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

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

There are several hard inquiries on my TransUnion credit report that I do not recognize, and have previously disputed with TransUnion to no avail. These include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). Specifically, one of the inquiring companies Credit Plus provided me a letter that stated they authorized the removal of the inquiry due to its fraudulent nature. This letter was sent to TransUnion on XX/XX/XXXX, but XXXX months later, TransUnion still has yet to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled Bankruptcy onXX/XX/XXXX, because I had no other option. I was XXXX XXXX from the XXXX XX/XX/XXXX. I am XXXX  % XXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also Experian is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. Experian is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXX  XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession,  Pay Payment StatusRepossession
Product: Credit reporting or other personal consumer reports

I have a bunch of hard inquiries on my credit report, I want these removed as I did not authorize these companies to pull my reports. I have already filed a complaint with the FTC as well.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau, I hope your day has been great, and I'm happy there will be some justice with this matter after you get a hold of it. 

Unauthorized Hard Inquiries Credit Technology - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

On XXXX i had XXXX hard inquires on my XXXX Credit Report. I have tried to contact all XXXX companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.
Product: Debt collection

The collections account on XXXX XXXX kept calling my elderly parents stressing them out trying to get ahold of me. I never authorized this company to call my parents or my work. They have my phone number and my address. No need to harass my parents.
Product: Credit card or prepaid card

I have a  Mastercard Account issued by Comenity Bank. This Comenity Bank Mastercard  is co-branded with  Gander Mountain and routinely advertises promotional financing for purchases at Gander Mountain stores. Recently Gander Mountain and Comenity have been advertising a promotion where purchases over {$990.00} would have deferred interest for 12 months, and be interest free if paid in full before the 12 month period expired. This promotional financing rate was prominently advertised by Comenity Bank on my Comenity Bank statements, as well as online and in-store by Gander Mountain I made a major purchase at Gander Mountain on    XXXX / XXXX /  XXXX   for {$1800.00}. I made written contact with Comenity Bank on  XXXX / XXXX /  XXXX   after receiving a statement where the promotional financing rate was not applied to this purchase.  Comenity replied that there were investigating the dispute and would not charge me interest in the meantime. I contact Comenity ag ain on  XXXX / XXXX /  XXXX   and received the same response - they were investigating.   As of  XXXX / XXXX /  XXXX   I still have not received any response on the status   of Comenity 's " investigation, '' however, Comenity has assessed me a finance charge of {$29.00} even though my outstanding balance consists solely of items purchased at this promotional financing rate.
I have had this same issue with Comenity with three prior purchases - where I made a purchase under a qualifying promotional purchase plan, but Comenity   still assessed interest. I have received excuses that this was a " mistake by the clerk who entered the purchase, '' or a " billing irregularity. '' Given the frequency this is happening and Comenity Bank 's slow response, I am concerned this may represent a purposefully deceptive business practice where they entice purchasers with advertised promotional financing rates they do not intend to honor. As I have been unable to resolve this issue with Comenity Bank themselves, I am hoping CFPB can assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical collection with a PAST DUE balance of {$260.00} has been reporting on my account for almost 2 years. Not only does this violate HIPPA but also a violation of the FCRA and XXXX XXXX compliance reporting standard. I've never agreed to a third party having access to my credit nor medical/personal information. I have sent countless disputes via mail and also reported through XXXX, XXXX and XXXX websites. I have yet to receive documents contracts with my signature agreeing to any of this.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal request for a detailed explanation of how your problem investigation was conducted and for you to provide me with your method of verification. According to consumer law, verification requires sufficient documentary evidence to prove the accuracy of the reported information. Neglecting to consult essential documents, such as account applications, constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as demonstrated in cases like XXXXXX/XX/XXXX ). Your response should include the following information at a minimum : What did your representatives uncover that led them to believe the item is reported correctly? What certified documents were reviewed to conclude your investigation? Provide a complete copy of all information transmitted to the data furnisher as part of the investigation. What was the cost to your company to obtain the documents needed to complete your investigation? Provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company reporting the information to confirm its accuracy? a. If yes : i. Who did you speak to? ii. On what date? iii. How long was the conversation? iv. What was their position? v. What telephone number did you call? vi. What is the name of the employee from your company who spoke to the above party? vii. What is the position of the employee from your company who spoke to the above party? viii. How long has that employee been employed by your company? ix. What formal training was provided to this employee to investigate items of this kind? x. Was there any email or written communication between members of your company and the above party? Provide copies of all correspondence and any conclusive documentation proving that you conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Provide the specific date when reporting these items will cease. Additionally, I respectfully request a notarized affidavit confirming that the information provided is true and correct, as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be acceptable. If you can not supply ALL of the above information in a timely manner as detailed by several laws, including but not limited to the Fair Credit Reporting Act, I demand the immediate and permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the requested deletion or the required documentation of your investigation, I will pursue the enforcement of my rights through federal court proceedings. As you are aware, this information will come out through the formal discovery process and necessary depositions. I am well-versed in consumer protection laws and civil/federal court procedures, and I will represent myself pro se, formally requesting a jury trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I sent XXXX XXXX  and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX  security breach or what have you but they were fraudulent both XXXX XXXX XXXX  did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the Discover card with the balance of around {$3000.00} that I never opened up. Before my attorney and I take XXXX  and Discover card to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this discover does not get removed because it was noted on the FTC report you removed everything else except for that one account just Discover pay you more money to rent space as a trade line XXXX? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves Discover card now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that XXXX  likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.
Product: Student loan

