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

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$50000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3000.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 


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

I am contacting you to dispute unauthorized hard inquiries on my credit report. These errors violate 15 USC 1681c-2, and I expect them to be removed immediately.
Product: Debt collection

To the Consumer Financial Protection Bureau, I am writing to express my concerns and seek assistance regarding an issue with Equifax and a report from the Federal Trade Commission ( FTC ) involving a potentially fraudulent account under the name " XXXX XXXX XXXX XXXX XXXX. '' I have no knowledge or association with this company, and I have previously contacted Equifax to dispute this account 's legitimacy. 

Despite my efforts, Equifax has informed me that they have conducted a " full investigation '' into this matter. However, based on my understanding of federal regulations, particularly 15 U.S. Code 1681d - Disclosure of investigative consumer reports, their investigation process does not align with the standards described therein. I have repeatedly requested Equifax to provide concrete evidence or proof that links me to this account, yet they have failed to do so. 

This situation has left me with no choice but to consider legal action as a last resort. My experience with Equifax raises serious concerns about their business practices. I believe that their actions not only pose a threat to individual consumers like myself but also potentially jeopardize the integrity of the banking system. 

Therefore, I am reaching out to your bureau for assistance and intervention in this matter. I am seeking clarification on what specific steps Equifax took in their investigation to ascertain the account 's validity. Furthermore, I request your help in obtaining the necessary proof from Equifax that establishes my alleged connection to this account. 

This situation has caused me significant distress and inconvenience. I trust that the Consumer Financial Protection Bureau will take my concerns seriously and provide the necessary support to resolve this issue. 

Thank you for your attention to this matter. 

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

I have an opened case ID # XXXX at HSBC US NA as they have not properly reported my payment history to XXXX  since XX/XX/XXXX. The case is stil not resolved. Now we also see that they do not report properly to XXXX as they should. HSBC says it reports to XXXX, XXXX and XXXX. My latest credit report sent by XXXX on XX/XX/XXXX shows a fully blank payment matrix between XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious non-compliance issue concerning your failure to provide me with the initial and annual Consumer Personal Financial Privacy Policy Notices as required under the Gramm-Leach-Bliley Act ( GLBA ). 

The GLBA mandates that financial institutions, including CONSUMER REPORTING AGENCIES must hand deliver privacy notices to customers both initially and annually in writing. These notices are essential to inform consumers about how their non-public personal information ( NPI ) is collected, used, and protected.

As a consumer, I have never received any such privacy notices from your organization. This lack of compliance violates the GLBA privacy rule, which applies broadly to financial institutions that provide services to individuals engaged in financial activities. This category includes banks, debt collectors, CONSUMER REPORTING AGENCIES mortgage lenders, and similar entities. The confidentiality of NPI is paramount, and your failure to provide these notices undermines this principle. 

According to the GLBA, non-compliance carries significant penalties : Financial institutions can be fined up to {$100000.00} per violation.

Officers and directors can be fined up to {$10000.00} per violation.

Individuals can face imprisonment for up to five years for serious violations.

In light of this non-compliance, I demand the immediate removal of the account associated with XXXX XXXX XXXX from my consumer report. Failure to address this issue promptly will leave me with no option but to file a formal complaint with the Federal Trade Commission ( FTC ) and pursue the aforementioned penalties and damages. 

Please provide a written response confirming the removal of the account from my consumer report and detailing the measures TRANSUNION will take to comply with GLBA requirements. Your prompt attention to this matter is essential to avoid further legal actions.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from ( insert credit bureau name ) and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so.

After contacting the CRA I was meant with push-back even though I expressed the inquiries in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Per : 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. XXXX XXXX XXXX XXXX XXXX  : {$3700.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information.account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETEED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below.

I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Checking or savings account

A number of years ago, I opened a CITI account with credit cards, a savings account, and an XXXX account with over {$10000.00} invested in it. 

On approximately XX/XX/XXXX of XXXX, I closed my XXXX account ( ending in XXXX ) by calling CITI. The rep assured me it was no problem. He closed my savings account on my request. On the mobile app, it was taking a few weeks to update the account changes, but the app told me the XXXX account was closing. Finally on about XX/XX/XXXX the savings account was deleted as normal. 

Extremely unusually, on XX/XX/XXXX my XXXX account stopped showing in my mobile app with no warning. 

I called CITI on the same day ( XX/XX/XXXX ) and was told the savings account was linked in CITIs documents to the investment account, so I can no longer see my transactions, stock investments, or even worth on the app anymore. I was told, however, my investment acct was still active with them. At no point was I informed an investment account was linked to a savings account. Nor did I consent to this, as I opened each account separately. 

Most stock brokers have an obligation to report clear data to customers. Intentionally hiding someones financial brokerage information, while previously having it readily available, is unheard of in the industry. CITI gave no reason for suddenly hiding my access to my investment account, except my savings account was closed. This leads me to believe this may have been retaliation or an attempt to coerce customers to use unrelated CITI products. 

At no point in this process, including opening or closure, was I told any of this. On the phone, I was told my only option to regain access was to open additional CITI accounts, such as a checking, savings, or another type or investment account which could then be transferred by a team. My CITI account still shows my credit cards, but my brokerage account was wrongfully hidden on the basis of an unrelated account, which is not necessary to continue to provide this data. 

