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

In accordance with the fair credit Reporting XXXX XXXX XXXX violated my rights. 

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

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

15 USC 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 card

Credit card ending in XXXX was closed after being remaxed out after lump sum payment of {$2800.00} was paid out of income tax to pay off credit card XX/XX/XXXX. I XXXX XXXX had been dealing with fraud which drop credit score. Proof was provided to Chase regarding fraud case, police report was rejected by Chase bank and suggested closing the account XXXX after agreement of paying off card. Cash advance interest on card keeps going up even tho all cash was paid in 24hrs. Refunded transaction still added to account, not excluding stolen refunds for lost items. Also being charged extra change along with original purchases. When brought to the attention of XXXX for noticing several transactions. Overdraft checking account with large amounts ( XXXX ) on auto pay without my consent, knowing funds not available Overdraft protection off. Deposits be missing with explanation. Take recent transactions and view!! ( XXXX ) Chase has been stealing from me since I became a customer in XXXX, first {$10000.00} income tax check disappeared.Forced to closed credit card account to avoid interest still being added. Refuse to pay off after agreement broken after lump sum paid out. Action case the cut of other credit card agencies such as XXXX XXXX lowering credit limit to {$700.00} from {$1000.00} after several lump sum payments also, stop payments due to chase actions.
Product: Debt collection

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, there has been a mass vendetta of coercion, intimidation defamation and unlawful, willful, and negligent with intentional through updating, modifying and keeping " assumed consumer 's personal & private reports in question. '' These attacks are considered to be in violations of the FDCPA, FCRA The DODD-FRANK ACT & the CFPB. from Unknown Collectors violating consumer Rights and protections, to the Credit Report Bureaus are allowing the " Criminal Identity Theft, '' with impunity to maintain authority power over the masses " Under Color of Law. '' 15 U.S Code A3 15 U.S. CODE1681I [ 1.A ] - IF ANY ACCOUNT IS UNDER FEDERAL LAW THE ACCOUNT HAVE TO BE REMOVED WHILE UNDER INVESTIGATION. ALL PARTIES VIOLATED FEDERAL LAW! AND NONE OF THE VIOLATORS WERE TOLD TO REMOVE THEMSELVES FROM THE ACCOUNTS! There are derogatory violations going on and the according to 15 USC code 1681A4 the credit bureaus are violating individual privacy without consumers consent. XXXX and Experian are both digging up old addresses all erroneous irrelevant inaccurate information to tie collectors to the accounts that should have been deleted long ago they were reinserted in the early two men XXXX without notification or consent of the assumed customer or consumer with this they have also violated CFPB and 15 USC 1681 codes a proper validation and F BC PA laws of threatening and harassing the assumed consumer continue till this day also a violation update fair debt collectors protection act bay have under criminal identity theft allowed make allowed a consumer 2 do harassment violating fair debt collection practices act buy searching for information violating the consumers they assume consumers protections and privacies and taking XXXX points of credit off of the " assumed consumer 's official credit reports score which is a violation by harassment oppression involuntary servitude and impunity of oppression of a XXXX federally protected entity. I implore the CFPB to review the information that within these files and take action on my behalf. It hope that the CFPB will review this information downloaded here and find what I have found to be worthy of your intervention weakened and as a consumer, have too much time arguing to those of deaf ears of people in powerful positions to render relief to all yet select very few enhancing injury, and with the truth deny those who have done everything right, from the supposed " American Dream. ", only to be oppressed and treated badly under " Color of Law. '' It is as if they are wrong for having a Certificate of Birth. The next step from here will be to inform all parties of impending lawsuit in Federal Court to answer for their violations of CFPB, FCRA, FDCPA & 15 US CODE 1681 in order free others from what the world refuses to expose does not exist and restore " creditworthiness. '' thank you.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Continental Identity Monitoring Credit Protection XXXX Website : XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXXXXXX Connected with my Continental Credit FIT Card added this service and I do not remember ever adding it. However, I have attempted to cancel it numerous times. Today I spoke with agent maned XXXX and she stated she could not cancel over the phone and I needed to do it in-line. But we could not locate WHERE to do it online. 

