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

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. XXXX XXXX ACCOUNT I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
XXXX. **Failure to Furnish Form XXXX : The collection agency has also failed to provide me with a copy of Form XXXX concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
XXXX. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

XXXX BANK Reported : XXXX XXXX, 2024 {$170.00} Closed-charge off
Product: Credit reporting or other personal consumer reports

The companys XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) did not address the issues of opting out per the Fair Credit Reporting Act, The privacy act of 1974 or 15 USC 6801 B. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

XXXX has stated that they submitted for removal of the account in a previous complaint. 

I gave no written instructions allowing this report to be made. No options to opt out were given to me. I have told them multiple times i wish to opt out of their reporting. XXXX, Equifax, and XXXX have also failed to delete the accounts of the report. 
" ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom. '' 16 CFR 313 313.7 " Form of opt out notice to consumers ; opt out methods.

( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. '' And as a collection agency, the certificate of in-debtness has turned that account into one that is reporting income. Income can not be reported to a credit report.
Product: Mortgage

This XXXX is now under shellpoint and was discharged under XXXX  several years ago. I know when I sell my home the XXXX would have to be paid which will happen however they have continuously been harassing me with payment requests and the XXXX orginial balance was XXXX and many payments were made back in the begining but somehow its now over XXXX. Shellpoint is unable to find any original documentation which I have asked for. As well I have tried to work with them on allowing me to resume making payments and have sent paperwork into them well over XXXX different times but each time I send it in their pre paid postage return envelope they covienently don't receive something. And now I am back to receiving nasty calls and statements saying they will put me into foreclosure. They just denied any modification for me.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 I was struggling called I called covid-19 and I tried to work the problem out with him but no response harassing me making threats what they going to do to me
Product: Student loan

Loan was taken out in 2008 for {$21000.00}. Have been paying on the acct. for 10 years & now the balance is $ 26,000+.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Financial Services XXXX This account was opened XX/XX/2019 and removed from my credit files XX/XX/2019. I have not had any issues with XXXX or XXXX. Discover Financial Services reinserted this account back to my XXXX  credit file without verifying that I owe anything. Neither Discover Financial Services nor XXXX  have provided documents proving I granted Discover Financial Services permission to post to my credit profile. XXXX  did not offer any explanation of how Discover Financial Services was verified. 
Discover Financial Services continuously violates 15 USC sections 1692 A E and XXXX allows it. Discover Financial Services refuses to provide contracts with my signature proving I agreed to do business with Discover Financial Services. It is unfair as a consumer that I have to endure unfair credit reporting practices from Discover Financial Services and XXXX. This account was charged off 7 times. 
XXXX has continued to ignore my requests to remove this account and stated in writing that unless I send in relevant information they will not investigate my dispute yet XXXX  has not shared information with me on how Discover Financial Services was able to prove I owe anything. I feel helpless because these companies are allowed to treat us however they want and are allowed to get away with it. 
I even read in the Fair Credit Reporting Acts that once an account is removed it can not be reinserted to a consumers credit profile. How are these companies allowed to get away with this?
Product: Debt collection

XX/XX/XXXX To whom it may concern In XXXX, Equifax leaked the personal data of over XXXX XXXX Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting accounts that are a direct result of the Equifax Security Breach, which makes your company just as responsible for damaging my credit and mental health. Your organization has failed to provide me proper legal documentation as stated in the Fair Credit Reporting Act which I have requested on, this is my second attempt for removal. The information you should have provided me should have included the following : An explanation of what each alleged account balance is for, A calculation of this balance, including the complete payment history for each account, Documentation for each account showing proof that I agreed to pay this debt, An Agreement for each account that grants the company the authority to collect debt, An updated copy of the state license for each company, including the license number. 



I would like to also mention I have kept all legal documentation such as verification of previous letters I have sent you, proof that the following accounts do not belong to me, proof that XXXX  breached my data, as well as doctor letter from my doctor stating that this situation has caused me a great  deal of stress. 



Your company is currently reporting fraudulent accounts to my credit file, remove these accounts from my credit file. 

