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

To Whomsoever it May Concern ; This is about the Consumer credit Transaction initiated on ( date ) with your financial institution executed by way of signing an Agreement ( " Document '' ). 
As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 

In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX & XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution. 

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA. 

PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; ALL XXXXXXXX XXXX XXXX XXXX ALL NAVY FEDERAL CR UN If you accept my request, I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX Legal Grounds XXXX Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - originally I got the mortgage XXXX XXXX and within 30 days they changed my company and within 60 days they reported to credit bureau I was late. I sent the payment to my first company, thinking they were gon na be holding my mortgage. I conitnue to make the payments to XXXX after I moved into the house and my credit score had dropped. I then found out they had reported me late and charged me late fees for everypayment after that. I disputed with the company and they told me to dispute it with the credit bureau and that they did not have it on their records that I was late. It is showing on my credit report that they did report me late. 
I already made a report the cfpb and XXXX reported that it was fixed in XX/XX/XXXX in their response. However as of XX/XX/XXXX it is still reflecting on my credit report.
Product: Credit reporting or other personal consumer reports

I have never authorized these inquiries and they are due to fraud. 
XXXX XXXX  Location XXXX XXXX  XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Feedback Inquiry Type Individual US DEPARTMENT OF EDUCATIO XXXX XXXX XXXX XXXX XXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
Product: Debt collection

JPMORGAN CHASE is falsely reporting an alleged debt that is not mine. XX/XX/2022 I sent a Validation of Debt letter, as required by law under the Fair Debt Collection Practices Act. They responded with none of the requested documentation pursuant to 15 USC 1692g Section 809 ( b ) nor did they provide evidence that the account ending in XXXX is valid. As such, they have failed to respond within 30 days of receipt. 

During this process, my credit report has suffered from several negative items that were reported to the major credit bureaus for a debt that I dont owe. I have been violated under this notion and believe that there is no proof to the contrary. 

XX/XX/2022, I sent an Affidavit of Truth in good faith to resolve the issue and an attached Bill of Particulars of the total charges of violations from JPMORGAN CHASE. 

XX/XX/2022, I sent a Notice of Fault to give JPMORGAN CHASE one last opportunity to respond and have not heard from them. 

XX/XX/2022, I sent a Notice of Default and an Opportunity to Cure letter to JPMORGAN CHASE with no resolution or response.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with AFFIRM INC and my goal is to maintain the relationship weve built over the past year. I recently pulled my XXXX credit report and discovered I have a late payment that was reported in XX/XX/2022 for my AFFIRM INC Credit Card. During that time period, I had a XXXX XXXX  due to XXXX. I mailed AFFIRM INC several letters informing them of my financial hardship at the start of the Coronavirus pandemic. Unfortunately, the Coronavirus pandemic has brought unforeseen circumstances into my life. As a direct consequence of the pandemic, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my AFFIRM INC account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The Coronavirus pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the Coronavirus pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the Coronavirus pandemic and to provide relief to individuals affected by the Coronavirus pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to Coronavirus hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control.

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act. I desperately need this mortgage and I would
be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : XXXX Late Payment Date : XX/XX/2022 XXXX
Product: Vehicle loan or lease

On XX/XX/2024 I traded in an XXXX financed with XXXX  XXXX  to a Nissan dealership in XXXX Texas. The dealership agreed to payoff the rest of the amount owed to XXXX, while we agreed to finance a new car with them. They did not send the money to XXXX until XXXX XXXX. Due to the money being sent 39 days after the agreement, our lease with XXXX  was considered delinquent due to missed payment and my credit score dropped XXXX points. I had to ask more than three times if the money was sent before getting a tracking number of a money order that was sent XX/XX/XXXX. 

Nissan also sold the car with one of the main selling points being a certified XXXX mile warranty on the car, this required yet another visit in person to obtain as phone calls and emails were not being answered, I even had to deny being told that I did not purchase this, as I told them the warranty was already certified prior, as the sales rep repeatedly stated the day of purchase. After the financier called the service department, service stated that yes, the car had been certified for a XXXX mile warranty before the purchase, which resulted in me being a handed the warranty packet minutes later. 

At the end of it, I went into this deal with a XXXX credit score that is currently XXXX, due to the late payment with XXXX, this was our one and only late payment on the lease. The dealership advised me to open a dispute with XXXX to correct the score, XXXX dismissed the dispute due to late payment and credit score remains XXXX. I would like my credit reinstated. 

