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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus XXXX, Equifax XXXX XXXX XXXX : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX Acct Number XXXX, XXXX,. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. There are three accounts from XXXX XXXX on my credit report with balance of XXXX, XXXX. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX, Equifax and XXXX Credit Bureau without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency. No notification was given 30 days prior negative report was made. This account has been report Charged off multiple months. When a Charge off is only done once not every month.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed.
3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX XXXX {$3400.00} DEPTOFEDUCATONXXXX  XXXX {$3400.00} DEPTOFEDUCATIONXXXX  XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX  XXXX {$3700.00} DEPTOFEDUCATIONXXXX  XXXX {$6000.00} XXXX XXXX {$940.00} XXXX  XXXX {$970.00} XXXX XXXXXXXX {$940.00} XXXX XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

1. XX/XX/2017 I disputed everything on My Credit Report with Equifax Requesting Physical Verification of Claims. 
2. Today is XX/XX/2017 and i still havent received a completed Response from online, email, phone, or mail, its been 32 days. 
3 I have attached online snapshots of there Business Practice along with my Dispute letter and my Identification. 
4. Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE IS REFUSING TO UPDATE IN MY CREDIT REPORT AN ACCOUNT THAT IS NOT MINE ACCOUNT # XXXX OPEN SINCE 2019. 
BEEN DISPUTING THIS ACCOUNT FOR A LONG TIME
Product: Student loan

I took out multiple loans for culinary school. Recently the federal government repaid my federal loans as they used predatory practices to obtain the loans. I asked for paperwork to discharge my personal loans. On the basis of school misconduct. They wont send me the paperwork.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING A LATE PAYMENT ON MY CREDIT PROFILE WHICH HAS DAMAGED MY CREDIT SCORE XXXX AND HAS HURT MY ABILITY TO OBTAIN A GOOD CREDIT SCORE AND RECIEVE OFFERS OF CREDIT FROM COMPANIES IN COMMERENCE. I DON'T BELIEVE EXPERIAN DID A FARE INVESTIGATION IN THIS MATER AS WELL AS THE OTHER AGENCIES, XXXX AND XXXX, XXXX XXXX. THIS HAS HURT MY CREDIT IN A SEVERE WAY. AGAIN DROPPING MY SCORE XXXX POINTS. I WAS IN THE XXXX 'S AND IN EXCELLENT STANDING WITH COMPANIES WANTING TO DO BUISNESS WITH ME AND OFFER CREDIT TO ME. 

UCC CODE VIOLATIONS : 15 USC 1666b 15 USC 1637b 15 USC 1681s-2 15 USC 1681i To name a few. 
XXXX XXXX is NOT MY ORIGINAL CREDITOR AND HAS NO RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT, AS THEY NEVER LOANED ME ANY MONEY FOR A MORTGAGE AND ARE A THIRD PARTY AGENCY. XXXX XXXX HAS BEEN MAKING ERRORS ON MY MORTGAGE PAYMENTS AS IT REPORTED MY MORTGAGE WAS PAID IN FULL, THEN REMOVED MY MORTGAGE OFF MY CREDIT PROFILE THEN PUT IT BACK ON MONTHS LATER AND STARTED REPORTING ON MY MORTGAGE AGAIN. CLEAR ERROES HAVE BEEN MADE. EXPERIAN DID NOT DO A POPER INVESTIGATION WHEN I COMPLAINED AND SENT COMPLAINT TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX {$710.00}, XXXX XXXXXXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$24000.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX {$12000.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$2100.00}, XXXX XXXX # XXXX {$1400.00} 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items were inaccurate and does not reflect the current status of the items. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. KIndly help me remove the items : XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX  XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} ; XXXX  XXXX Balance Owed : {$31000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX  XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} ; XXXX  XXXX Balance Owed : {$31000.00} ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00}.
Product: Debt collection

In XXXX of 2011 I was assigned a cell phone number by my company. Since that time an undisclosed company has been trying to collect a debt for one XXXX XXXX, whom I assume is the previous holder of the phone number ( XXXX ) XXXX. I tell one debt collector that I am NOT XXXX XXXX, and to stop calling me. The collectors will not tell me whom they are trying to collect the debt for, but whomever it is just hires one collector after another, and for the past 12 years it has been very harassing. Now the Debt collectors are resorting to texting, and I don't know how to report them- so I am trying this avenue. The Company currently texting is : " XXXX XXXX XXXX at ( XXXX ) XXXX regarding a matter of AFFIRM INC . I am also told to go to XXXX XXXX XXXX, but I don't visit possible spurious sites. Can you please find a way to have these collectors stop. Twelve years is Ten years too long for these people to get a hint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday night on XX/XX/XXXX, I submitted a complaint about that XXXX keeps illegally information which was successfully discharged by FEDERAL JUDGE in Washington DC in XXXX. I already contacted XXXX about this problem in XXXX, they did not respond to me and explain why and what for XXXX still keeps illegally outdated info, which was removed from all credit reports in XXXX? According to US Trustee - who made payments to PFCU- she paid in full for PRINCIPAL to XXXX. 
the XXXX got in full payment for principal. 

I also have had an attorney for Bankruptcy ( RECESSION TIME XXXX ) whom I informed about this and I asked XXXX to contact my attorney and not me PFCU still is keeping a feature on my account at XXXX, and asks me to make PAYMENT. also this case was discharged in BK in XXXX. Case closed. 
JUDGE wrote on the ORDER : no creditor collector can come to me and ask for payments after it was discharged in the court of law. 

