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

I re-applied for mortgage assistance applications for all three loans ( Loan XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXXXXXX XXXX ( XXXX ) on XX/XX/XXXX. Nevertheless, during the process of application review, XXXX reported to credit bureaus that the payments were late on XXXX, XXXX and XX/XX/XXXX for all XXXX loans. I would like to have XXXX to provide the chronological dates of the mortgage assistance application in XX/XX/XXXX, the decision date of mortgage application outcome, the credit reporting date and the payment made on the account by me as the mortgage account holder, and the statement of credit reporting during the process of mortgage assistance application. 

I applied for mortgage assistance applications for XXXX loans ( Loan XXXX XXXXXXXX and XXXX ) with Loan Depot LLC on XX/XX/XXXX. The mortgage forbearance was approved for both loans and followed by loan modification. Nevertheless, during the review process, Loan Depot LLC reported to credit bureaus for the late payment on both accounts on XXXX, XXXX and XX/XX/XXXX. I would like to have Loan Depot LLC to provide the chronological dates of mortgage assistance application date, the decision date of mortgage application outcome, the credit reporting dates for both accounts, and the statement of credit reporting during the process of mortgage assistance application. 

I was approved for loan modification ( loan XXXX XXXXXXXX ) with XXXXXXXX XXXX in XX/XX/XXXX and the due date of the payment for the modified loan is not due till XX/XX/XXXX. Nevertheless, XXXXXXXX XXXX reported the late payment in XXXX for XX/XX/XXXX. I would like to have XXXXXXXX XXXX to provide the chronological dates of loan modification approval, document signing from both parties, the due date of the first payment on modified loan, and the statement of credit reporting during the process of loan modification.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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

Hello. My account has been closed 9 years ago with TJ MAXX. I do NOT owe them XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite my multiple attempts to contact them and fix the problem, I called the credit bureaus, XXXX  and yet this company wont REMOVE my account off their file. They are using it for whatever purpose they deem to use it. By law, they must remove my account long ago but I received a letter after filing a complaint with XXXX  that they do not report my account to any credit bureaus. That was NOT the solution I wanted. I even told their senior Client Affairs Specialist XXXX XXXX that my account must be removed, taken off their system completely but on tne phone he clearly told me that they have no intention of deleting my information off their system. He told me not to worry because they wont be reporting to credit bureaus but told me the company intended to keep my file, my personal information in their system. I was upset but he just hang up on me. 


Please help. I am helpless at this point. It feels like he is violating my rights and was blatant in disrespecting me my telling it into my fave that I cant do anything about it and that he can do whatever he wants with my information and I cant do anything about it Thank you
Product: Debt collection

As of XX/XX/2016 I paid in full my debt with XXXX cable. A collection agency by the name of Enhanced Recovery Company is reporting to my credit reports that I still owe XXXX as of XXXX/XXXX/16. I have contacted XXXX several times and they have sent request to the company to remove this false information but even when I disputed this false debt the company reported that I still owe XXXXtheccompany reported to the credit bureau that it 's still a current debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

My Address Is completely missing from my report, therefore I can not access my credit file
Product: Debt collection

Portfolio recovery associates are attending to collect an alleged date on a consumer that resides in a state that They do not have the licensing to do so. I being a XXXX resident Reside outside of the jurisdiction of portfolio recovery associates. In an attempt to collect this alleged debt they have chosen to furnish this information onto my consumer report relating to this debt. Even the reporting of this alleged dead has several and accuracies collection account is reporting as past due, which does not make any sense if they have purchased the rights legally to this debt it would have already have been past due at the moment of their purchase, so why would it be reported as past due? This is a closed collection account correct? This alleged debt is a collection how Would a collection account have a one month term as far repayment if the account was purchased after it had already been closed. I am requesting that this information be removed from my consumer report effective immediately as this collection company does not even have the right to attempt to collect a debt from me, I have never conducted any business with this company, including agreeing to an alleged debt collection nor have I ever given them permission to furnish, any information on my behalf This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a critical issue regarding false information on my credit report, which I believe stems from a data breaches involving several organizations and several others, including Department of Social Services in South Carolina, XXXX which called it an Account Takeover, XXXX XXXX and XXXX and XXXX  and XXXX. This erroneous information has severely impacted my credit score, which has plummeted from an excellent XXXX to a level that is now detrimental to my financial well-being. 

As you may understand, the integrity of my credit report is paramount to my ability to secure loans, obtain favorable interest rates, and maintain a healthy financial life. The inaccuracies attributed to the companies above have not only damaged my credit score but have also caused significant emotional and financial distress. I urge you to recognize the severity of this situation and take immediate action.

I respectfully request that you conduct a thorough investigation into these discrepancies and remove all false information from my credit report within the next XXXX  days. Failure to do so will leave me with no choice but to explore legal remedies to rectify this injustice. I believe that both you and I would prefer to resolve this matter amicably rather than escalate it further. 

Please confirm receipt of this letter and provide me with an update on the actions taken in response to my request. I am hopeful for a swift resolution and appreciate your attention to this urgent matter. 

Thank you for your prompt action. 