XXXXXXXX XXXX XXXX {$2100.00} XXXX  XXXX XXXX {$580.00} XXXX XXXX {$230.00} XXXX XXXX {$200.00} XXXX XXXX {$130.00} XXXX  {$100.00} XXXX  {$100.00} XXXX  {$100.00} XXXX  {$85.00} XXXX {$59.00} XXXX XXXX {$57.00} XXXX  XXXX XXXX XXXX XXXX XXXX Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Please contact XXXX, Equifax, and XXXX  and have them to remove these incorrect accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 60 days since I've sent out my complaint to the credit bureau and have not received any response. From what I have read this is completely against FCRA guidelines and I hope you guys can assist in finally getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Credit Acceptance went into my credit report several times without my permission
Product: Credit card or prepaid card

Hi i had open self credit builder account about 3 yrs ago and was offer a secure credit card with XXXX credit limit which was my money.I later closed the credit builder and kept the secure credit card. I tried canceling this account and it suppose to be linked to a credit builder account but its not and I need my money on this secure account and closed.
Product: Mortgage

Dear CFPB, On XXXX XXXX, 2015 I was informed by Nationstar mortgage that I had been denied a loan modification due to " excessive forbearance ''. When I reviewed my loan modification documents with my dedicated loan specialist, the rental income I reported on my Request for Modification ( RMA ) was missing from the calculations for the gross monthly income without any explanation whatsoever as to why all - or some of it - was not included in the NPV calculations. If they - Nationstar - can not do simple math to compute my gross monthly earnings, is it any wonder that I am being seen as having " excessive forbearance '' ..? 
This gross incompetence follows several months of very poor service from Nationstar regarding my application for a loan modification. Service deficiencies have included - among other problems - lost documents, repeated requests for documents or information which was already in the file, and failure to return phone calls in a timely fashion. 
As of the date of this letter, I have not received any correspondence from Nationstar to back up this assertion of " excessive forbearance '', including the NPV. I am appealing this bad decision - please see attached correspondence - and would appreciate any help you can give me to get me the help I may be entitled to.
Product: Vehicle loan or lease

I began *trying* to refinance my vehicle through Caribou, a process which started over XXXX weeks ago. At present, my documentation has been uploaded onto their portal and has been pending approval since XX/XX/XXXX. Their process says this review typically takes 2 business days. There was an additional separate step needed to verify the payoff amount and that was completed 8 days ago. I have not been able to get in touch with anyone via the XXXX number listed on their website or by texting my representative over the past XXXX days and haven't heard from anyone at the company in over a week. 
Aside from the incredibly slow and non-responsive loan processing and origination, I have concerns about how they are encrypting, storing, and masking customer data. When I login to my dashboard I'm still able to see copies of all of my documents. Although 2FA is enabled, this seems abnormal for a site that requires photo copies including PII. 
I'd also like to point out that their original loan offer was inflated with extras. I was open to possibly keeping some of these but the representative was unable to provide any formal documentation that outlined what these services included. The marketing is very vague and its easy to overlook to an uninformed consumer.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$96.00} XXXX XXXX Balance Owed : {$96.00} XXXX XXXX Balance Owed : {$96.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : 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. 

I don't owe this company.
Product: Debt collection

Navient ga ve my parents the informaiton on my loan balance and payments made, including whether or not they were applied to principal. I called  Navient an d asked that they remove all phone numbers associated with my parents, before knowing they had disclosed this information, and stated that if I found out they had discussed my student loan information with anyone other than me, I believed they would be in violation of the Fair Debt Collection Practices Act. I have not called back since finding out they did, in fact, disclose information. I did not have any cosigners on my student loan, so they were not authorized to share any information with my parents.
Product: Payday loan, title loan, or personal loan

A loan was taken out in my name. I'm a victim of identity theft. My email was accessed, from there my bank accounts. 

Loan Company : Upstart Loan amount : {$1200.00} Loan date : XX/XX/XXXX Loan # xxxxxxxx Signed : Electronically Wired to my account {$1000.00} ( XX/XX/XXXX - XX/XX/XXXX? Don't have record of the exact date ) Bank return to Upstart on XX/XX/XXXX as unauthorized. 

