23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I closed my XXXX XXXX account after 10 years and was told over and over by customer service my account was paid in full. I switched to XXXX for a few years then went back to XXXX XXXX due to service coverage for where I am stationed. I opened a new account and then a year and a half later I received a letter saying I owed an amount from XXXX. I emailed the company asking for information to be mailed to me. I have someone at my house accepting my mail while I am out of state for school but there has been nothing sent to me by the company. It appeared on my credit report a few days ago without me being able to dispute it.
Product: Credit reporting or other personal consumer reports

I am writing to address concerns regarding the handling of my personal information by Equifax, TransUnion, and Experian, all of which are consumer reporting agencies.

According to the Fair Credit Reporting Act ( 15 USC 1681 ), specifically Section 602, it is essential that consumer reporting agencies fulfill their responsibilities with fairness and impartiality, while respecting consumers ' rights to privacy. As a consumer, I assert my right to ensure that my private information is not shared without my consent. This right is supported by 15 USC 6801, which underscores the obligation of financial institutions to protect the security and confidentiality of their customers ' nonpublic personal information. Under this law, furnishers of information to credit agencies are designated as financial institutions.

Moreover, Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act specifies that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Equifax, TransUnion, and Experian, as consumer reporting agencies, do not have my consentwritten or verbalto share my information. Therefore, I hereby revoke any and all forms of consent previously provided to Equifax, TransUnion, and Experian and any furnishers of information.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to non-affiliated third parties unless the consumer is informed of their option to opt-out. I was not informed of my right to exercise this option.

Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) states that consumer reporting agencies may not include adverse information in a consumer report if such information predates the report by more than seven years. The account in question is reported as an adverse item without my permission, which constitutes a violation o
f this regulation.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ), it is illegal for any person to furnish information to a consumer reporting agency if they have knowledge or reasonable belief that the information is inaccurate. Equifax, TransUnion, and Experian are not maintaining reasonable procedures to prevent violations of these laws, as outlined in 15 U.S. Code 1681.

I also wish to highlight that 12 CFR 1016.7 affirms my right to opt-out of your reporting services at any time. Therefore, I am formally opting out. 
Thank you for addressing my concerns regarding this serious matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated by 6 different companies. Listed below are 3 rights that have been violated ; 15 U.S.C 1681 Section 602A. States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C. States that a debt collector may not communicate with a consumer in connection with the collection of any debt.

Below, I've listed the companies, account numbers, and amounts that should be removed from my credit report as soon as possible. Thank you for your cooperation. 

XXXX XXXX XXXX Account # XXXX Amount- {$320.00} XXXX XXXXXXXX Account # XXXX Amount- {$940.00} XXXX & XXXX Account # XXXX Amount- {$1900.00} XXXX XXXX Account # XXXX Amount- {$2300.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$160.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1400.00} XXXX XXXX XXXX Account # XXXX XXXX {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$120.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1300.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking for a new car, XXXX car dealership ran credit reports through 3 different agencys when I authorized only 1
Product: Credit reporting, credit repair services, or other personal consumer reports

Actions taken : called both creditors and advise that I have no recollection, I was told an investigation will undergo and nothing. 






XXXX XXXX XXXX. XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$110.00}
Product: Vehicle loan or lease

I called New City Funding in XXXX XXXX, XXXX  repeatedly asking for help because the truck was dead and would cost {$4000.00} to repair. I had been with them for almost 4 years having paid off a first loan and getting a second that was almost paid off. The principal having been paid and {$1500.00} interest remaining. 
I told them to come repo the truck. They said it wasn't worth it. To scrap it. So I did. 
I also explained, before this, that I'm on XXXX and can't make 2 vehicle payments. 
The employee named XXXX just said, after repeated calls that I've asked them to not make and only contact me by mail, that he would call me " every day for 25 years '' since I was not making the payments. 
I'm tired of being harassed by multiple phone calls.
Product: Mortgage

I filed for bankruptcy XX/XX/XXXX. I reaffirmed my mortgage through US Bank Home Mortgage and they deleted one of the only good standing accounts I had on my credit report. This is not fair. I 've been paying every month since XX/XX/XXXX which was my first payment. When I called 2 months ago I was told they would investigate but nothing has happened. I want it back on my credit file in good standing as it has always been.
Product: Debt collection

