23daVinci/CFPB_Complaints huggingface dataset:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a mortgage with XXXX XXXX XXXX that was sold to Carrington Mortgage Services. Carrington then contacted me via phone regarding their " no out of pocket '' /no cost rate reduction program that would lower my interest rate and payment. When I inquired " why '' /how they made money, the rep indicated that they wanted a portfolio of people paying their mortgage to increase the investment value of the company. He also continued to stress that this would be better than a traditional refinance, because I would avoid costs, appraisals, etc. He often said we needed to act quickly to lock in the rising rates - and so he could send over the disclosure for me to sign. I asked for a breakdown on the payment ( P & I vs. Escrow ) and he did not supply. Also, there was never a mention of additional costs/fees/etc - only that my payment would decrease. When I looked at his recap - I noted he had added on XXXX {$7000.00} to the current value of my loan - without ever having been mentioned. I questioned this - and he explained there was a FHA insurance fee rolled in. I did not go forward with the refinance - but, am concerned that others may be deceived.
Product: Credit reporting or other personal consumer reports

I REQUESTED a factual dispute with experian there response was the creditor said the information was accurate when in fact it isn't charged off account XXXX cant not have a past due amount and reporting charge off every month in the payment history manipulation of the statute of limitations
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX D.O.B : XX/XX/XXXX S.S.S. : XXXX According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make suer that my private information isnt shared which is backed by 15 USC 6801 It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protection of security and confidentiality of the customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 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 it relates do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is explained how the consumer nondisclosure option. Not only 15 USC 1681C ( a ) ( 5 ) Except as authorized under subsection ( b ), but no consumer reporting agency may also 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. This account is an adverse item they are reporting again without my permission is against the law. 15 U.S. Code 1681s 2 ( A ) ( 1 ) A 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 the information is inaccurate. 15 U.S. Code 1681e Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports purpose listed in section 1681b of this title. XXXX and XXXX ( Are Not Reasonable Procedures ). 15 U.S Code 6805 Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq ] this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer of Financial Protection.

I am opting out of your reporting services and following agencies. 
Please remove the list of the following : Remove any old or duplicate addresses from my report it is a non-mailable address. 
Remove any old or duplicate phone numbers Remove any variations of my name that are incorrect Place a security freeze on all your reports Sincerely, XXXX XXXX This is not a XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent XXXX XXXX credit card that still appears on my account. I repeatedly told XXXX XXXX that this credit card is not mine and fraudulent charges were made to it. XXXX XXXX did nothing, absolutely nothing, to help me. THIS FALSELY ALLEGED DEBT IS OVER SEVEN YEARS OLD AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND ITS IMMEDIATE REMOVAL FROM ALL OF MY CREDIT REPORTS ASAP. I will never work with XXXX XXXX again and will warn all others to stay away from this predatory lender. I will tell my story to everyone to discourage them from getting any financing or banking with XXXX XXXX.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

Someone seems to have access to my personal information and is trying to ruin my credit. In XXXXXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a XXXX XXXX XXXX a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem. 

InXX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement. 

Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I had several personal loans with Affirm that all went to collections at once. In the span of less than 2 weeks about a year later, I paid off every single one. 1 was done on a particular date ( Loan ID XXXXXXXX XX/XX/XXXX but charged off XX/XX/XXXX in the amount of {$71.00} ), and the other 6 were on a different date ( various amounts and dates charged off, all paid XX/XX/XXXX ). I have disputed this so many times with XXXX ( showing up as account XXXX ) but each time they say it remains and the company certified the balance is correct/remains. When I contact Affirm, they say that THEY confirm the balances are all paid. When I contact the collection agency they used, XXXX, they say they see my payments as all being made but that the report has to cone from Affirm to XXXX to confirm it. And then XXXX again still says it remains. This has now been paid off for nearly 3 years but still shows as me owing a balance while all the other accounts show as paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the presence of fraudulent items on my credit file. Despite my previous attempts to address this matter, the inaccuracies persist, causing significant harm to my credit score and financial standing.

There are items on my credit report that are the result of identity theft or fraud. These inaccuracies have been impacting my credit score and causing distress.

I have submitted dispute requests along with supporting documentation to prove the fraudulent nature of these items. However, I have not received a satisfactory resolution to date. 