I filled an identity theft report on identify theft.gov. I've sent a copy to Upstart, along with a copy of my ID as requested. Upstart has asked for a letter from my bank stating my account was subject to fraud ; however, my bank will not provide such a letter. It's against their policies. What they did provide, and I sent to Upstart was a paper I filled out on XX/XX/XXXX my claim of fraudulent activity when a $ XXXX check was cashed from one of my accounts. According to Upstart that was not sufficient for them the consider the loan fraudulent and they still consider the loan valid. Upstart has sent me to collections. Upstart does not acknowledge the return of the {$1000.00}. Despite filing disputes with the credit agency, Better Business Bureau and many emails and phone calls, Upstart refuses to acknowledge the loan as fraudulent. Upstart will not provide copies of any information that was provided to them for this loan.
Product: Credit reporting or other personal consumer reports

I have disputed the loan balance of my student loans which have been paid in full with documentation to prove it from the Department of Education. XXXX as of XXXX  has not updated the loan balance on my credit report even though I have disputed it. XXXX XXXX XXXX  reported that the investigation of my dispute of the loan balance returned as verified even though the information is completely outdated. Equifax on XX/XX/ verified that the information is accurate even though it is completely wrong.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not authorized to collect debt in my state, I have requested that this negative information be removed from my credit report
Product: Debt collection

I recently received the attached letter from Debt Recovery Solutions , LLC. While it does not refer to the date of service or other specifics of the original debt, I believe it relates to an emergency room visit by my then-XXXX year old daughter in XXXX. I contested the amount of the physician charge from the beginning, and responded repeatedly to the original debt collection agency but no resolution was reached. The last I heard from anyone was late XXXX, until this letter dated XX/XX/XXXX. 

I never paid this medical bill, openly contesting it from the beginning. However it is now more than 5 years past the date of service ( XX/XX/XXXX ) which is beyond the statute of limitations for contracts in the state of Virginia where this ER visit took place and where I still reside. This debt collection company should know it is trying to collect an unenforceable debt. It is also asking for more than double the amount charged by the physician group, from {$330.00} to {$790.00}. That is a remarkable interest rate and probably usurious.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my XXXX 's Credit card for a purchase. I received the statement in late XXXX for a balance of XXXX. I issued a check for XXXX on XX/XX/XXXX for the total new balance. 
On the next statement, we were charged a late fee of {$29.00} plus {$1.00} in interest for a total balance of XXXX. 
On XX/XX/XXXX, I issued a check for XXXX XXXX less late fee and interest ) before I realized that Comenity had not cashed the check issued on XX/XX/XXXX for XXXX. 
I called the comenity -XXXX  requesting a credit of the late fee and interest plus credit for the double payment of the XX/XX/XXXX purchase. The Comenity Associate ( XXXX XXXX XXXX would not issue a credit for the late fee and interest. 

The two payments from my account were issued via the " Bill Pay '' function of the XXXX XXXX. 

Essentially, Comenity is charging a late fee and interest to my account for their inability to credit my account for payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Wells Fargo Bank changed my and other consumers Custom Management Checking Account to Everyday Checking Account. In so doing, they have closed my oldest financial account ( opened on my XXXX birthday ) and thereby negatively impacted my credit score ; credit rating agencies now report a significantly lower average age of accounts and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are both reporting false information on my credit report. My credit report says that the US Bankruptcy Court-XXXX is reporting That I filed several bankruptcies here are the account numbers # XXXX, XXXX, XXXX, and XXXX. 
I contacted the US Bankruptcy Court-XXXX about this matter and they gave me a letter stating that they are not and do not report information to the credit bureaus. I sent the letter to the and they said they verified it with XXXX? I reached out to XXXX and they confirmed that my account has been frozen and that they are not reporting anything on me.
Product: Credit reporting 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. 

XXXX XXXX  XXXX XXXX, XXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$56.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in deferrance and on disability and not supposed to be making payments and it says I missed payments. 

Also its going back reporting passed 7 years I feel and it never goes down in the amount I owe even though Ive paid on it for years and years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrectly reported that I have a late payment for my card in XX/XX/2022. This has caused my credit score to go down significantly. I have contacted the company 3 times and this has not been corrected. I have also filed disputes will all 3 credit bureaus and this has not been resolved. I have confirmed with XXXX XXXX that I paid the card on time 100 % of the time.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of all unauthorized inquiries that have been placed on my credit report. These inquiries are in direct violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX I have not authorized any of these inquiries. The placement of these inquiries on my credit report without my consent is a serious violation of my privacy rights and could potentially harm my credit score.

Please provide written confirmation that these unauthorized inquiries have been removed from my credit report. I also request that you provide me with a copy of my updated credit report to verify that the removal has been completed.

If you fail to remove these unauthorized inquiries within 24-48 hrs as promised by a representative at your company, I will be forced to take further legal action.