Every time I apply for credit it demands I send proof of identity numerous paperwork Identifying such as drivers listens, social security card, proof of residence etc. very annoying and is preventing me from applying for credit. I believe this bordered on fraud and or spam as I did not order this and have no means to cancel it. 

Please tell me what I can do or if you can contact them to cancel this. 

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

Equifax and XXXX are refusing to delete information on my credit report that is clearly dismissed through the court I feel these companies have completely lost the reason they exist which is to CORRECTLY REPORT what they are told .... I feel these 2 companies are more focused on cronyism vs professionalism and I need clarification as to what exactly these companies are and should do as far as Transparency EQUIFAX : is a FRAUDULENT company that has ZERO INTEGRITY and refuse to provide the services to consumers that is deemed worthy XXXX  : is another company I have PAID MONTHLY for their services of which they have not provided BUYER BEWARE DO NOT SUBCRIBE TO XXXX FOR ANY OF THEIR SERVICES
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Request for Investigation and Removal of Incorrect Credit Reporting Information Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX, and I am reaching out to bring to your attention a matter concerning the inaccurate reporting of late payments on my credit report, despite a prior agreement for their removal by the credit card company. 

The specific issue pertains to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 2 ) : I have observed that the credit card company has failed to honor its commitment to remove a 30-day late payment and a 60-day late payment from my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), inaccurate or unverifiable information must be corrected or removed promptly. The credit card company 's non-compliance with the agreed-upon removal is a clear violation of this provision.

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 1 ) ( A ) : I have previously reached an agreement with the credit card company to have these late payments removed from my credit report, exercising my right under FCRA Section 611 ( a ) ( 1 ) ( A ) to dispute and correct inaccurate information. Despite the agreement, the late payments persist on my credit report, adversely impacting my creditworthiness. 

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure the prompt removal of the inaccurate late payments from my credit report. Enclosed with this letter, you will find documentation supporting the agreement for removal and any relevant correspondence with the credit card company. 

Your swift attention to this matter is crucial in rectifying the inaccurate credit reporting and alleviating the negative impact on my credit history. 

Thank you for your assistance and dedication to upholding fair credit reporting practices. 

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

I HAVE TWICE DISPUTED WITH TRANSUNION, XXXX AND XXXX ABOUT ERRONEOUS NEGATIVE ACCOUNTS ON MY CREDIT REPORTS. I ASKED THEM TO INVESTIGATE AND REMOVE THESE ACCOUNTS, BUT I HAVE NOT HEARD BACK FROM THE CREDIT BUREAUS AND IT HAS BEEN MORE THAN 60 DAYS. I STARTED BACK IN XX/XX/XXXX DISPUTING AND SENT OUT MORE DISPUTES IN XX/XX/XXXX AND XX/XX/XXXX WITH NO COMMUNICATION OR RESULTS FROM THEM.
Product: Debt collection

What is this complaint about? 
I am complaining about XXXX XXXX who is a collection agency who claims they are collecting on behalf of XXXX XXXX. 
I have sent a certified letter to them on XXXX17 and I have also made attempts calling them and disputing the amount over the phone however I have not received a response other than them sending me a copy of a loan agreement with some payments. 
I specifically in this certified letter asked them to provide me with credentials to prove to me they had the right and a legitimate contract to collect on a debt for XXXX XXXX showing the amount. I have not heard back from XXXX XXXX. 

I am asking that they stop reporting this negative information on my credit immediately and to send proper documentation that states they have a contract to collect on the behalf of XXXX XXXX. I would also like to see a contract to validate with XXXX XXXX the amount which they are stating I owe. 

Showing me a previous loan document does not validate the account nor does it mean I owe XXXX XXXX the money they are attempting to collect. 

