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

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Product: Credit reporting or other personal consumer reports

Well according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states it 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. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared and that 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 those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and TransUnion, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' the credit companys Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : 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. 15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
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Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the 4th Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being.

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights.

Furthermore, I suspect a violation of my 4th Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the 4th Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information.

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a debt validation letter on XX/XX/2021 to Conrad Credit Corporation located at XXXX XXXX XXXX XXXX # XXXX, XXXX TX XXXX and they received my request on XXXX.This company has failed to validate this debt by not responding at all. Please delete this information from my credit file and cease all collections activities immediately.
Product: Credit reporting or other personal consumer reports

I have inaccurate items reporting on my credit Report. I am a victim of a sham investigate from Experian I demand every unauthorized inaccurate items reporting on my credit Report be removed immediately.
Product: Credit card

XX/XX/XXXX - Balance transfer of {$10000.00} and {$4900.00} was approved in XXXX separate transaction at a promo APR of 1.99 %, transaction fee of {$500.00} and {$240.00} was applied to my credit card account. 

XX/XX/XXXX - XXXX statement was generated, {$180.00} in minimum payment was due. Due date XX/XX/XXXX. For the XXXX statement purchases were {$230.00}, Fees was {$740.00}, interest charged was {$20.00}. 

XXXX - In between these dates a total payment of {$1000.00} was made to the account. 

XX/XX/XXXX - I reached out to customer services team XXXX times, each time speaking with a supervisor team ( XXXX and XXXX XXXX to understand how the payment is applied to the account. Z was super helpful in providing information, she informed me, that any payment made before the statement close applies to the account from lowest apr first to highest apr next, any payment made after the statement closes, applies in the following manner, XXXX. Minimum payment due covers the interests, fees and the rest is applied to the lowest APR transaction in my case, it will be applied to balance transfer at a promotional APR of 1.99 % XXXX. Any payment above and over the minimum payment due, applies to the highest XXXX transactions first, and then lowest APR transactions. 

I was advised, that there is a portion of the balance transfer fee amounting to {$630.00} something that is still accruing 24.49 % XXXX ( XXXX XXXX ) and I should make a payment of {$170.00} ( Minimum payment due on XXXX Statement ) plus {$630.00} that is accruing interest at 24.49 % in order to cover all the purchases at XXXX XXXX. 

The second time, I reached out to XXXX ( Who by the way should not belong to the customer service department, because he was least interested in helping out! ), requesting information that the balance transfer fee amount of {$630.00} which is accruing at XXXX XXXX should have already been covered in the XXXX payment ( which I made of {$1000.00} in between XX/XX/XXXX and XXXX ), to which I was informed, the payment of {$1000.00} actually covered the minimum payment due, and the rest was applied to the principle, which is clearly opposite of the Highest XXXX to Lowest XXXX. When I asked for clarification, this person kept on saying the same thing, it is system that does the calculation, and not me and there is nothing he can do, not even provide me with an explanation on why my payment which I made after the statement closed, was not applied to highest XXXX transactions first. 


For more context kindly refer to the notes on my account, as I know for a fact that XXXX had written down everything in a nice and understandable way as confirmed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I disputed an account reported by XXXX  in the file you maintain under my Social Security number. 

I was informed that XXXX, XXXX XXXX XXXX, XXXX, and the XXXX XXXX XXXX was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I filed a police report ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint to the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly. You have my police report on file on the subject matter above. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom might concern, My name is " XXXX XXXX ". I have tried to report incorrect information in my account but it has no success so far. I noticed there are most of the addresses that are listed in my credit report are incorrect. 
XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX *** I demand removal of all these addresses as they are not belong to me and our businnes. These inaccurate information above is preventing me from improving credit. 
**** Please investigate these " auto loan " and " other loans " and delete all the disputed items withn 30-45 days in the regulation times as i will be validating all debts from these creditors and never stop enlarging my complaint until my request are done so. 
In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) '' Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. ". However, I have never received writing mailed or disclosure about any of these loans. The credit bureaus violated seriously FCRA laws which means all of these inaccurate loans have to be removed off my credit account " '' '' '' ****. 
***Auto Loans ***!!! XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX!!! XXXX XXXX XXXX/ Reported : XX/XX/XXXX ***Other loans**!!! OTHER LOANS *XXXX  XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX/ Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX *XXXX XXXX  Reported : XX/XX/XXXX *XXXX  XXXX Reported : XXXX XXXX, XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX/ Inquiry : XXXX XXXX, XXXX There are no information contact update by this creditor. This account would be intensionally put in my report for the credit bureaus personal-benefit. 
!!!!! DELETE IMMEDIATELY!!!!!! 
****Credit card!! 
XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX  XXXX/ Reported : XX/XX/XXXX *XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX!!! These credit card account are not BELONG to me. In all this account show that i late for all payments. However, i never never miss all my credit card payments. 
!!!!! DELETE IMMEDIATELY!!!!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent
Product: Credit card