On XXXX XXXX I received a call for a debt from 2012.The message left threatened to have me " detained '' at my place of employment or at home if I did not pay up today charging me with wire fraud.. They charged me to legal and process server fees and I paid the entire amount over the phone with my debit card. XXXX my mistake ) It cleared my bank. On XXXX XXXX, they charged my account again for the same amount, even though I have a receipt showing paid in full. When I called and explained the issue, they put me on hold for over XXXX minutes and did not come back. When I called again, no answer. I filed a fraudulent use of debit/credit card with my bank. This company violates all collection processes and regulations, first by the tactics, and voice mails and then by using your CC for further gain.
Product: Credit reporting or other personal consumer reports

Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. Because my privacy rights have been violated I am demanding the company block and remove the Inquiries from my consumer report not later than 4 business days after such information I provided. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I already submitted one complaint : " I've had multiple problems with Mohela as a loan service provider. They are transitioning direct federal loans to a new online platform. During this process they cut off access to my online account so that I couldn't make payments. Additionally, auto payment stopped working so my account was put into late payment but I was unable to make a payment. I had to call their customer service number to find out that I had to make a new account on their new website ( mohela.studentaid.gov ). They never communicated this to me or even told me what the new website was prior to me calling. Since then I've tried to set up autopayment multiple times. It has never worked. It has missed multiple payments without notifying me until the payment is late. This has happened three times now. I've tried calling them about this to see what the problem is only to be told that it was being blocked by my bank ( it wasn't, I checked ) or that something " hadn't been transitioned correctly '' and I'd need to re-enroll in autopayment. This is now the third time I've re-enrolled in their autopayment system which has not worked at all for the last 8 months. Additionally they over credited my account for an extra payment I never made. I tried to get them to correct this and at first they said it must have been a double payment due to autopayment! This was immediately after telling me that autopayment isn't working for some unknown reason and I'd need to re-enroll. Completely absurd. This company is absolutely ridiculous. Completely incompetent at best. But I guess I'm a captive consumer since I have no choice about who administers these loans without reconsilicating and paying a higher interest rate. They have no incentive to XXXX XXXX XXXXXXXX so why would they? '' Their website now says I'm enrolled for auto payment ( we will see if this actually works or not, I don't have high hopes ) However, they still have not fixed the issue with the over credit on my online account. I already talked to them on the phone about this ( where they admitted that it was a mistake and could see the correct amount on their backend ). This is now causing additional problems since they have lowered my monthly payment due to the incorrect overpayment amount. This will be a problem if the auto-payment starts working since it will under pay the loans. This is beyond completely ridiculous. I've never seen this level of blatant incompetence.
Product: Credit reporting or other personal consumer reports

i dont recognize none of the hard inquiry on my credit. i didnt authorize them ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX XXXX, Account name : XXXX # XXXX XXXX Account name : XXXX, XXXX. # XXXX XXXX Account name : XXXX, XXXX. # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, and Account name : 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

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report.

These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately.

The accounts to removed are as follows : US DEPT OF EDUCATION US DEPT OF EDUCATION 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

Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report, despite my previous attempts to resolve these errors. My experience aligns with the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian ( Case No. XXXX ) on XX/XX/year>, in which the agency alleged multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Specifically, Experian has failed to conduct reasonable reinvestigations, misrepresented the nature of my dispute to furnishers, and continued reporting inaccurate information in violation of my rights under federal law. 
Accounts/Items in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Violation of FCRA Requirements Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. However, according to the CFPB lawsuit, Experian has a pattern of : Failing to forward all relevant dispute details and supporting documents to furnishers. 
Relying uncritically on furnishers responses, even when they are illogical or inconsistent. 
Sending consumers misleading or unclear results regarding dispute investigations. 
Allowing previously deleted inaccurate information to be reinserted onto credit reports.

My Legal Rights & Requested Action Pursuant to the FCRA, I request that Experian : Conduct a proper reinvestigation of my dispute by forwarding all relevant information and supporting documentation to the furnishers. 
Provide me with a written statement detailing whether the disputed information has been corrected or deleted. 
Immediately delete or correct all inaccurate, incomplete, or unverifiable information from my credit report. 
Cease the reinsertion of any deleted inaccurate information unless it complies with the certification and notification requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide me with a free updated copy of my credit report once the disputed items have been resolved.

If Experian fails to properly investigate and correct my disputes in compliance with federal law, I am prepared to file a formal complaint with the CFPB and seek legal action for damages under 15 U.S.C. 1681n and 1681o.

I have attached copies of supporting documents ( credit report, correspondence, payment records, etc. ) to substantiate my dispute. Please respond to this dispute within the 30-day period required by law. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. - States I have the right to privacy.

Section 604 A Section 2-states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) and 1681s 2 ( A ) ( 1 ) Transunion doesnt allow you to dispute this for some reason
Product: Credit card or prepaid card

In XXXX, I received a letter from Synchrony Bank asking me to sign a paper that would give them consent to access my information with the Social Security Adminstration for 90 days. They stated that failure to grant them this permission within 30 days from the date of the latter would result in the closing of my JC Penny, XXXX and PayPal accounts. I feel this is seriously crossing a privacy line to request this level of personal information access. There are no payment problems with these accounts. I make payments bi-weekly.
Product: Debt collection

I have made numerous attempts to Receivables Management Corporation located at XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX to validate my alleged accounts with them after receiving threatening and harassing phone calls. My request for validation is responded to with form letters stating they have no duty to provide verification. <P/>This company is in direct violation of the FDCPA. I have requested the account be returned to the original client for further validation, but they have refused. <P/>XXXX is stating I have an outstanding balance of {$2700.00} from XX/XX/15.
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 confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX I looked at my Equifax credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 168 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generaiff, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention :
Product: Checking or savings account

Had a problem with online banking and my email being taking over and I recently gained access back to my email account not entirely the email address does not come back to me someone still has access to my email but I can get in from my phone, my online banking, I can not gain access to my bank account due to a problem with online banking which I do not use except to deposit checks from time to time, i have went into the branch and its been kicked over to a department whos investigating the matter of online banking issues, I told them I dont wish to use the online banking I just wish to come into the branch and I can not access my funds and Im on the phone constantly trying to regain access to my account, I cant access my funds or pay bills with my debit card due to issues with online banking
Product: Credit card or prepaid card

I have 2 different comenity accounts, one for Big Lots and my newest one through XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX When I got my first bill for big lots 8 months ago, they did not cash my check for weeks thereby marking it late and assessing me fees that I should have not accrued. I called the company and they finally removed the fees and I haven't had a problem since with them. I got my first bill from XXXX & XXXX last month and sent my check even earlier, knowing what happened with Comenity last time and now, almost 3 weeks later, I get another bill with {$86.00} in fees for a bill I was paying off in full. They have not cashed my check and I just had to put a stop payment on it. The bank shows it was sent out in time to be received and processed. This time, they will not do away with the fees. Short of me driving across the country to hand deliver this check, I'm at the mercy of the bank, post office and comenity to guarantee it gets there and on time. I find it far too coincidental that in 8 months with 100 % of my comenity accounts, the same trick has been played. They haven't had difficulty in receiving my other payments and nothing has changed.
Product: Credit card

American Express has not complied with the law. The Fair Credit Reporting Act ( FCRA ) allows you to get a free credit report if your application is denied. However, you can only get a free report from the credit reporting company that provided the report used by your lender to make its decision. The lender must provide instructions on how to request your report from XXXX or from XXXX of the other national credit reporting companies, depending on which company provided the report. In XXXX letter American express stated its denial was based on a FICO score from XXXX, but it did not provide instructions as to how to get a free credit report. The law states they must do this and refusal to reinstate an account is the same thing legally as a refusal of credit upon application. And therefore they did not comply with the law, another instance of no valid proof as to why they closed our account or anything else, because they are misstating the facts and not complying with federal rules, laws and regulations in any regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Account # XXXX Acount # XXXX Account # XXXX Account # XXXX Account # XXXX Has Violated my Rights 15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.