The presence of these fraudulent items on my credit file is adversely affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I am requesting that you conduct a thorough and expedited investigation into these fraudulent items. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the investigation 's progress and resolution. It is crucial for me to receive assurance that these fraudulent items will be promptly removed from my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file 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 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: Debt collection

On XX/XX/2022 GM Financial received a request to validate the alleged debt pursuant to federal law. My vehicle was also repossessed. As a federally protected consumer my rights has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XXXX XXXX, 2017 informing them that XXXX XXXX XXXX had pulled my credit report without my authorization. Furthermore, XXXX XXXX XXXX also pulled ran a credit inquiry with XXXX XXXX and XXXX XXXX. Again, I have never had any dealings XXXX XXXX XXXX. I requested these hard inquiries be removed from my file with Equifax. Equifax informed me they could not remove the inquiries and I would need to contact the companies directly, which I did. XXXX XXXX XXXX found no record of any transaction I ever had with them but being the unscrupulous company they are ( an F rating with BBB and revoked status ), they still have not removed the inquiry either. XXXX XXXX stated they had a record of an inquiry from XXXX XXXX at XXXX XXXX XXXX, so they could not remove the inquiry, XXXX XXXX XXXX would need to do so. So I am getting the runaround from everyone.
Product: Checking or savings account

Bank of America put a hold on my business account over three weeks ago and all my employee checks have bounced. They refuse to release my money or give me any dates they will do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX but not XXXX or Equifax and it dropped me over 30 points that it shouldn't have. And now equi and XXXX are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX was totaled in an accident in XX/XX/XXXX. 
Wells Fargo is the bank with which I had the loan from. 
XXXX XXXX XXXX XXXX XXXX XXXX off all of the pending dues to the bank and then there was a problem with 'Gap ' insurance, which was resoled by you folks, CFPB, after I wrote to you. 
Due to family tragedy, I Lost the document from your office stating I did not owe anything to Wells Fargo. 
Trying to refinance a vehicle a few days ago, the dealer showed me a negative document from XXXX Credit report that shows Wells Fargo still has falsely put the claim for $ {$14000.00} on me. 
This is a clear case of fraud and illegal business practice by Wells Fargo. 

I am requesting your office to mail me ( and email also, just in case ) the document that you had sent me earlier which shows I do not owe any money to Wells Fargo. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2019 I settled this debt with XXXX credit systems. I do not owe this debt. I C Systems has made an attempt to collect a debt that wasn't mine previously and I've had to contact them about it. The debt was removed. I have never done business with IC Systems.
Product: Credit card or prepaid card

On XX/XX/2022, I received communication that my account was closed despite it having a zero balance for several months and despite me never being late with the lender. I kept the account open to show positive on my credit report. Now with the unilateral creditor closure without any warning at all, will gravely affect my credit score. This is unfair for a regular American like myself, having XXXX children and trying to make the best of my life and my financial obligations which I never escape from. The creditor is Synchrony Bank for Care Credit. I had another account with them years ago and they closed it last time for none use. This time they closed it claiming low credit score and high balances. They do not know my situation and have no idea that my refinance which I have attempted 3 times in 3 different timeframes keep making hard inquiries that have costed me big for no reason at all. All a waste of time with each lender too. I am defeated with these creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor Information XXXX   XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a data breach, and my account keeps getting hacked. They have changed my name and my phone number on my fraud alert. I had my account frozen ; the hacker froze it and kept opening bank accounts in my name. Please help. Ever since Experian started advertising on XXXX, everyone 's account keeps getting hacked.
Product: Credit reporting or other personal consumer reports

The reporting of the late payments from account XXXX ACCT # XXXX Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. The PAYMENTS ON THIS ACCOUNT WERE NEVER LATE! AS ITS ILLEGAL TO REPORT ANY TIMIMG OF PAYMENTS THAT INCURRING ON FINANCE CHARGES. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1666b. 
Which also allowed the credit agencies XXXX XXXX, EXPERIAN, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - Purchased a XXXX XXXX XXXX Autograph Authentic Star # XXXX Card from merchant for {$17000.00} using a XXXX credit card via XXXX. XX/XX/XXXX - Card was received and I had suspicions that the item was fake. I attempted to contact the merchant many times and he was non-responsive via email, phone, XXXX and XXXX XX/XX/XXXX - Started a dispute with XXXX. I called PayPal as well and they said I had to work through my dispute with XXXX. Paypal flat ourt refused to assist with any buyer protection and there was no option on there website to do so. XXXX to XX/XX/XXXX - Spoke to over a dozen XXXX reps, spent over 6 hours on the phone, made 30+ phone calls and uploaded 20 + documents. XXXX has provided conflicting advice many times, including whether I should return the card or not. Ultimately, they told me not to return the card and I still have the fake item in my possession. They told me to get an independent authenticator to verify the item was fake and send it with my dispute. I paid over {$100.00} to get this done in XX/XX/XXXX and the authenticator confirmed 100 % the item was fake. I did every single thing that XXXX told me to do and was denied at every turn. XX/XX/XXXX, I filed a Police Report with the XXXX, Florida Police Department. On XX/XX/XXXX, XXXX from XXXX called for the third time to again tell me my dispute was declined. They misstated that the item was purchased on XXXX. This was a direct purchase from a merchant, not purchased on XXXX. After this entire XXXX month experience, I can only conclude XXXX is the most fraudulent, dishonest and incompetent credit card provided in the United States. PayPal provided no help at all and denied me every single time I called. PayPal wouldn't even let me file a complaint.