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

In Consumer Law of 15USC code 1681a, transactions and history amounts are not to be reported. Also 15USC code 6802 was violated. I was not ever given and have not or ever given the option to OPT OUT of anything being added to my consumer report. Equifax has never provided the option or have they ever fulfilled their part in letting me know what is being reported on my credit report. Furthermore, Equifax has also improperly reported my bank loans with my XXXX XXXX bank, who are not suppose to be reporting to them, because they are a 3rd party, which is according to the Fair Credit Reporting Act and the Privacy Act of 1974. They never informed me of my right to exercise my disclosure option. 15 USC 1681 C ( a ) ( 5 ) states, Except as authorized under subsection consumer report containing any of the following items of information, other than records of convictions of crimes this antedates the report by more than 7 years. Once again the this agency is reporting without my consent it is against the LAW 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating a consumer reporting agency if the person knows or has a reasonable cause to believe the information is not correct. 15USC code 1681 e also states every consumer reporting agency shall maintain resonable procedures designed to avoid violations ( section 1681b of this title ). Also in 12CFR 1016.7 states a consumer may exercise the right to OPT OUT at anytime. I am opting out of the reporting services. Furthermore, whatever happen to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure the consumer reporting agencies exercise their grave RESONSIBILITIES with FAIRNESS, impartially and respect for the consumers rights to privacy ''. I have a right to make sure it is not shared which states in 15 USC 6801, " Is is in the policy of Congress each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of consumers nonpublic personal information. The credit ( Equifax ) agency absolutely has not nor my written, implied verbal or non-verbal consent. Once again, I am OPTING OUT of your credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to my XXXX XXXX XXXX XXXX loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and XXXX XXXX to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, XXXX XXXX, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from XXXX XXXX to support my claim.
Product: Consumer Loan

I have had an auto loan with M & T since XX/XX/2014. The payment date is no later than the XXXX of each month. If the payment is made after that time then my loan would be assessed a late fee. I have made every payment for this loan prior to that date. The loan is issued to myself and another individual however I am the person who makes payment on the loan. Last month I made a cash payment to a teller in XXXX New York. At that time I had a issue in which the teller harassed me. I asked to speak w a manager and the conversation ended with her expressing to me that M & T would contact the people listed on the loan every day until necessary information was updated. I made a call to M & T customer service and filed a complaint. I explained that the representative at the branch made a verbal threat. They advised they would file the complaint and forward it to the proper party. Neither of us who are listed on the loan have ever been contacted about lack of payment or late payment until today. The other individual on the loan was contacted by an automated system. They called back and at that time they were told that the reason for the call was in attempt to collect a debt and that the account was delinquent. Which is not the case as the payment is always made within the warranted time frame given. They also told him that they had no information to contact me as their computers do not allow them access to the same information as customer service. I called M & T to find out the issue. I expressed to them my concern as to why the call was made to the other individual on the account as the company was making it out to seem as though the loan was in a delinquent status. I also questioned as to why if all my prior payments made have all fallen within approximately the same timeframe was a call made to him for this month. My concern essentially was that M & T was using this as a way to harass me due to the complaint I made last month on the XXXX. If my payment in XXXX was made on the XXXX and Prior to that on XXXX XXXX why all of a sudden M & T feel the need to make this " collection '' call. M & T has never reached out to either one of us prior to this point. My payments have never been made late but in retaliation to my complaint I feel as though M & T made this call to the other person on the loan in attempt to humiliate me. They tried to make it appear as though I was not " paying my bills '' or holding up my end of the agreement which could not be farther from the truth.
Product: Credit card

Since XX/XX/year>, I have been utilizing your credit card services after arriving in the United States in XX/XX/year>. However, due to an unfortunate misunderstanding, my account was closed abruptly, stemming from a mistake on my part when signing the XXXX XXXX for XXXX XXXX XXXX XXXX form. I wholeheartedly acknowledge this error and sincerely regret any inconvenience it may have caused. 
The cessation of my credit card services has significantly impacted my financial transactions, hindering my ability to manage day-to-day expenses effectively. Despite repeated attempts to reapply for a new credit card, I have encountered obstacles as your system has not permitted me to proceed. 
As a postdoctoral researcher affiliated with the University XXXX XXXX XXXX, I am able to provide documented proof of my tax treaty status, which exempts me from certain tax obligations. I have enclosed all relevant tax treaty papers from my university for your reference and verification. 
I am reaching out to respectfully request your consideration in reinstating my credit card account, thereby granting me the opportunity to continue utilizing your esteemed banking services. I assure you that I have maintained a commendable credit history with your bank, and there are no outstanding balances associated with my previous account. 
Should you require any further clarification or documentation, please do not hesitate to contact me at the provided phone number or address. I am readily available to address any queries or concerns you may have regarding my request. 
I sincerely hope for your understanding and cooperation in this matter. Your favorable response granting permission to open a new credit card account would be greatly appreciated and would alleviate the financial challenges I am currently facing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account created XX/XX/. This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation* ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take ne action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal actinike against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act Dislike You will be required to appear in a court venue local to me, since you are clearly doing business in my For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you wO be collected as evidence should any further action be necessary. This is a request for information only. and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request for the removal of the erroneous information about my accounts that has been neglected by TransUnion Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports :
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : According to 15 U.S.C 1681 ( 4 ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 15 U.S.C 1681b, 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. 15 U.S.C 1681c, Except as authorized under subsection ( b ), 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. With that being said, there is no such thing as public information. The consumer has the right to privacy. If I don't want something on my credit report, it doesn't need to be on my credit report because I have the right to privacy. The following is a list of accounts that violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX ; Account # : 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 XXXXXXXX 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 XXXX 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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit report. After reviewing my credit report from your agency, I have identified several accounts listed with incorrect account numbers. I kindly request your assistance in investigating and rectifying these discrepancies. Below, I have listed the inaccurate account information : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account # XXXX reporting to Experian and XXXX and Account # XXXX to XXXX. 
Please note that these incorrect account numbers are not associated with my credit history or any accounts I have opened. I believe this misinformation could potentially affect my creditworthiness and financial standing, which is a matter of great concern to me. 

