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

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Auto Finance Act : # XXXX ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have a 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 1681a ( 2 ) ( b ) Except as provided in this paragraph the term " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the person making reports ; Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the company regarding this late payment, and they have approved updating the account to " open/never late. '' The company has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I have already tried to resolve my problem with Bank of America thru the CFPB but BoA is just trying to brush it off. At this point I'm trying to protect future consumers who BoA doesn't seem to care about preventing. 

XXXX That is the complaint ID from my last attempt, which was not resolved and was pretty much told by BoA " The person won't answer their phone or email, so oh well '' even tho I provided them with documentation thru the CFPB.
Product: Debt collection

Erc Bought an old debt from XXXX that was past the statue of limitations to collect then reported that it was opened new on XXXX of 2016 this debt is over 7.5 years it was sold to erc which has not verified debt and they are reporting a new open date with different amount owned sent a certified letter to this collection account to verifie debt and it was sent back they will not verifiy the correct date or amount and keep reporting it to credit bureas as an open account
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX CO XXXX Date Opened : XX/XX/2020 Balance : {$12000.00} I believe it was reporting in error, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
Product: Debt collection

Midland Funding keeps contacting me by phone constantly and mail after being told not too clearly breaking credit collection laws. Also the balances the are collection are illegally inflated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving credit card at home I didnt apply for, I been calling all of the lender to cancel. but some of them not answering my calls
Product: Debt collection

Calls my sister Im law at XXXX ( XXXX XXXX XXXX and my brother at XXXX non stop and harassment with different phone numbers below and threat to send legal documents to her home for a debt I owe XXXX XXXX XXXX
Product: Credit card or prepaid card

When I signed up for Chase XXXX XXXX Credit Card I was promised a free night after first year anniversary at any hotel with no category or points limit what so ever. Yesterday XX/XX/2018 I received a letter which notifys me that the free reward night can be redeemed for the hotels with less than XXXX points value. 
In my opinion ChaseXX/XX/XXXX is using an illegal bait and switch marketing advertise to get their customers. 
Al I want is for them not to change the rules for their current costumers and grandfather the promotion for their actual customers who already have this card. I understand that the introductory offers are changing all the time but that not the case with what they are doing right now. They need to stick with what they promised at the time of the enrollment. 


XXXX XXXX
Product: Debt collection

This company has refused to acknowledge the deceptive practices used to get consumer in unconscionable contracts. Consumer has tried disputes, Validation, and even CFPB, all of which has not changed the fact that they continue to violate this consumer. The Tax is now being assessed. Copies of 1099 sent to both company and IRS. Now to litigation
Product: Credit reporting or other personal consumer reports

Statement Regarding Unauthorized Sharing of Transactional History To Whom It May Concern, I, XXXX XXXX, am issuing this statement to address the unauthorized sharing of my transactional history by XXXX XXXX . This egregious violation of my privacy rights has caused me significant concern and distress. I wish to highlight the numerous laws and regulations that have been violated as a result of this unauthorized sharing. 

First and foremost, XXXX XXXX XXXX actions are in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, which defines the term " consumer report '' as any communication of information by a consumer reporting agency that bears on a consumer 's creditworthiness. By sharing my transactional history without my permission, XXXX XXXX is effectively creating a consumer report without adhering to the strict regulations outlined in the FCRA.

Furthermore, XXXX XXXX XXXX actions violate the Gramm-Leach-Bliley Act ( GLBA ), particularly 15 U.S. Code 6801, which emphasizes the importance of protecting the privacy and security of customers ' nonpublic personal information. By sharing my transactional history without my consent, XXXX XXXX is failing to uphold its obligation to safeguard my confidential financial information. 

Additionally, XXXX XXXX XXXX unauthorized sharing of my transactional history may constitute a violation of state privacy laws, including [ insert relevant state privacy laws if applicable ], which further reinforces the severity of this breach of privacy.

