23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my credit report and I noticed some account on my consumer report that should not be on there. I demand this account be deleted from my consumer report immediately.

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
. 
I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

SANTANDER CONSUMER USA did not disclose this information to me that is required by federal law. 
SANTANDER CONSUMER USA knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties.
Product: Debt collection

On XXXX XXXX, XXXX, a lady called my elderly mother and told me I was going to be served court papers within XXXX hours and to make sure I was home. This was a case of fraud against me. She gave her a number I could find out more information and I called this number. She told my mother that I had given them my mothers name, addres, and phone number. My mother was in a panic. When I called the guy told me he could dissolve this out of court if I paid monthly for XXXX months and put XXXX down today. However, they said the debt was for XXXX on a credit card from HSBC. XXXX problems with this : I have never given my mothers name phone number or address to anyone except my employer as the emergency contact. I have never had a bank account from HSBC nor a credit card from this bank and I have lived overseas in XXXX for the past XXXX years with XXXX accounts in United States for the past XXXX years. I havent even visited United States in the past XXXX years. While I am a US citizen I have lived exclusively in XXXX and XXXX for my job for the past XXXX years. I diligently check my credit report from the writer states often to make sure that theres nothing on it and at no time in the past XXXX years have I ever seen anything from HSBC bank or from any other bank to suggest that identity has been stolen or that any type a valid account has ever been defaulted on. The phone number they told me to call was XXXX. When I figured out it was a scam I threatened to report them to the authorities and he used very XXXX language and called my mother a very XXXX name.
Product: Debt collection

Yes Midland Credit management has on 6 occasions tried collecting on a credit card account that is past the state of Colorado 's status of Limitations - this debt XXXX XXXX XXXX XXXX XXXX the debt was 8 years ago and has fallen off my credit because of the statue of Limitations Midland credit is violating my consumer rights and breaking the law with their repeatedly abuse of the collection process. 

this account is 8 years old and has official fallen out of the statue of limitations They are violating The Statue of statue of limitations for federal & state FDCPA UCCC Midland Credit Management
Product: Debt collection

Received a letter that a judgment had been entered against me. Threatened further legal action. And threatened to garnish wagers, bank levy and liens.
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 XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit reports provided by TransUnion, XXXX, and XXXX. After reviewing the reports, I have identified inconsistencies that I believe warrant your attention and resolution. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan ( reported as Unsecured loan by XXXX ) Bureau Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( reported as XX/XX/XXXX by TransUnion ) Balance : {$0.00} No. of Months ( terms ) : XXXX ( reported as XXXX by XXXX ) High Credit : {$30000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current ( reported as Late 30 Days by XXXX ) Last Reported : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX ) Inaccuracies and Potential FCRA Violations : FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting Accurate Account Information : The " Date Opened '' is reported differently by TransUnion and XXXX, with a discrepancy of approximately one month. This inconsistency may be a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information about consumer accounts. 

FCRA Section 605 ( a ) ( 4 ) - Reporting Accurate Account Status : XXXX reports the account as " Late 30 Days, '' while TransUnion and XXXX indicate " Current '' and " Paid, '' respectively. This inconsistency may violate FCRA Section 605 ( a ) ( 4 ), which requires accurate reporting of the account 's payment status. 

FCRA Section 605 ( a ) ( 6 ) - Reporting Accurate Credit Limit : XXXX erroneously reports the " Account Type - Detail '' as " Unsecured loan, '' which affects the " Credit Limit '' field, showing " {$0.00}. '' This is inaccurate as the account is an " Auto Loan '' and does not have a credit limit. This may be a violation of FCRA Section 605 ( a ) ( 6 ), which mandates accurate reporting of credit limit information. 

I request that you conduct a thorough investigation into these discrepancies and promptly take corrective action to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

I am attaching copies of relevant supporting documents that validate my claims. I trust that TransUnion, XXXX, and XXXX will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,
Product: Credit reporting

XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, XXXX and Experian. Please assist with having this information remove from my credit file. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A. 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 reports containing any of the following items of information. Any other adverse items of information, other then records of conviction of crimes which antendates the reports by more then seven years 15 U.S.C 1686-2 ( A ) ( 1 ) A person shall not 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

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting 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. 
The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C S1028A
Product: Debt collection

I just bought my minor child a phone and this debt collector keeps calling her every single day since we got the phone. Its sickening that my minor child is being harassed by a collections agency when nothing belongs to her myself or my husband. We dont even know how they got this number since its brand new. The number that keeps calling my XXXX  child is XXXX. We owe no debt and Im trying to figure out how a collections agency got her number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so wrong on so many levels. I first reached out to Equifax about this stuff i found on my credit report on XX/XX/21. How many days is that 240 plus? And they keep saying verified on my report and the mail items says verified. When i asked them to how they verified it they haven't sent me any information at all. I reached out to the company that is attempting to collect the debt and they gave me totally different information. When i went back and told Equifax that the information is not accurate they still did nothing. They are knowingly and willingly posting inaccurate information on my reporting causing me stress and really hurting me from purchasing a home. They are directly violating my consumer rights by doing this. How am i supposed to get this information removed if Equifax just ignores me and gives me no proof of their investigation at all. Are they just saying verified and not actually investigating? If they investigated they know that the reports are WRONG. Please help.
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. 

XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$150.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$900.00} - Date Opened XX/XX/XXXX DEPT OF ED / XXXX # XXXX -Balance {$3500.00} - Date Opened XX/XX/XXXX DEPT OF ED / XXXX # XXXX -Balance {$6000.00} - Date Opened XX/XX/XXXX XXXX DEPARTMENT OF EDU # XXXX -Balance {$4800.00} - Date Opened XX/XX/XXXX US DEPARTMENT OF EDU # XXXX -Balance {$10000.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX -Balance {$1700.00} - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$50.00} - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX DPT EDXXXX # XXXX -Balance {$6000.00} - Date Opened XX/XX/XXXX DPT EDXXXX # XXXX -Balance {$3500.00} - Date Opened XX/XX/XXXX XXXX XXXX # XXXX -Balance {$840.00} - Date Opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following companies refuse to remove the following items off my report as they were opened due to fraud. I have requested removal and blocking time past but they refuse to remove even after I asked for contracts within the 15 day time span according to FTC law. 
Amounts : XXXX ; XXXX ; XXXX ; XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2019 I arranged to get a {$500.00} loan agreeing to pay off with two payments over four weeks .I got an email saying I owed {$150.00} which I thought I had paid it off before. I went to my bank account and theyve been taking payments out of my check for twice a month since XXXX which equaled to {$1900.00} paid back on a {$500.00} loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an email to Security Credit Services , LLC trying to settle a debt that I saw on my credit report for {$660.00}. On XX/XX/XXXX, I got a response from them saying that the debt was sold to another company. I then asked if the debt was sold, why it is still being reported to my credit. She then said that she requested that it be removed back in XX/XX/XXXX, and she will send another one and to give it 30 days for it to be removed from my credit. As of today, XX/XX/XXXX. It is being reported to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i reviewed my credit report, i noticed that some of the information is erroneous and inaccurate. 
The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agency must validate these items in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Failing to properly verify these items asked in the dispute without providing proof within the period allowed by law is in violation of my rights under FCRA! 
I sent Experian a letter asking for verification of accounts XX/XX/XXXX in which Experian replied with the accounts have been verified as accurate and closed the dispute. As a follow up i sent a letter in response to them, asking how they verified these accounts on XX/XX/XXXX. I received response via Experian website where i have an account to track my report and they verified these same accounts as accurate. These accounts on my credit report are statused INCLUDED IN BANKRUPTCY. I have pointed out to Experian that there is no Bankruptcy reported on my credit report in the letter i sent XX/XX/XXXX but i still received a verified response with no proof of verification. Section 15 USC 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. Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information, other than records by more than seven years. 
Experian has violated my rights under FAIR CREDIT REPORTING ACT on numerous occasions and the erroneous information has been injurious to my credit, by listing accounts that i have mentioned above and i demand these items are removed from my credit report immedietly! I am a ligatious consumer and fully intend to pursue ligation in this matter to enforce my rights under FCRA. 
Please see the attached correspondence that i sent to EXPERIAN as well as the CREDIT REPORT from XX/XX/XXXX ( the date of this complaint ) showing the highlighted accounts i included as well as the public records where there is no bankruptcy!
Product: Bank account or service

On XXXX I logged into my Bank of America credit card and saw a banner stating I was targeted for a {$300.00} bonus if I opened up a checking account with BoA and established {$4000.00} of qualifying direct deposit. I applied for this offer and my bank account was opened a couple days later. On XX/XX/2017 I transferred an opening deposit of {$25.00} to the BoA account. One XX/XX/2017 I saw a charge stating " ACCOUNT CLOSING TRANSACTION XXXX '' ( See attached document ) that wiped out my account. When I called to inquire about this charge I was told that my account was being closed as a " business decision '' and no actual reason could be stated. I was told I 'd receive my {$25.00} opening deposit back in the mail in a couple of days. Although the contract states either party can close the account for any reason, it is not justified for Bank Of America to have me go through the trouble of opening the account because of the bonus attached, and then shut it down for what appears to be no reason. To bait customers with the bonus, have them go through the effort of opening the account, and then shutting them down for no reason is not good business practice, and in some cases against the law. I would hope this situation can be remedied by BoA to make both parties happy.
Product: Credit reporting, credit repair services, or other personal consumer reports

please i had Fraud Alert on my credit Report and i received Alert email from XXXX XXXX change on transunion by bank of america someone applied for some Credit type and already contact bank of america and complaint and deactivate credit card to replace and change user and password and now i'm asking to remove Unauthorized hard inquiries from my report XXXX XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX due to Unauthorized and Fraud alert already on my report XXXX XXXX month ago and i already contact them
Product: Credit reporting or other personal consumer reports

Undermining to receive financial gain and profit in order to display accurate information theres so much more this entire situation has been ongoing on and off since at least 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am reporting these fraudulent information in my report. I have been trying to dispute this but I get no response or anything. They just keep spamming me with collection letters instead of answering my inquiry about the said information.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnionis reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

can not qualify for loan because information on my credit report is not accurate. The delinquencies have all been cleared up but my reports do not reflect any of this information.
Product: Mortgage

Flagstar Bank, I am unable to pay my mortgage electronically through normal course of online payment. I called the : ( XXXX ) XXXX and I am told they are having technical difficulties and they are unable to take my call. I am immediately cut off for further contact or provided with an alternative number for online payment. I am very concern that this will affect my credit rating of a late payment.
Product: Credit reporting or other personal consumer reports

The company DISCOVERXXXX has obtained my consumer report on XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to DISCOVERXXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.