud report, showing this theft had been reported. They continued to publish inaccurate information on my credit profile, with all three credit reporting agencies after giving them documentation. They closed the account and left it on my credit report. It was never my account and needs to be removed as it is affecting my overall ability to obtain credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my leased Truck was hit by another driver. My truck was in the XXXX XXXX XXXX XXXX  where I leased it from, between the dates of XX/XX/XXXX until my lease ended, which was XX/XX/XXXX. I never got the truck back. XXXX was delayed in getting a frame to the dealer to fix the truck. The dealer checked in the truck after the lease end date which caused my lease to automatically renew for XXXX month. XXXX XXXX added another payment to my lease. All lease payments were made on time to XXXX XXXX throughout my entire lease. I never defaulted on payments. I've been contact with XXXX XXXX for several months daily, calling, emailing and talking to supervisors letting them know I don't owe any more payments. The dealer and XXXX themselves have called XXXX XXXX to let them know I don't have the truck and it was checked in late by the dealer, which, is not my fault. XXXX XXXX is the dealer. They were told numerous times to check in the truck, however, they were negligent and did not on time. Now XXXX XXXX has reported me to the credit bureaus and has drastically affected my credit score. I am trying to buy a house and I have to get another vehicle. My credit score was XXXX now it is XXXX because of this. I did nothing wrong. I paid XXXX XXXX all my payments that were required and now I am affected drastically by this. I am stressed out and NO ONE gets back to me. They all apologize the for the inconvenience, however, nothing changes. NOT one person from XXXX XXXX has called me back to resolve this. They reported me and still say I owe a payment when XXXX is trying reimburse me for payments made for the whole year I didn't even have the truck. XXXX XXXX has been made aware of XXXX XXXX 's late check in date, XXXX XXXX 's system does not allow for the dealer to check in the truck more than XXXX weeks in the past. I have tons of email, phone call and letter documentation that supports all my claims. This is completely unfair and abusive by XXXX XXXX. There is no valid reason for them to report me to the credit bureau. I've worked very hard in my life and have maintained an excellent credit score, which now has been drastically affected. I have missed important meetings, phone calls and reviews for my employees due to being on the phone with XXXX XXXX and concerning this matter. I am appalled.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX ( XXXX ) for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Product: Debt collection

I got a robo call from an Idaho Number suggesting legal action on XXXX sent it to voice mail. I called the number they provided and they claimed a debt from HSBC for {$350.00}. After fight over the phone Im requesting validation of debt and being hung up on multiple times I finally got an email sent with a debt claiming HSBC for {$570.00} however no dates of the debt they would only provide verbal dates of XXXX through XXXX of XXXXThe email also showed an address on file with them that I moved from in XXXX of XXXX. I asked over the phone for validation of debt and provided my current address on XX/XX/XXXX. They said they are not responsible for burden of proof. I called again on XX/XX/XXXX asking for what address I write to gain validation of debt and they said the address in the email. I asked if it was the address of their business I would write to or who owned the debt. I was told who owned the debt. I asked if that was them they said yes. So I asked if they own the debt then they are responsible with burden of proof for validation of debt. They said they are not and will provide that through judge on my court date. They still had my address from 10 years ago on file and had to dig through the notes to see the correct address and county. Multiple times XXXX would hang up on me when I would get confrontational in my questions. Her supervisor Mrs. XXXX wouldnt provide any info and hung up on me. 

The name of the company is XXXX XXXX XXXX with a mailing address of a XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.The Credit bureaus stated my account was properly investigation but how is that possible if the monthly payment, date opened, balance terms, credit limit, past due, last reported, comments, Date last active, date of last payment etc last reported is not accurate. This ground for removal they also violated my rights under 15 USC 1681i ( 5 ) ( a ) ( 5 ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and reinvestigation; and ( it ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 Also the Credit bureaus has received my documents for dispute on XXXX XXXX XXXX  and have not sent out a notification to me as yet stating they received my documents and processed my dispute here is my certified mail tracking XXXX XXXX
Product: Vehicle loan or lease

Per my earlier compliant # XXXX in which I stated that Flagship failed to acknowledge my loan payoff receipt until after I had to get XXXX XXXX involved I feel that Flagship intentionally withheld applying the payment upon receipt in an effort to accrue interest on the payment and leave me with a balance due instead of a XXXX balance. This in addition to the fact my payment seemed to be different every month is why I demand a full report of all payments and how payment amounts were calculated from the beginning of my loan until the end. I do not believe I should still have a balance due if it was refinanced. Based on the feedback I've received from other past and Flagship customers I am looking into a class-action suit for fraudulent business practices.
Product: Credit reporting or other personal consumer reports

To whom I make a concern, This is preposterous To know my information is being leaked out. No answers. I keep disnothing is happening to my credit report. However, I'm still building my credi, don't. 
Want to sound entitled, but I feel like I am a XXXX. That's becoming a XXXX. I am. 
entitled to not only removing of negative accounts. Also, some type of settlement. 
Thank you for you time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my XXXX XXXX decreasing and notice a fraudulent account that I have never opened on my record with XXXX XXXX. I reported it via TransUnion and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem TransUnion adequately investigated my fraud report. 

I have never opened an account with XXXX XXXX, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by TransUnion to complete investigation without changes to my credit score.
Product: Credit reporting or other personal consumer reports

I have included the details of the problems in an attachment. See letter in attachment. Summary : The XXXX XXXX account that is being reported on my credit report has been investigated for accurate and complete details multiple times. I requested that the details of contact person ( s ) that are providing the details on the account be provided to me so I can follow up with any person ( s ). No information has been provided to me and proof of the details has NOT been provided to me after I requested. The account details remain inaccurate and incomplete. My rights are being violated because the details of the account are not accurate, furthermore the company has lied and provided false information because they have not properly investigated, nor reinvestigated the account details, otherwise the account would be accurate and complete.