Moreover, XXXX XXXX XXXX actions demonstrate a lack of
compliance with its own privacy policies and disclosures, as required under the GLBA and other relevant regulations. Failure to obtain explicit consent before sharing sensitive financial information is a clear violation of these policies and disclosures.

In conclusion, I demand that XXXX XXXX  immediately cease and desist from sharing my transactional history without my explicit consent. Furthermore, I expect full compliance with all applicable laws and regulations governing consumer privacy and data protection. 

Sincerely, XXXX XXXX ---
Product: Mortgage

Im having problems with them releasing funds that was from my insurance company. I have talked to numerous people and still not getting answers more details if someone call me I can explain it much better.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to Claim # XXXX This issue has not been resolved. I am still showing error marking on my XXXX Credit Report. Per XXXX they must update AND REMOVE wrong late, missed payment marking reported. 

I have been trying to correct this since XX/XX/2021 and still not corrected. I have called XXXX several times and nothing has been done. I emailed, called and sent letters and still the same. 

I am requesting that Innovate Loan Finance please remove late markings from XX/XX/2021 and XX/XX/2021 immediately.
Product: Credit card or prepaid card

I was in XXXX XXXX and used my CITIBANK credit card at a used clothing store ( like our goodwill store ). I can not find receipt. When i got bill CITIBANK charged me {$3500.00} for a purchase.I thought that they just didnt convert to dollars because in XXXX XXXX currency that amount is approx {$5.00} and is the most I would ever pay for some used clothing.This happened the end of XXXX and they are making me crazy. I have many times called, mailed, filled out their forms, and sent pictures of store which shows name on bldg. 
I have dates, etc They tell me they will get back with me. 
They call and demand payment. 
This is terrible and is affecting my health XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed several hard inquiries that I did not recognize.
Product: Credit reporting or other personal consumer reports

I contacted this company and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested XXXX of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : *Federal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2.
Product: Debt collection

Jefferson capital XXXX trying to collect for a sprint bill I have no knowledge of I have disputed it with XXXX and its still on my credit
Product: Credit card

I have cut and pasted my e mail to Macy 's which explains the basicissue. I received a XXXX line answer. The posting of this on my creditreport has made my score drop dramatically. I can not believe they do nothave a XXXX time forgiveness, especially when they are partly to blame. 

-- -- -- -- Original Message -- -- -- -- Subject : Response to my XXXX Posting from XXXXFrom : XXXX ; Date : Thu, XXXX XXXX, 2015 XXXX XXXXTo : XXXXXXXXResendingGood Morning, Many Thanks for your quick response to my XXXX posting. 

My account number isAs I explained in my XXXX posting on XXXX XXXX I opted for electronic statements as the hard copy statements never arrived on a regular basis despite my complaining. I was also unable to download pdf versions and your IT department promised to fix this but so far not. I was constantly paying my account by logging in and paying the balance as soon as I seen it, or paid it in store when shopping. On the same day I enrolled as I thought in automatic payment which would really solve all of these problems, however what I actually did was made a XXXX off payment. An honest error on my part and something I was only doing so my payments would always be prompt, ( not that they were n't before ). I has a balance in XXXX that ran over into XXXX because I NEVER RECEIVED A XXXX STATEMENT either in hard form or electronic. I did receive a XXXX statement and paid it immediately as I then realized that I must not be set up for automatic payment. Macy 's listed my account as delinquent and it has now reduced my credit score by XXXX points. It also listed and will stay there for 7 years if you do not correct it. 

All your representatives kept telling was that XXXX statement wen out and it was basically just tough. There manner although no impolite was stand offish and they just kept repeating the same thing over and over again. 
I have spoken to a number of friend who have told me that on the odd occasion that they had forgotten to pay they received a reminder phone call - I never received any call either, as I would have acted immediately. 