Sincerely, XXXX XXXX -- - **Final Review Notes** - The letter clearly outlines the issue of false information on the credit report due to a data breach. 
- It includes a specific timeframe for action ( XXXX  days ) and expresses the potential for legal action if the issue is not resolved. 
- The tone remains professional yet persuasive, emphasizing urgency and seriousness. 
- Personal details such as name, address, and contact information should be filled in as needed before sending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are several fraudulent accounts that continue to report on my credit file. I have requested validation as well as verification from XXXX and they refuse to provide. I have attached my identity theft report to this file as well to remedy these inaccuracies as they are Also, XXXX and the data furnishers have violated my rights per the following, 15USC 1681 Section 602, 15 USC 1681 Section 604 and 15 USC 1666B.
Product: Vehicle loan or lease

I am a consumer! I am a working consumer! My husband and I were desperate to obtain a loan for a car in XX/XX/XXXX... we really needed a car. XXXX XXXX XXXX had all the paperwork ready when we arrived at the dealership and failed to tell us that we were signing for a daily simple interest loan. Santander has picked up the loan and I 've explained to them several times that this loan is a UDAAP issue. It 's unfair, deceptive, and abusive to us. We have paid 43 payments on this loan of {$390.00}. Do n't need XXXX to figure out the total we have already paid for a XX/XX/XXXX that now has 92K miles on it. {$17000.00}!!!!!!!!!!! This is the total of the payments we have made since the beginning of the loan and when we signed the documents, we owed $ XXXX. The car was 4 years old when we purchased it! My husband hurt his XXXX and was off work for over a year and a half. I 'm a wife and mother of XXXX children ... .with REAL life issues. These people ( Santander included ) have ROBBED us. They are telling us we still owe $ XXXX on this vehicle! I 'm disgusted ... .I ca n't hardly sleep at night ... .this type of behavior ought to be OUTLAWED and FORBIDDEN! Santander has been paid over the VALUE of the car ... ... OVER the amount financed ... ..OVER-OVER-OVER!!!!! I 'm ready to take this to the media. We work hard and we are being punished for life circumstances ... .getting a little behind on payments ... .the company has taken advantage of the weaknesses of the PEOPLE!!!!!!!! PLEASE HELP!!!!!! I wo n't let this sleep ... .I will write daily ... .just like the interest they are charging me between payments ... until someone listens!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX. 
Creditor Name : XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CHILDREN HAVE A CREDIT REPORT, THIS IS FRAUD AN EQUIFAX DOESNT SOLVE THE PROBLEM
Product: Credit reporting, credit repair services, or other personal consumer reports

Referring to Section 623 of the Fair Credit Reporting Act and contacts the data furnisher to prove that a debt belongs to the company. Also, what method did they use to verify the account. The credit bureaus have denied me the right to dispute this, I want to see how they verified this account. I wholeheartedly deny these accounts as mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Debt sold to 3rd party IT Data International the account has been disputed and resulted in the following resolution : The account information disputed by consumer ( meets requirements of the Fair Credit Reporting Act ) The information needs to be removed and accurate amongst all 3 credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we received a response from XXXX XXXXXXXX XXXX ( " XXXX '' ) concerning the length of time the company reported a negative item on our credit reports. I have attached a copy of the company 's response. We submitted a complaint to your agency on XX/XX/XXXX and XXXX responded that this is a duplicate inquiry. However, this is a new complaint. XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/XXXX. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. We are now past the 7 year period and BoA continues to report the negative item on our credit reports. When we filed our initial complaint in XX/XX/XXXX, the 7 years had not fully lapsed. We are now over the 7 year mark and the negative item remains on our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with. XXXX XXXX  a bankruptcy they deleted it so I disputed with XXXX  that they verify with them an thats how XXXX  have it I show them the proof an they sayin that they dont used XXXX  an XXXX  as proved but they did used them to add for my report doesnt make sense they dont want to deleted something that is been deleted it from who they used to verify that is XXXX  an XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to Correct inaccurate reporting on my Credit report. I am trying to get my life together and start a new career the beginning of the year so please help me out by deleting the inaccuracies. This is hindering me from Employment as well as other options. Thank you Here is the account that is inaccurate and need to be deleted from my report Immediately. 

XXXX XXXX Account # : XXXX Past Due : XXXX Shows XXXX XXXX Shows XXXX Equifax Shows XXXX. ( There should be no past due on a collection ) Date of last Active : XXXX Shows XX/XX/XXXX XXXX   shows XX/XX/XXXX Equifax Shows XX/XX/XXXX. 
Delete immediately for Inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX  XXXX  XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXXXXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Product: Debt collection

Contacted XXXX XXXX, XXXX  XXXX  on XX/XX/XXXX, they stated I owed {$190.00}, I paid it on XX/XX/XXXX. The representative said that she waived the {$23.00} fee and cancelled the account. There is a collection on my credit report for {$260.00} from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Ally Financial is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Ally Financial, the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Ally Financial Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services. 

I am exercising my right to opt out of the reporting of the Ally Financial account # XXXX.
Product: Debt collection

This company is violating my rights they have not provided validation information under 12 CFR 1006.34i ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 
I have reached out to this company directly to get more information. They are violating my rights and i'm entitled to XXXX XXXX  for every violation.