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

I, have submitted multiple requests to opt out of information sharing with XXXX XXXX XXXX, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to XXXX XXXX XXXX : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/year>, following XXXX XXXX XXXX 's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent. 
Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. XXXX XXXX XXXX  has failed to meet this obligation. 
Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. XXXX XXXX XXXX does not have my written consent to share my information. 
Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. XXXX XXXX XXXX did not inform me of this right. 
Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of XXXX XXXX XXXX 's reporting services and sharing of my information. 
Conclusion : XXXX XXXX XXXX  's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation. 
I am once again requesting XXXX XXXX XXXX to honor my rights and process my opt-out request as mandated by law.
Product: Credit card

Citi bank makes it very difficult to sign in to access credit card online information and pay your bill. On the credit card it states the website is citi.com. When you go to citi.com there is no link to current credit card accounts.
Product: Checking or savings account

Good morning My name is XXXX and i face a really weird situation regarding Chase Bank and I'm writing to you because I do really need help. 

I had 2 employers and at the mid of XX/XX/2022 i uploaded online in my bank account ( Chase Bank ) 4 paychecks : 3 from employer XXXX and 1 paycheck from employer XXXX XXXX. Next days my bank account was closed. 

I visited Chase Bank and they told me that happened because the paychecks need to be verified because it was a suspicious that may be a fraud. So it will take couple days. I was waiting till end on XXXX. After that, they told me that they verified the 3 paychecks from the first employer and it's ok, but they can't verify the 1 paycheck from the second employer cause they don't have a phone number. So, all the amount from the bank account ( including the 3 verified paychecks ) was, ,frozen '' and hold by Chase Bank XXXX 

I tried to provide a lot of phone numbers from my employer but Chase refused to use them because they are not in their database. 
Also, my employer contacted them, but Chase Bank told us that they don't accept the verification and only Chase can call the employer not viceversa. Even, if the paycheck contain the mail address of my employer, the verification can be done only by phone. 

My employer ( they work with XXXX XXXX ) filled an application to recall the funds. Chase bank refused to return the money to my employer. So, at this point, Chase hold all the money and don't want to give it to me, but also don't want to return to my employer. 
So it's been almost 3 months and we cant solve this issue. 
Please help me. If additional information may be needed, i can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, For the past XXXXwo years or so, I have been going back and fourth with Experian.com because they refused to remove two negative accounts on my credit report. The accounts are showing charged off. I spoke to both credit card companies and they told me it's up to the credit bureau to remove the accounts. My mother just passed on XX/XX/2018. I do not have a job at the moment. The credit card companies understood this because they saw I was making payments on time before the company I worked for went out of business. Since then, I have not been able to cope with this lost. After that, it was unfortunate events after another. These accounts are not only a weight over my shoulders but these are blocking me from moving forward or even have a new start. Keeping this on my credit report is some sort of punishment. I have been punish enough so please help me get these solve. 

According to the fair credit act, the statute of litigation on debt in XXXX  is 3 yrs. and 5 yrs in XXXX. These two accounts are too old to be on my credit report. They are going with the statute of litigation in XXXX. However, I didn't have a verbal agreement with any company in XXXX. The verbal agreements I had was with two companies one located in XXXX and the other in XXXX. On top of that, there so many errors that they refused to fix. Experian had different stories every time I called them. A month and half ago I called them because they sent me a letter stated the accounts were deleted. I looked at my accounts and it was still showing. The agent I spoke to, she told me she wasn't able to see the accounts on her end. But I was able to see them on my end. I have proof of the letter they sent me stated the account was deleted. They continues to lie every time I called. Please help me with this matter. Thank you! 

XXXX XXXX
Product: Debt collection

Oportun XXXX Account not mine Victim of fraud Please take off my credit report
Product: Credit reporting or other personal consumer reports

Please note I was reported as 30 days late for month of XXXX with XXXX. I was marked late erroneously as I WAS NEVER late. My car was fully paid off on XX/XX/XXXXXXXX XXXX. The payment was due XX/XX/XXXX. As per my conversation with a XXXX XXXXXXXX I was informed that I was within the 30 day grade period and shouldn't have been reported late. Please note the attached credit report showing that I was clearly reported 30 days late and CORRECT THE ERROR. I am in a process of a XXXX XXXX dollar loan and my credit took an XXXX point hit!! This is inexcusable and needs to be corrected immediately. 