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

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the XXXX and my local police department. I send all documents to the C.R.A and Sequoia Financial Service. The Account Opened is Sequoia Financial Service Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$1900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$490.00}, XXXX XXXX XXXX  Balance Owed : {$500.00}
Product: Debt collection

On XX/XX/2020, at approximately XXXXXXXX XXXX I applied online for an apartment.. I received and email at XXXX with information to access my application and a link to complete the application. I also received an email stating " almost done! '' at XXXX XXXX. At XXXX, I got an email saying, XXXX XXXX. At the same time I received an email stating XXXX will review my completed application soon. At XXXX the same day, I received an email stating " others on the application that will need to complete their application before the application can proceed. '' At that same time, I received another email stating, " oh, so close. '' " Remember, just because you have completed the application does not mean that you are finished with the leasing process. We still need to get your lease finalized. '' I did not do anything from that point on and chose to apply for a different apartment in XXXX. I applied got approved, and then, signed a lease with them. I have never XXXX did I complete the process -- as their email verifies. I am in collections because of, misleading practices. I am not unique to this deceptive practice. I saw the same complaint with the BBB after being contacted by a collection agency. They are taking advantage of college students who are looking for housing and weighing their options. We did not come to an agreement nor a meeting of the minds. I applied for an apartment but never completed the process, nor did a co-signer sign on my behalf, which was required. 

On XX/XX/2020, at XXXX, I received an email stating, " We hope you're excited as we are for Move-in Day! This was a surprise to me because I did not complete the process. I had already secured an apartment. I called to let them know I was not going to lease from them and did not complete the process. I was told I signed the lease when I applied for the unit and that I needed to find someone to lease the unit. I was not in agreement I have emails that support my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX  XXXX Account # XXXX & Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : Account : # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 120 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX Account # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Debt collection

This discrepancy is unacceptable and calls into question the integrity of your credit reporting process. This not only raises serious concerns about your bureau 's commitment to compliance with the law but also places an unjust burden on my financial standing. 

XXXX XXXX  XXXX PLEASE REMOVE!!! I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. 

If you have failed to verify the accuracy of the information, I demand that you take immediate steps to rectify this by engaging in a thorough verification process. The information in question is not only damaging but has been proven inaccurate by other credit bureaus. Promptly correct the inaccurate information on my credit report to accurately reflect my credit history. If you are unable or unwilling to verify the accuracy, I insist on the immediate removal of such information.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Ihave acharge off account on my credit report negative which is effecting my score ihave disuse whithe 3 agency XXXX removit but experian and XXXX  they didnt remove it I send them both a letter to send information how did vareviy the disput how they talk to and to send me a copy of investigations a copy of my original contract from the creditor or any agreement if not I want them to remove it or delete it thank you
Product: Mortgage

I submitted a document pertaining to a XXXX XXXX stating that XXXX XXXX would record a DEED that stated my name would be removed at the request of the loan company. XXXX XXXX stated that they could not locate that document. That document was presented to me in order to release my name from the Deed. The XXXX XXXX XXXX XXXX XXXX has instructed me to contact the escrow company that handled the sale of my property. I explained that I never sold my property or ever received a dime from the escrow company. This is what I was told, in XXXX of 2001 when I added XXXX XXXX as a Joint Tenant I was paid {$75000.00} and on the day that I removed my name from the DEED XX/XX/2001 I was paid {$170000.00}. I explained to the clerk that I only removed my name at the request of the loan company so my property could be refinanced. The amount of the loan was {$170000.00}. The clerk explained that XXXX XXXX would be able to explain the process. I took the DEED to XXXX XXXX and they assured me that the {$170000.00} was for a refinance, not a purchase. The refinance was used for the down payment of a property we were buying and XXXX XXXX released a check in the name of XXXX XXXX. XXXX XXXX has passed away with out a will. This information from the XXXX XXXX XXXX was unknown to me. What happened to the signed XXXX XXXX. What does XXXX XXXX know about the amount of money that the XXXX XXXX claims I was paid. I know I never sold my property or ever received any money from escrow.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was given this pay card from my employer and I hardly used it because the money I was saving it for college. In checking the account recently I noticed charges on the card I called and disputed the charges the alleged to have credited the money back to my account which should have been {$960.00} from my paychecks when I worked at XXXX  and now from what I'm being told someone was using my card for XXXX  rides and I don't use XXXX  or have a XXXX account and so I did yet another dispute and now different reps are telling me different stories and my social isn't pulling up my account thru the automated system. So at this point I just want my money back and I have been advised by my families attorney to do a document only police report so I will be doing that and I will make sure I hold on to all emails between myself between XXXXNetSpend Account # XXXX  XXXX XXXX  Birthdate XX/XX/XXXXLast four of social XXXX