I am asking that you first off look at my account record over the last 10 years and you will see perfect payments on time and some times way before due date. Surely this has to count for something and allow this XXXX accidental transgression to be waived. I am small business owner and my credit score is paramount to me maintaining and running my business and this listing could have a devastating affect. I am originally from XXXX, and as such have a large numb r of XXXX on a regular basis. XXXX of the highlights of the trip is always a large shopping expedition to Macy 's at XXXX XXXX XXXX were they spend a lot of time and money and avail of visitor discount. I would hate to have to discontinue these visits as a result of this unfair action you have taken. 

I look forward to hearing from you in due course and hope that common sense will prevail in this instance. 

My contact phone number isMany ThanksRespectfully, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked XXXX, TransUnion, and XXXX to reinvestigate the following account. XXXX XXXX XXXX - Account # XXXX. However, they stated that everything was completed and accurate. How is that possible if the status of the account is reporting Account Charged Off/Never Late, with {$1700.00} written off and {$1800.00} past due is incorrect? In addition, reporting the account late monthly on a Charged Off Account. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 Section 602 A : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States a Consumer Reporting Agency can not furnish a without written instructions. 15 USC 1681c. ( a ) ( 5 ) Section : States no Consumer Reporting Agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) : States a person shall not furnish any information relating to consumer to any Consumer Reporting Agency if the person knows and/or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I contacted a representative of Key Bank about a mortgage. The very first thing I told her was that I had a lot of student loan debt and asked if the program would work for me. She said yes. I then told her that I had already had my credit run a few times and we needed to wait for my report to show the correct payments on my student loans. She said I can check XXXX and monitor it for the correct payments, then let her know so she could run my credit. I did this, then emailed her that XXXX did not show the correct payments yet and we should wait. She then said that she had already run my credit report. Not only did I not authorize this, but I explicitly stated I did not want to run it yet. Because of this, I have too many inquiries on my record and my score has dropped XXXX points in at least XXXX of the agencies. This is a measurable difference of over $ 100/month on my mortgage payment, a serious financial damage. This inquiry must be removed from my record.
Product: Mortgage

On XX/XX/2021 I used check number XXXX to pay 4 mortgages in the amount of {$10000.00} with Network Capital funding and on XX/XX/2021 I did the same payment method using check number XXXX in the amount of {$10000.00}. Network capital deposited both checks in their bank account and the check was paid by my bank and clear. But Network capital contacted me saying that they never received the checks, that I am owing mortgage for XXXX and XXXX XXXX. Though, i sent them evident of payment from XXXX XXXX and both check was deposited on Network capital account and clear, but they refused to listen. They threatened me with all kinds of phone calls and letters, despite they have the prove of payment in their bank account. 
At the same time I was refinancing of one of my property at XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX with XXXX to enable me take advantage of the low interest rates and my good XXXXredit score. At this time my credit score above XXXX and the XXXX XXXX gave me interest rate of 4.37 % ..See attached letter to commit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX. 
By the time XXXX XXXX was ready to fund, Network capital had reported late payment and ruined my credit rate to below XXXX and XXXX XXXX are unable to fund in that rather. All effort to contact Network capital to persuade them that the error is not on my part but from theirs was unfruitful. Though, they get their money on time, they cashed and refused to acknowledged that they did not record their accounting properly and in turn ruined my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity ThefXXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting

These inquiries I did n't authorize. I have attached two emails and text proving I did n't authorize the inquiries. 

The following information is part of your credit history and is provided to others. 

XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX R XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$370.00} ; XXXX  XXXX Balance : {$630.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX XXXXXXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXXXXXX XXXX  XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Please be advised I have submitted all my information and offer to the lender for review of a short sale. I have true hardship no money, no type of income and need to have the lender complete the review so I could avoid facing foreclosure. Borrower was in XXXX lastly working and has no income at this time and a cash offer of XXXX on the home. We kindly need assistance to have the home reviewed for the short sale. Full packet is with the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

Sec. 602 State... I have a right to privacy. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Bankruptcy Case Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX