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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws by several creditors. My hope is that the Consumer Financial Protection Bureau will take action to enforce the relevant laws and ensure that my consumer rights are upheld. Additionally, I would like to share a deeply personal story that illustrates the severe impact these violations have had on my life. 

XXXX. XXXX XXXX - Account Number : XXXX - Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. 
- Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 2. XXXX - Unauthorized Inquiry - Date of Inquiry : XX/XX/XXXX - Violation : Unauthorized credit inquiry without my consent. 
- Relevant Law : FCRA Section 1681b 3. **Personal Information** - Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Violation : Inaccurate personal information reported. 
- Relevant Law : FCRA Section 1681c 4. XXXX XXXX - Account Number : XXXX - Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. 
- Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 The impact of these violations on my life has been nothing short of devastating. Due to the inaccurate and improperly verified information on my credit report, my ability to secure housing, employment, and even simple everyday transactions has been severely hindered. I have been unjustly denied rental opportunities, faced higher interest rates on loans, and felt the constant burden of financial insecurity. 

These violations have caused not only financial stress but also emotional turmoil. I have struggled to provide for my family and faced humiliation and embarrassment due to circumstances beyond my control. The sleepless nights and anxiety I've experienced as a result of these violations have taken a toll on my mental and emotional well-being. 

With all due respect, I implore the Consumer Financial Protection Bureau to take strong and immediate action to ensure that my consumer rights are upheld and that justice is served. I humbly request that you use your authority to compel the relevant creditors to remove these unverified and inaccurate accounts from my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in the best interests of consumers and ensure that my rights are protected. I am hopeful that this dispute will lead to a resolution that allows me to regain control over my financial and emotional well-being. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I've been noticing for a few years now that XXXX XXXX XXXX has been reporting incorrect account information to the credit bureaus in regard to an auto loan that was paid off in XXXX. I've placed several disputes with all 3 bureaus and the company trying to get this account updated and accurate on my credit report. This account should be paid in full as it was pronounced totaled in a car accident and my insurance company paid the lender XXXX in full back in XXXX. I recently placed a dispute on XX/XX/XXXX with all 3 bureaus and after receiving confirmation that the investigation was complete, I reviewed my credit reports and saw the company is still reporting inaccurate information. As you can see they are reporting different open dates of the account to all 3 bureaus. The date last reported, the high credit amount, the date last active and the date of the last payment are all different dates being reported to the bureaus. I don't understand how none of these dates and amounts line up if they are investigating the account and getting their information from the same company and source? None of this adds up. This account should not even be open. I've heard so many terrible things about this company. XXXX has a history of reporting things inaccurately. I've reviewed the consent order issued by the CFPB and I am a victim. Please delete this account from my credit reports immediately.
Product: Debt collection

I have been fighting a collection that does not belong to me with 4 different collection companies from XXXX, every time I ask for proof of debt and tell them I have never had XXXX XXXX, they remove the collection from my credit report and then reinsert it on my credit report a month later, or put it under a different collection company, I have lived at the same residence for the past 10 years and have always had XXXX which I can provided the bills showing that I have, each time I provide the proof to these collection agencies they remove it and then reinsert it on my credit report which is illegal, or transfer it to a different collection company, I have also reported this to Transunion, XXXX, and XXXX, which I have proof of, and they have never once provided a notice of reinsertion within the XXXX business days as required by FCRA law, they all continue to allow this to go on and affect my credit, which is hurting me financially. The collection companies are XXXXXXXX XXXX XXXX XXXX, and now XXXX XXXX XXXX, I am uploading some of letters that was sent, and the Certified USPS receipts proving everything I am saying is factual, I have other letters and proof of this illegal practice that I intend to show in Court when I sue for continued harassment, financial loss, and a lack of effort on the credit bureaus part to provide factual reports, there is no way these collection agencies could get away with this without the credit bureaus not knowing and allowing this illegal practice reinsertion and re-aging to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my report that opened without my authorization of knowledge about 5 years ago, I only found out when recently applying for a credit card that this account, showing and unpaid balance o XXXX with 37 charge offs, was the reason why I as turned down, I have always paid my bills on time, and was totally shocked to see this account with so many charge offs and how much it was hurting my score. I spoke to wells fargo several times asking for documentation regarding this loan which they never provide me, The last phone call, they even offered to remove the amount owed so it shows XXXX balance but leave all the charge offs. I did not accept
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive talk to my creditors and they said they send in update once a month to TransUnion but TransUnion is not updating my credit report. I have a XXXXXXXX XXXX accounts that has not been updated sense XXXX also an account that have not been updated sense XX/XX/XXXX another not updated sense XXXX. This is very unfair to me as a consumer when my bills are paid on time never late nothing in collections but had to have bad marks because my credit report is not being updated by TransUnion.
Product: Debt collection

I had a loan through XXXX/bridgecrest. The car was totaled out and the insurance company paid the remaining that XXXX insurance did not pay. The company is still showing this account as a charge off instead of paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters within last 45 days in regards to me not being able to obtain a credit score or report from all three bureaus, this issue is causing a big XXXX because they are not responding to my letters and im paying for a credit monitoring subscription and still cant access a report. NO communication and no reports have been sent to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE
Product: Checking or savings account

I am contacting the Consumer Financial Protection Bureau to report a fraudulent transaction of {$600.00} from my cash app account, identified by XXXX-like characters in the description. 