Please see attached my credit report showing the late reporting -Pay off confirmation from the dealership -my Driver License
Product: Debt or credit management

I'M AWARE THAT LEXINGTON LAW HAD TO ISSUSE COSTUMERS BACK MONEY AND I'VE NEVER RECEIVED ANYTHING BACK FORM THEM. THEY RIPPED ME OFF AND NEVER FIXED MY CREDIT OR ATTEMPTED TO.
Product: Debt collection

Lockhart , Morris & Montgomery , Inc . has been calling me early in the morning before XXXX about a debt that they assume that I owe. they didn't sent me any letters regarding the debt. so I file a dispute on with them asking them to verify the debt by law they have 30 business days to Respond to the letter, and I didn't hear back back and that's a violation, Im submitting this complain to get that mess off my credit. since they couldn't verify the debt. XX/XX/2022 is when I mailed in my first dispute letter to the company. their address XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX, TX XXXX as its reporting on my credit profile. if they can't Verify it NEEDS TO BE DELETED ASP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with Experian. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with Experian right now through the experian.com/viewreport website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.
Product: Debt collection

I just received an updated that a collections account has been added to my credit report by PHOENIX FINANCIAL SERVIC XXXX, IN XXXX I do not have any past due accounts and I have not been contacted by anyone claiming to be from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate account on my credit report
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute multiple unauthorized inquiries that have appeared on my credit report. I have thoroughly reviewed my report and identified several inquiries that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score, and I believe they were placed in error or without my consent. 

I am requesting an immediate investigation into these unauthorized inquiries and for them to be removed from my credit report as soon as possible. The credit reporting agencies involved in this matter are XXXX, XXXX, and Experian. 

I have attached a copy of my credit report with the disputed inquiries highlighted. Please assist me in resolving this issue promptly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this urgent matter. 

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

Subject : Dispute of Late Payment Reporting on my XXXX XXXX XXXX  Account Dear Sir or Madam, I am writing to formally dispute the inclusion of late payments on my credit report for my XXXX XXXX XXXX account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I request an immediate correction and removal of any such inaccurate or unfairly reported late payments.

Under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a " consumer report '' excludes any report containing information solely related to transactions or experiences between the consumer and the entity making the report. As such, late payments that do not impact creditworthiness beyond the direct relationship between XXXX and myself should not be reported to consumer reporting agencies as adverse credit events. 
Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must not report information that they know or have reasonable cause to believe is inaccurate. If the reported late payments resulted from extenuating circumstances, billing errors, or delays beyond my control, their inclusion on my credit report would constitute a violation of this provision. 
Additionally, the FCRA grants consumers the right to dispute the completeness and accuracy of any item in their file. Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, a credit information furnisher must conduct a reasonable investigation and delete or correct any information found to be inaccurate or unverifiable. 
Given these legal protections, I formally request that this credit bureau review this matter and remove any late payment not in compliance with the above provisions. Please provide written confirmation of the actions taken within 30 days, as required under FCRA.

Should you require any further documentation or clarification, please let me know at your earliest convenience. I appreciate your prompt attention to this matter. I have attached a copy of the law, which says that the alleged late payment ( s ) should not be reported on my credit report. I ask you kindly to abide by the law and update my account to be paid as agreed. Failure to do so will result in me taking legal action against your credit bureau. I also ask you to provide verifiable proof of payment records showing that I had late payments on this account. The law clearly states that if you are unable to provide this proof, then this is also additional legal grounds for XXXX to request that these late payments be deleted from my consumer report. 
Sincerely, XXXX XXXX
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE XXXX XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Debt collection

ACCOUNT RECOVERY SERVICE XXXX {$450.00} I was a victim of fraud and have attached the document from a ID thief case I have never done any business with ARS or XXXX   XXXX  XXXX. Please delete this account from my credit report. This can be done by submitting a UDF form to all 3 credit bureaus.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Penn Credit Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/2022 Dear Penn Credit Corporation After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail and via the consumer financial protection bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and Equifax for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL XXXX et seq. 