This incident is in direction violation of fiduciary duties owed by a bank to a client, as well as several specific laws.
Product: Credit reporting or other personal consumer reports

exeter finance had a car loan with em trying to get removal of late payments its been paid in full contacted the company said they couldnt do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

The Issue : On XX/XX/XXXX XXXX XXXX was granted a Judgement against me in XXXX. XXXX XXXX. Since then XXXX XXXX hasnt been reporting any information contained in said Judgment on my XXXX because pursuant to the Comprehensive Consumer Credit Reporting Act of 2017 115th Congress that says Equifax, XXXX and XXXX can no longer reflect/report filed Judgement information on my CBR. According Equifax On XX/XX/XXXX, XXXX XXXX reported derogatory information on the same loan. I believe this is a violation of the Fair Debt Collection Act and the Fair Credit Reporting Act. They cant file a Judgment that goes on my Public Record for 7 years then turn around and put the same info contained in the Judgment on my XXXX knowing the that the credit bureaus no longer show that information. 
Equifax should not allow XXXX XXXX to report the same information contained in the Judgment on my XXXX. Both XXXX and XXXX are not showing XXXX XXXX at all. I forwarded a copy of the Judgment to Equifax, Supervisor XXXX, XXXX and XXXX acknowledged that they were in receipt of the document, yet they refuse to delete the information
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ******* XXXX XXXX XXXX XXXX XXXX- 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.
Product: Debt collection

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX
Product: Mortgage

This mortgage was sold to XXXX, since 2008, we refinanced for lower rate being senior for {$50000.00}. they threaten foreclosure if we didn't sign the attached clause with a balloon mortgage with an outrageous maturity date. We returned it with the crossed out clause. All these years they have only applied {$23.00} towards principal. My husband is a XXXX XXXX and i'm XXXX ... We would like to refinance to payoff credit card. Please help us...
Product: Credit reporting 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 Re : Last XXXX digits of XXXX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report, I discovered unauthorized credit inquiries made by the following entities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX  XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from XXXX, XXXX, experian all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

Thank You,
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection accountS labeled XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX AND XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

You are currently showing balances over my credit limit on these accounts but the accounts are paid in full. Please update this asap as this incorrect information is preventing me from getting a mortgage. 

XXXX Credit Card - Balance of {$5000.00} - Acct # XXXX XXXX XXXX Credit Card - Balance of {$1400.00} - Acct # XXXX XXXX XXXX XXXX - Balance of {$4500.00} - Acct # XXXX XXXX XXXX - Balance of {$3100.00} - Acct # XXXX
Product: Debt collection

I do not know what the calls are about as they will not give me information about their call without requiring me to disclose personal information that I am unwilling to give. I receive XXXX5 calls a day from this company. I am on the " XXXX, but they just keep calling. When we ask who they are, they refuse to tell us. When we ask why they are calling, they require personal information to disclose why they are calling. So, they just call again two hours later. They secretary of our company spends hours each day dealing with this! Please make them stop these unscrupulous tactics. This has been going on for months! They call from Focus Receivables Management in XXXX, GA from the number XXXX.
Product: Debt collection

A few years back, I signed up with a dating service called " XXXX XXXX '' while living in Georgia. Per the contract, " XXXX XXXX '' falsely claimed to provide me a certain number of dating matches who met my specified criteria. They falsely claimed that their candidates were pre-screened to eliminate people who were married or had criminal records. They falsely claimed that matches between candidates were matched by trained psychologists and other licensed professionals.They failed to meet contractual agreements, yet charged me and refused to refund monies I paid for services they did not provide. I relocated and recently pulled my credit reports in which a collection agency, " Omega RMS LLC '' is falsely claiming that I owe three separate amounts to " XXXX ''. " Omega RMS LLC '' falsely reported to the XXXX credit bureaus that I owe {$1600.00}, {$2300.00}, and {$2700.00}. I sent a debt verification letter to " Omega RMS LLC '' dated XXXX XXXX 2016, sent certified mail with return receipt, with the request that " Omega RMS LLC '' notify the XXXX credit bureaus of the fact that I was disputing these false debts. I requested that " Omega RMS LLC '' validate the debt by sending me the following : Copy of any original contract with my visible signature and date, Proof that " Omega RMS LLC '' is the original creditor or servicer, Amount of the alleged debt, Name of the creditor to whom the original debt is owed, a copy/verification of any judgment, proof that " Omega RMS LLC '' is licensed to collect debts in my state, Proof that they have met and provided the contractual obligation ( s ), guarantee ( s ), promise ( s ), and or service ( s ) as stated in the original contract. On XXXX XXXX 2016, my letter was received and signed for at XXXX by a representative of " Omega RMS LLC '' named " XXXX XXXX ''. As of today, I have not received a debt validation reply from " Omega RMS LLC '', nor has my credit report been updated to reflect that these debts are being disputed. 

After doing my research, I see that " XXXX '' has been out of business for quite some time and " Omega RMS LLC '' is still attempting to collect on debt/debts that are not mine. Since " XXXX XXXX '' is out of business so now I am unsure of how to get my money back from them for dating service guarantees that were not met and for breech of contract. 

I am not sure how " Omega RMS LLC '' can falsely claim and falsely report that I owe any amount, let alone XXXX separate amounts for services that I never received. Furthermore, I 'm not sure how " Omega RMS LLC '' can attempt to collect any amount of money for a service that has been out of business for quite some time.
Product: Credit card

Have a XXXX  XXXX card on my credit when I never signed up for said card. Also credit pulls for capital one credit card twice when I opted out already and they keep trying to offer it to me