Reported my husbands death to Fidelity. Their card partner is with US Bank. Fidelity support has been perfect. Met at Fidelity office in XXXX VA XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX that my card was denied. My cards had been cancelled because my late husband was the authorized person and I was just the authorized user. 
We are retired. My husband passed suddenly due to complications from XXXX XXXX XXXX. This widow was in shock. My husband was an accountant. We used and paid our credit card off every month. I was not made aware of the process or what to expect regarding my card. I can not log into the account. I called, submitted the Will showing I am executor, I am responsible for the bill and will pay it off! I need a YTD summary of the card for tax purposes. They told me to pull off the internet a small estate affidavit. I went back to the branch and followed these instructions. Told I would hear back within 48 hours NO communication. On XXXX I reached out via Social media and had a conversation with them via cell. An official complaint was filed and again, someone would call me back. Have not heard anything until Yesterday, XXXX I received a letter in the mail stating that I owed {$16000.00}. This is about {$2000.00} more than the call center rep said my balance was just two weeks prior. And my card was closed so how are there additional Charges? 
Note : the card is issued by XXXX, I believe its a division of XXXX Bank. 
As a grieving widow how can this happen to a premier XXXX Bank XXXX? 
I want to pay the bill~ without late fees and I want to see what I am paying off with an itemized current bill. I also need the YTD account summary of charges for tax purposes and I need to understand WHY this happened? 
Why NO-ONE has helped me or provided an explanation. I have spoken with XXXX people and more than half of them say, yes we know this is a problem WITHIN their organization! 
It did not need to get to this point!! 
XXXX XXXX
Product: Debt collection

My husband and I purchased and financed a car from this establishment had problems with them from a start but eventually moved away and continued making our payments ON TIME and never contacted them again. My husband unfortunately got into an accident and was car-less for 4 months. Was a total loss. We called AutoBank Financial a week before new years and a day or 2 before XXXX to ask if they got the paycheck from our insurance for pay off and we asked them if it cover the full amount and they said yes. On XX/XX/XXXX i found out AutoBank Closed our account under FALSE pretenses making both our credits go down significantly, saying that we still owe money towards that car and have not paid. We called them MANY times asking why they told us it was paid off when it wasnt and asked for receipts of what was paid and the remaining amount and they kept giving us the run around. Apparently no one in that place knows anything because we spoke to manager and customer service and no one knows how to answer our questions. Truly unprofessional.
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute a few errors on my TransUnion credit report that need to be fixed. The report shows an incorrect SSN ending in XXXX. My only valid ITIN is XXXX. Please update this to make sure my report is accurate. The report also includes incorrect names that do not belong to me. Furthermore, it lists two addresses '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, '' and " XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX '' which I have never lived at or been associated with. My correct address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and it should be the only address reflected on my report. 

I respectfully request that TransUnion update my report with only accurate and verified information. Please provide me with written confirmation once these corrections are made and send me an updated copy of my credit report. Additionally, I ask that you thoroughly review my report to ensure there are no other inaccuracies or potential signs of identity theft that could harm my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED, A MULTITUDE OF TIMES, TO CORRECT THE ISSUES, ON MY BACKGROUND REPORT, WITH CHECKR. THEY CONTINUE TO ACT AGAINST THE " Colorado Consumer Credit Reporting Act 12-14.3-105.3 which states that records of arrest, indictment, or conviction of a crime that, from the date of disposition, release, or parole, predate the report by more than seven years are not reportable. '' I HAVE REQUESTED TO HAVE THE XXXX  REMOVED, FROM MY BACKGROUND REPORT, WHICH HAVE REACHED THEIR STATUTE OF LIMITATIONS, IN COLORADO, FOR REPORTING. THE COMPANY, CHECKR, REFUSES TO REMOVE THE XXXX, FROM MY BACKGROUND REPORTS ( I HAVE APPLIED, WITH SEVERAL BUSINESSES ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My federally protected rights as a consumer has been violated by the reporting of late payments to the following accounts XXXX  XXXX : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX according to usc1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

I was never informed by mail or phone call about this and thus reporting a late payment on my credit report is unconstitutional and a violation of my rights.
Product: Student loan

I am requesting a School Misconduct Discharge Application because the school and its representatives made untruthful or misleading statements to me, in marketing materials, and other communications, including TV ads while trying to convince me to enroll at the school. I would like Navient to send me an application and information about School Misconduct Discharge because I would not have attended the school if the truth had been shared with me by the school representatives. 

There was a successful class action suit filed : " A class action lawsuit settlement has been reached with XXXX XXXXXXXX XXXX XXXXXXXX XXXX, a subsidiary of XXXX XXXX XXXX, over allegations that the Academy misrepresented its job placement rate. 

A group of angry XXXX XXXXXXXX XXXX students filed the class action lawsuit, claiming the school misrepresented its 98 percent job placement rate, exaggerated its prestige in the industry, and suggested that it had a selective qualifying process. 

This rate is a lie, the XXXX class action lawsuit states. The placement statistics include non-professional entry level jobs like prep cooks, XXXX XXXXXXXX {$12.00} an hour line cooks and XXXX XXXX. That culinary degree was not a pre-requisite or even relevant for many of the included jobs. 

If class members had known the truth, they say, they never would have paid the nearly {$46000.00} tuition at XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX offered to settle the class action lawsuit by offering {$40.00} XXXX to help fund rebates to students who attended XXXX from XXXX through XXXX. The XXXX settlement will reportedly pay each of the 8,500 students who attended during that time rebates of up to {$20000.00} each about half of the tuition they paid. Tuition prices are typically {$46000.00} for a 12-month program and an additional three months of on-the-job training. Also part of the XXXX class action lawsuit settlement is an agreement by XXXX XXXX XXXX, the parent company of XXXX, to eat {$1.00} XXXX in student debt. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to lack of response from the credit bureaus, per the Fair Credit Reporting Act, if the bureaus do not respond in 30 days the accounts must be deleted. During these times of pandemic, taking the appropriate action is important and consumer like me should not its now been over 90 days and I have waited long enough.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.