I am a recent graduate and my loan repayment will begin around this current time frame. I need to change my repayment plan as I have never even been able to login to access my information. I have attempted to login to my account on my loan service provider 's website countless times and have had no luck. I try to enter my SSN and Birthday to help create my account or find my UserID, but it always says " No records found ''. At the same time, I am getting emails from Aidvantage about my payment coming up. When I have called them, I just get the automated message and it did recognize the last 4 digits of my SSN and told me my first payment would be due on XXXX, but the thing is, I can't even log in to make the payments. Every other time that I've tried to call, the automated message says that they are forwarding me to a representative, and from there it just rings endlessly with absolutely zero updates about time estimates or how many people are ahead of you in the queue. I have waited for close to 2 hours on numerous occasions. Furthermore, there isn't even an email or Help Center contact information on their website that you can reach out to. This is completely unacceptable. They are playing with people 's lives.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Prepaid card

I lost my card I tried ordering a new card they said I could get a replacement for free I didnt allow me I then tried to purchase another card it again didnt allow me I ask the company why they told me all the can tell me was I can still send and receive money through cash app heres my problem why cant I also make purchases as well they have been so mean treating me bad I was so nice to them hopping they help me out but they dont give a care for there customers and I been with them for years now getting my paychecks sent to cash app
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian Information Solutions inc XXXXXXXX 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

This is regarding your response to complaint XXXX. Partners Financial stated that the file was closed and returned to the original creditor in XXXXXXXX and this was communicated to XXXX in XX/XX/XXXX. They stated that would follow up with XXXX and request removal of the tradeline as it should have been deleted in XXXX. Partners Fin submitted this response to me XXXX  and it is now XXXX, and this account is still reporting on my credit report. Once again, please remove this account from my credit report PARTNERS FIN XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I initiated a XXXX payment to a person/business under the name of XXXX XXXX XXXX email : XXXX through Regions Bank for a purchase of {$77.00} XXXX XXXX stopped all communication after receiving the money. I reached out to Regions to report the fraud. 
As I awaited Regions decision, I searched XXXX and found that the person ( s ) [ XXXX XXXX aka XXXX XXXX aka XXXX XXXXl aka XXXX XXXX aka XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX has been busy for at least XXXX years scamming people. 
I shared the above with Regions and the representative encouraged me to file a complaint and submit for a refund. They denied the refund request stating I authorized the payment. I did authorize the payment under the understanding that the person/company was legitimate. 
My niece did business with the person in the past with no issues so I was clueless to this scam. 
I saw an article recently where there are new requirements for banks to return the monies persons who were scammed through XXXX and like programs. 
Please assist.
Product: Credit reporting or other personal consumer reports

Discrepancy in Credit Report Information Across Reporting Agencies Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an issue I am experiencing with my credit reports. Specifically, certain inquiries have been successfully removed from one of my credit reports but are still appearing on the other two reports maintained by the major credit reporting agencies. They were removed from XXXX but still showing on Equifax and XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they provide. Section 611 of the FCRA ( 15 U.S.C. 1681i ) outlines a consumers right to dispute inaccuracies on their credit report, and Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information must ensure that all credit reporting agencies reflect consistent and accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit with XXXX for more that 4 years I never own anything to no body always payed on time But one da desaire to close my account and put me in the bad credit so Im really disappointed question They can make people reputations bad any time they wan to put those people in orden thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXXXX/XX/XXXXXXXX, CA XXXX Incorrect Name : - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. Per USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.