Under the Michigan XXXX XXXX XXXX ( MCL XXXX ), it is prohibited to : ( XXXX ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer. 

By reporting incorrect information on my consumer report XXXX, XXXX, and Equifax are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information. 

2. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : XXXX XXXX. XXXX ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries. 
XXXX XXXX. XXXX ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report XXXX, XXXX, and Equifax have violated this section. 

3. Michigan Collection Practices Act ( MCPA ), MCL XXXX et seq. 

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL XXXX ( XXXX ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency. 

4. Federal Trade Commission Act ( FTC Act ), XXXX XXXX. XXXX ( a ) The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover bank is reporting late notations for XX/XX/20 and XX/XX/20 and I would like them removed. During this time I got XXXX and fell extremely ill. I was out of work for over 3 weeks. Once I was finally able to go back, I had to pay the absolute necessities as I am the head of the household. It took me a couple of months to finally recover financially and I tried my very hardest to pay all my dues. I do not expect them to waive fees but it would be of great help if Discover bank could make a goodwill adjustment of these lates as I am now trying to buy a home. I have been punctual since and this would be a great help.
Product: Consumer Loan

I am currently leasing a 2013 XXXX XXXX XXXX XXXX. The lease payments are all current. The lease ends on XXXX XXXX, leaving XXXX more payments. I wanted to review all of my options before deciding what to do. i signed into my account yesterday on XXXX, and clicked through to find my current " Buyout quote ''. I had received a " hyundai lease-end kit '' in the mail yesterday. It has a section called " Key Lease End Terms '' The term " buyout quote '' is defined in their " lease end kit '' as " The amount ( including taxes ) you 'll pay to purchase your leased vehicle ''. That amount for me was on the website as {$16000.00}. 
I was told by Hyundai Finance that in Florida, lease end vehicle purchase must be made through a dealership. I called the dealership then, and was told there was a {$590.00} fee for this " service '' and that the amount did not include sales tax. They told me it would cost {$18000.00} to purchase the vehicle. 
I am wondering 2 things. Why is the definition included in their own lease end package saying it includes all taxes? 
Also, I have in the past purchased leased vehicles at my lease end and simply had to send a check to pay off the balance to the finance company. The last one was XXXX finance. Why is Hyundai finance telling me that in Florida it is the " law '' that the purchase be made thru a dealership? Perhaps the law has changed? It has been awhile since I purchased the last one ... 10 years actually ... so I suppose the law may have changed. I would just like to be sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names and # 's below, has violated my rights : XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX RXXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX  XXXX XXXX XXXX The account names and # 's above 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Debt collection

I tried to contact XXXX XXXX XXXX and XXXX XXXX their " servicer '' to get detailed information about a collection account they charge me for seemingly without end. They would not provide any written information or ability to log in to view said information, so i can not confirm the legitimacy of the debt. I am happy to pay any debt i can confirm but they are damaging my credit for no reason at this point since ive had a deal with them that i stuck to and i maintain that the balance is incorrect
Product: Checking or savings account

I received an unemployment check because the Region communicated that my account was closed in error. The state of Texas issued a paper in which I deposit and request immediately available with a fee. Region waived the fee and made a deposit and removed XXXX of XXXX fees. The next morning the back office put on another 9 days hold even though the state of Texas was on phone informed them that issue a paper because of bank communication of closed account. Now that fund are not available my phone and electrical was disconnected. I have now is subject to to XXXX in fee because of a Region Bank error. They have not been deposit unemployment timely even when I have trace number to prove that deposit should be in my account. Since I have been displaced federal employees, I have been continue to get fee in error. They apply fee then release deposit/credit.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing an account on my credit reports. This account had an initial delinquency date of XX/XX/XXXX However they are reporting the initial deliquency date as XX/XX/XXXX No payments or promises to pay have been made sense XX/XX/XXXX so this account should no longer be on my credit reports. 

re-aging is a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Act # XXXX and 1 other XXXX XXXX acccount I don't have the account info has violated my rights. 

15 USC 1681 section 602 states that i have the right to privacy 15 usc 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction or permission and they do NOT have it.