They have not followed the FCRA laws in not responding to my request therefore I 'm asking for them to immediately remove the reporting which is reflecting negatively on my credit report.
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX.
Product: Debt collection

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX  XXXX XXXX Balance : {$180.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} DEPT OF EDUCATION/ XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I'm looking at my personal credit report and noticed fraudulent hard inquiries on it. I want to remove these fraudulent inquiries as soon as possible. 
XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. Some of these inquiries was pull multiple times and I did NOT approve for this to happen. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

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

Auto loan with XXXX XXXX Auto Loan Account number : XXXX Name : XXXX XXXX Old Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Current address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL, XXXX Old phone number : XXXX Current phone number : XXXX ( only this number is in use from XX/XX/XXXX ) To whom it may concern, This letter is to explain my situation regarding my car was reprocessed and my and my husbands credit scores are hitting the bottom low. 
I have been working very hard to have a good financial life and maintain high credit rank. I bought my car in XXXX, using XXXX XXXX auto loan. For the past 5 years, I had not ever paid late even once. I set up autopay with my XXXX XXXX XXXX. For some reasons, the autopay was stopped from XX/XX/XXXX, which I had no knowledge of. At the same time, XX/XX/XXXX, we sold our old home and moved to our new/current home in XXXX XXXX. I also changed my phone number due to business need. I kept 2 phones with me until XX/XX/XXXX, I called and ended service with number XXXX. 
I did not check the payments of the autopay thinking that everything was going well as it was supposed to be. Even with the hectic of moving and on top of that, we delivered our child on XX/XX/XXXX, I had never been late on my bill paying. All of my credit cards, utilities, and so forth are in good standing. On XX/XX/XXXX, I was furious when I found my car reprocessed. I had not receive any phone calls, emails, or letter about this matter prior to this event. 
In that same afternoon, I registered online account with XXXX and then paid off the car right away. The balance was only over {$2000.00}. I called XXXX XXXX on Monday, XXXX, around XXXX and talked to XXXX XXXX I asked why I did not have any mails or phone calls to inform me about the late payment. She told me that the bank mailed a letter to me in XXXX, and it was sent to XXXX XXXX, which is the house we sold back in XXXX. Apparently, they did not know where to send the letter, but know where to haul away my car. 
My credit score went to the bottom since. Even worse, my husbands credit score was also dragged down. He works for Department of Defense and his score was all time high in the 800s. Because of this, our family has been in deep stress.

I sent a letter to XXXX  Loan and about a month later, they said there is nothing they can do. 
This is my last resource. I am sincerely asking you to help correct our scores. I did my diligence of paying the balance right away when I knew that I was late. The late payments were not my intention nor within my knowledge. Please help me to believe in the system and that good people should not be punished. I am working so hard to maintain a healthy family physically and financially. I truly hope for your understanding and that you will help me to get out of this situation. Please let me know what you need and please do not hesitate to contact me anytime. 
My cell phone : XXXX. My email : XXXX. My address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX Thank you for your time and consideration. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact you and this merchant to remove this account from my report which they could not verify that it belongs to me. I sent this request for verification via certified mail without a response. Please remove this account immediately from my report. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$720.00} XXXX/XXXX/XXXX {$720.00} COLLECTION ACCOUNT attached is a copy of the attorney general complaint I have submitted. Remove the account immediately.
Product: Debt collection

On XX/XX/2022 I received a mailed document to an old address XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am being contacted about loans from Navient : Loan Number : XXXX Amount : {$8300.00} Loan Number : XXXX Amount : {$1400.00} Loan Number : XXXX Amount : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX should provide me a payment history for all loans listed and payment options. At this time I am only able to make a payment of {$25.00} for XXXX XXXX. 

Please do not contact me via mail instead contact me via email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed and verified, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX. I've never had an account with this company. The balance that is reporting on my credit report is not the correct balance that I have with the original creditor. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. I have attached a screenshot of my credit report where it was updated stating that it was verified yet no sufficient documentation has been sent to me. It has been well over 60 days. Please remove this from my credit report.
Product: Credit reporting

Equifax did their investigation and came back with updated informtion. Well i called the creditors which i will and they all came back and said they have no record on file, how did Equifax investigate without calling the creditors to see if this was my accounts. Also in 2013 i was a victimn of ID theft which Equifax could have done a better job at investigating the inaccurate information becasue its still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on fiel ) 2.XXXX spoke with XXXX Employee i.d # XXXX XXXX XXXX account # XXXX ( no record on file ) XXXX this is the same creditor so its being reported twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on file ) 4.XXXX Account # XXXX. I have enclosed a letter from them saying for you all to delate this off my credit file immediately.