Also, the company that operates as a business under XXXX XXXX XXXX is not licensed to collect in the State of Missouri where I am a resident. I have attached their state licenses in the attachments. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to rectify the inaccuracies promptly. As per the Fair Credit Reporting Act, I kindly request that you complete the investigation within 30 days and provide me with a written response of deletion for violation of reporting inaccurate information regarding the findings. 

Furthermore, I also request that you update my credit report to reflect the accurate account information. Please ensure that any associated negative remarks or impact on my credit score resulting from these incorrect accounts and account numbers are deleted accordingly.

Enclosed with this letter are copies of relevant documentation, including my credit report highlighting the inaccuracies and any supporting evidence, such as account statements or correspondence.

I understand that it is your responsibility to communicate this dispute to the furnishing creditor ( s ) promptly. I expect that you will fulfill your obligations in accordance with federal regulations to ensure the accuracy and integrity of my credit report. 

I kindly request written confirmation of the receipt of this dispute letter and your acknowledgment of the investigation process.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX, my company utilized Chase 's POS machine for transactions. After I settled batches for those two days on my terminal, XXXX XXXX  on XX/XX/XXXX and XXXX on XX/XX/XXXX, I called Chase to confirm these two settlements. After several days, I realized that my business bank account did not receive those amounts at all. Then, I immediately called Chase to ask about the situation. The first operator told me that the risk department was currently reviewing those two settlements, and they will release them as soon as possible. However, I waited for two days more, but I still received nothing. I called Chase again, then, they finally told me that they sent over verification documents to my email and I needed to provide evidence to authenticate those sales. 

I attached evidence ( Invoices and contracts for required transactions ) to the email and replied to them. I called again to confirm that if they need more information or documents. The operator told me to wait for 24 hours, and they would get back to me with a resolution. The next day, I called again because I did not receive the resolution from Chase. Then, they told me that they need customers ' address to proceed with the verification process. I then quickly contacted my clients and provided their addresses to Chase on Friday night. I waited until Monday afternoon to call Chase again, and they again told me their analyst was off on Monday. They asked me to wait for another 24 hours. Today, the XXXX of XXXX, I called again they promised me they would send over a resolution to my email by the end of the day. Now, I still received neither my two settlements nor the resolution. This is unacceptable because Chase Risk Department should not be so ineffective.
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 Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX 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

I have contacted Transunion concerning inquiries in my report that are fraud and wish to have them removed, i was told that the inquiries fraud or not can not be removed. the inquiries in question are below. 

XXXX VIA XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX Installments XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Trying to remove wrong addresses from the reports. Theses are the one 's XXXX XXXX XXXX XXXX tx, XXXX XXXX XXXX XXXX Tx XXXX
Product: Debt collection

American Express closed my account with approx {$7200.00} due immediately. I agree that I owe the money.I 've become XXXX 2 years ago. My only source of income is my social security every month.XXXX XXXX XXXX of Amex calls every 2 weeks since XXXX 2015 and hustles me out of {$50.00} every time. XXXX repeatedly threatens me that she will send this to an " outside agency '' if I do n't pay up. I 've explained to her I have a social secuity back pay award coming in the next 60-90 days but she will not accept that as a guarantee of payment. I 've offered to fax my documents from SS but she still insists she ca n't accept documents as proof of payment. XXXX XXXX has gone as far to suggested I sell my house, beg family and friends for loans. I fell threatened by XXXX calls and threats of going to an " outside agency '' Again I agree I do owe the money however I ca n't see how Amex with be damaged by waiting 30-60 days more to get the entire amount owed.
Product: Debt collection

I opened a line of credit with XXXX XXXX for XXXX with XXXX XXXX XXXX. I made my first payment XXXX on XX/XX/2023. I did not miss one payment. I was not able to pay on time like I wanted to because the bill was due on the XXXX of the month, which is around the same time the rent was due. I dont have enough money left over to pay this bill on time after I paid the rent, so I paid with the next check. I have 2 checking accounts. I made 6 payments with one account and 5 payments with the other. Which was a total of XXXX. 
Then they sold my account to XXXX XXXX. When the new company took over I made my first payment with them in XXXX and I made my payment in XXXX which brings my payments up to XXXX. 
XXXX XXXX is saying I owe them an extra XXXX. That is not true and I have the bank statements to prove it. I know this can not be late fees, if so this amount can not be legal. Again the amount of the credit line is XXXX and I have paid XXXX which means I should only owe XXXX. 
I found out about the XXXX when I called in to make a payment and the XXXX XXXX told me all of this and said that I bounced a check. My bank confirmed that is incorrect and again I have the statements to prove this. 
I made a payment of XXXX and said I was going to dig deeper into this matter. They are trying to rip me off and I am not taking it lying down. I just want to pay this debt off and move on. Please let me know if you need any evidence from me.