The XXXX still keeping old pre BK info and statements and still asks me to make payments. 

I have no other choice but to notify my attorney for BK about this violation of the bankruptcy law. 
FYI BK CH XXXX to stop foreclosure was successfully discharged in XX/XX/XXXX. 

I submitted complaint yesterday night, it was emailed to XXXX, I received a response today : that they deny to me in credit card because I was causing them a loss in XXXX. 
I did not ask them for credit card. I asked XXXX to remove illegal improper information what they keep there on my account and they ask me to make payment for the card which was filed and discharged in BK CH XXXX to stop foreclosure. 
They can not ask me for payments and now I will contact attorney about this.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

Bridge crest from XX/XX/2016 is still on my credit ... after they have the wrong information on my credit and it's affecting my score. I sent letters and disputed so many times and it comes back accurate results. Please erase Bridgecrest XXXX off my credit. Also it's been 7 years the accounts been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There is a name other than mine on my credit report.. " XXXX XXXX XXXX '' and the XXXX address is not mine
Product: Mortgage

My home was foreclosed. The particulars include 42 months of negotiation with the lender to no avail, including filing bankruptcy twice, once a chapter XXXX, then again a chapter XXXX, each with a stay of foreclosure provision. Each time asking for a " workout '' to restore the loan status to 'current '. I filled out documents many times forwarding personal and private financial information to the lender / servicing entity. During this process I received several inquiries and solicitations from third party law firms suggesting they would take up my cause and would help in getting a remedy, ie refinance, short sale, deed in liu, loss mitigation, etc. one of the options put forward was the real possibility of something called a motion for quiet title, which would qualify because my note and title were separated twice rendering the mortgage invalid, that is it ( the mortgage went to XXXX twice. One of these firms indicated my case would be a slam dunk because of twice going to XXXX and because I am a military veteran, and I have an XXXX child living with me. At one point the lender offered a trial loss mitigation with all the provisions spelled out. I fulfilled all requirements in a timely manner then called lender to ask whats next? The response was, " just keep sending payments ". I said, " I will do that when I receive a statement showing how those funds were applied. The lender was unresponsive, so I stopped additional payments. When I called after another month, I asked out of frustration, what about a short sale. They explained how a short sale worked and then after another month told me I did n't qualify for said short sale according to FHA rules. I asked for any other provision and they said they would mail me something. After another month I received a slick shiny packet, first item was a marketing piece about a short sale, and a second piece about a deed in liu. As notification of foreclosure sale time and date approached I signed a listing agreement with a realtor who assured me a short sale could work if he could get a contract signed, which he did. XXXX XXXX XXXX ruled the form submitted was the wrong one even though it was on the lending companies letter-head. That letter included an acceptable form which required a notory. Even though this requirement was was announced one day before sale date, said notory was obtained and the form was forwarded to the lender. No response. On the sale date I called the lenders atty, stating the obvious, they said all they needed was a call or fax from lender to reschedule the sale. I then called the lender to convey verbally the message from their own atty 's, the single point of contact put me on hold and after indeterminate amount of time, and returned to the call saying, " thank you for your patience, but the home was sold at auction ''. This occurred on XXXX XXXX 2015. To date ( XXXX XXXX, 2015 ) I have not received confirmation of such a sale. I think something is a miss.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX. I just received a copy of my credit report. I noticed that you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report .Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting or other personal consumer reports

I was looking at my XXXX XXXX credit card report and noticed there are inaccuracy in my report. Please investigate
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to this company regarding reporting derogatory items on my credit report. In accordance with the fair credit reporting act the credit bureaus has violated my rights.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I did not give written consent or permission.

15 USC 1666B states a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose ( XXXX XXXX XXXX account ).
Product: Debt collection

This is the second time I have filed this claim. I filed a claim a month or so ago, and It was resolved on XX/XX/XXXX with it being closed. Transworld was contacted and they did not give information that justified the calls. They are a known scammer. Case # XXXX. They are calling me again and leaving the same recorded message as before. They have called and left messages on XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX, XX/XX/XXXX @ XXXX XXXX from the same phone # - XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, American Express requested a {$200.00} payment from my XXXX checking account. On XX/XX/XXXX, American Express charged me {$27.00} for a returned payment and I was also charged a fee at XXXX. My XXXX representative and I called American Express to request if they could stop automatically sending requests to my bank account, because each time this happened without sufficient funds, be it for {$1.00} or {$100.00}, I would be getting charged fees on both ends. My XXXX rep was willing to work with me, while American Express was not. 
American Express communicated that requesting payments from my bank was out of their control because it occurs automatically and there is no way to stop it. Customer Service at American Express claimed that it was unable to involve itself in the process. 
American Express made no attempt to help me with this, and as a result, regardless of how much the amount could be, I would potentially be charged multiple times by my bank because American Express claimed that it has no control over a system that is automated. My bank was willing to work with me for these charges, but American Express, who could have worked to prevent these payment requests from recurring, was not able to offer any other solutions. 
Just to illustrate, let 's say that the payment request to American Express is {$1.00}. If I have a negative balance of - {$2.00} at my banking institution, and they reject the merchant 's request, I would still be charged {$27.00} at American Express. Even if escalated, based on what the customer service rep communicated, they would not be able to stop the future merchant requests for {$1.00}, no matter what.