This unauthorized withdrawal has severe repercussions for my livelihood, jeopardizing my ability to pay bills on time. 

Despite notifying Cash App immediately, I was informed of a delay in initiating the dispute process, exacerbating the urgency of this matter. 

I urgently request the Bureau 's intervention to expedite the investigation and safeguard consumers from similar fraudulent activities in the future. 

Attached are screenshots of the transaction details for your reference. Your prompt attention to this issue is greatly appreciated.
Product: Checking or savings account

Hello, My Capital One account was closed without my request, and there was a total of {$53000.00} in it. The account was closed in XXXX or XXXX of 2023. The check was never received at my mailbox. I was forced to wait 90 days to send a request to reissue the check. The new check was never received. I began to call and request a new address for the check to be sent to. CapitalOne committed to sending the check to the new address overnight. 

The check was STILL not received. I called again and asked to reissue the check again. Still not received. 

It has now been 6 months, and the check has never been received no matter how many times we call in, notarize documents, or request the check to be issued. This is a large amount of money -- over {$50000.00} -- and CapitalOne continues to tell me the check is in the mail, with it never arriving. However, other letters from them DO arrive -- so i believe they are simply not sending the check. 

I would like to resolve this and receive the amount asap.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. AMERICAN EXPRESS XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Rocket Mortgage for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate reporting on my credit report. Despite my efforts to resolve these issues directly with Rocket Mortgage, the errors remain uncorrected, causing significant harm to my credit score and financial reputation.

Details of the Complaint I received notice from the XXXX Credit Bureau that Rocket Mortgage modified the account balance owed in error. Below is the information currently reflected on my XXXX credit report, which I believe is also present on my reports with the other two major credit bureaus : Previous Balance : {$280000.00} Current Balance : {$280000.00} This information is absolutely incorrect. As of XX/XX/XXXX, my mortgage balance is {$280000.00}.

Additionally, Rocket Mortgage processed my payment late in XX/XX/XXXX and reported it as 30 days late due to the XXXX XXXX holiday. This late payment reporting is inaccurate and unjustified.

Violations under FCRA ( Fair Credit Reporting Act ) Incorrect Reporting of Account Balance Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : Rocket Mortgage reported an increase in the account balance instead of a decrease, causing my credit score to go down by 1 point.

Impact : This incorrect reporting negatively affects my credit score and financial reputation.

Late Payment Reporting Due to Holiday Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : Rocket Mortgage reported the XX/XX/XXXX payment as late due to the XXXX XXXX holiday, which is not a valid reason for late payment reporting.

Impact : This incorrect late payment reporting negatively affects my credit score and financial reputation. My husband had a XXXX  XXXX over the XXXX XXXX holiday and was XXXX XXXX XXXX for 2 weeks. Rocket Mortgage refused to do their due diligence in their credit investigation ( s ).

Impact on My Credit Score and Financial Reputation These errors have caused my credit score to decrease, leading to potential higher interest rates, loan denials, and difficulty obtaining new credit. The incorrect reporting of my account balance and the unjustified late payment have significantly harmed my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor retaliated after I filed a dispute with all three credit bureaus. On XX/XX/2018 an unauthorized 3rd party accessed by consumer report which which led to a denial based on key factors disclosed on my personal consumer file seen by ChexSystems, Inc. 

I pulled my credit files and discovered another derogatory error for 3rd parties to see updated by Creditor. I was unable to dispute matter. Items reported by XXXX affects my security clearance. My consumer reports has a security freeze and fraud alert. 

Adverse action taken by XXXX XXXX XXXX XXXX XXXX XXXX allege my consumer scoring was pulled by ChexSystems, Inc via email
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment for XX/XX/2020 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements, and I will went through XXXX and some medical challenges during this covid-19. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate use of my report
Product: Debt collection

Im the general executor and trustee of the XXXX XXXX XXXX XXXX estate/Trust I am taking the time to correct the record pursuant to 15 U.S. Code 1681 A & B Im requesting you send me the 1099-C
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and New York Laws Dear HAPPY MONEY, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as New York 's Identity Theft Prevention and Mitigation laws , specifically under New York General Business Law Section 380-s. 

It has unequivocally come to my attention that HAPPY MONEY has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, New York law under Section 380-s prohibits the unauthorized use of personal identifying information, emphasizing the protection of consumers from identity theft and fraudulent credit reporting. This law ensures that credit reporting agencies are required to remove any information resulting from identity theft, and to prevent any continued reporting of such information without the consumer 's explicit consent. 

I assert with unwavering certainty that I have not provided consent for HAPPY MONEY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and New York state laws. 

I demand, with the utmost certainty, that HAPPY MONEY immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New York General Business Law Section 380-s. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including New York identity theft laws . 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New York state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that HAPPY MONEY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate start date of account, inaccurate payment history, inaccurate payment dates, reports late payment on closed account, inaccurate or unverified dates of first and last payment made.
Product: Debt collection

This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 

I made previous attempts to fix these issues directly with them and they are violating my rights. I'm entitled to {$1000.00} for every violation I listed, They either pay me or delete these accounts ASAP
Product: Payday loan, title loan, or personal loan

Ive contacted the company to pay the remainder balance and was told I could not. I paid this furniture off, but now Im being charged interest.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>