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

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit card or prepaid card

XXXX {$500.00} $ I did dispute from last year these charges theyre sprite transactions but the same merchant and they did not accept to refund me the amount And theyre from XXXX XXXX, because i cancel the service thats why and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have following issues : First, I applied for a Credit Card with XXXX on Friday, XX/XX/2018 and I was told that it was a soft check on my credit. I have a XXXX FICO score and I was told I was not approved because of too many Inquiries when I called XXXX XXXX  as to why I was denied. 

Secondly, I was not aware of many inquiries I had on my Report so when I checked my Experian Credit Report this morning I found that XXXX XXXX  had listed me as a Hard Inquire so I called them and told them this was supposed to be a soft check but they had said well XXXX told you the wrong information and they couldn't do anything to take that inquiry off. 

Thirdly, when I checked inquiries I also found that XXXX XXXX XXXX, XXXX online had brokered out to a couple other XXXX XXXX XXXX XXXX XXXX to add more inquires that I did not authorize and when I called them they said we cant do anything to take any of the inquiries off and when I called Experian they were no help in this regard because they state " You cant Dispute an Inquiry ''. 

In closing, I feel like there is no advocacy for the consumer other than this platform and I need help in resolving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( XXXX XXXX : XXXX SYNCHRONY BANK ) XXXX Balance : {$550.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} PXXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8700.00}
Product: Credit card

Credit card was issued with incorrect name, Citi refuses to correct. I received the new credit card in the mail. The name shown on the card is XXXX XXXX. This is not correct. My legal name is XXXX XXXX. I called the number on the card XXXX on XXXX XXXX, 2016. The first time the company disconnected the call. The second call had the same result-the company disconnected the call. On the third call I was able to talk to a person. The customer service rep stated they absolutely will not correct the name on account even though the wrong name makes the account invalid. ( They do have all my personal information and the did issue a card that was delivered to me via US mail )
Product: Money transfer, virtual currency, or money service

That was XX/XX/XXXX, there was a notice from my PayPal app saying " you can no longer use paypal '', and have a messege saying " After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy, especially the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or other products that present a risk to consumer safety. As a result, your account has been permanently limited, and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement Section, Restricted Activities, and actions we XXXX take. You must remove all references to PayPal from your website and or auction, including removing PayPal as payment option. The PayPal Logo and the PayPal Shopping Cart, Any bank or credit card information linked to your PayPal account can not be removed, nor can it be used to create a new account. You can still log in and see your account information, but you can't send or receive funds. If you have funds in a PayPal balance, we'll hold it for up to 180 days. These funds XXXX be used to satisfy any obligation policy, including potential liabilities to third parties and to PayPal for each violation of Acceptable Use Policy, including liquidate damage. After that period, we'll email you and with information on how to access any remaining funds. If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owned to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal service and are not permitted to open new additional PayPal accounts. '' I was shocked, they accusing me having XXXX XXXX XXXX XXXX XXXX, etc, wich is not true and without any evidence, and the permanently limit my account and hold my savings, but still wait for XXXX they given for my funds, but after 180 days they took my XXXX php, that was XXXX XXXX, please help me back my money,,
Product: Credit reporting or other personal consumer reports

Hey I am writing this complaint because I looked at my credit report and noticed several inquiries that were unauthorized and fraudulent on my credit report. These inquiries were not authorized or applied for by me and has tarnished my credit reputation because of it. TRANSUNION has not had written permission from me to furnish this information according to 15 USC 1681b - Permissible purpose of consumer report. We know that they have a grave responsibility to enforce accurate reporting, so they need to do. This is harming my credit and need to be rectified immediately! I have attached a FTC report along with my ID to verify my Idnetity. These are the inquiries : XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH XXXX AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Student loan

I had Federal Direct student loans with XXXX XXXX  XXXX. I have qualified for PSLF for 19 years. XXXX misled me on deference/forbearance/consolidation and lost many months I should have been eligible for qualifying payments. I have not heard from XXXX or XXXX XXXX about this legal situation. I now have all my Federal student loans with XXXX and updated my qualifying PSLF requirements. However, I believe that my student loan balance should be forgiven based on the new information discovered about XXXX business practices.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Grimm collections unlawfully trying to collect more then the original contract. it 's against law to inflate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX are fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. 

I have also provided opt-out notices from the model disclosures that I found on the CFPB website. 

If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me.

Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

THERE AR A LIST OF INQUIRIES ON MY REPORT THAT I DID NOT APPLY FOR, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I NEVER HAD OR GIVEN ANY CONSENT FOR THIS ACCOUNT XXXX NEVER HAD THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ARE REPORTING LATE PAYMENT THAT ARE INCORRECT
Product: Debt collection

They are reporting late payments in a account that is XXXX years old which is incorrect nobody attempted to collect a debt or contact me they just put on my credit report told me and threaten me after it was report they will do it until it's paid even though I was aware of the collection until after it was put on my credit I didn't give them permission The inquiry in question is XXXX card I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.Despite my efforts to resolve this directly with the reporting agency, it remains unresolved : I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I have pointed out and showed proof of this inaccurate information and there is nothing being done. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out that someone has had access to my personal information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This are the accounts that I marked as inaccurate ; 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Vehicle was deemed a total loss. Insurance have requested letter for payoff agreed amount. Refused to speak with insurance company on 3 way call with borrow to inquire anout letter. Hung up on us the borrow 3 times in one day after wait time to speak to the loss dept was an hour wait time. Would not provide names or mangement for escalations. Stated will not assist in the Gap indurance process. Was rude and nasty with us the borrower and insurance rep. Phone numbers listed on payment voucher is incorrect and also there website. We just want to pay the loan off amd they refuse to assist and will not speak to us. I have asked for management names they would not provide and only sent me to a voicemail.
Product: Vehicle loan or lease

I have contacted Ally with an AFFIDAVIT for the VALIDATION of DEBT for account # XXXX, and a valid contract between me and ALLY with my wet signature. After 56 days, Ally has failed to reasonably respond to the changes to the contract I have submitted with my presentments. As a remedy to this, I have made a demand for zero balance, demand for the grant of my title ( CLEAR and FREE ), demand for the reimbursement of the downpayment of {$1000.00}, demand reimbursement of code violations in the amount of 21,000 for those code violations, demand for the cost of postage for {$100.00} and demand for removal from all consumer reports. This company has not responded to my presentments and as of XX/XX/2022, I have waited for 56 days and therefore VOIDS their claims against me and their security interest in the XXXX XXXX. The mailings above were sent via return receipt which I have that are signed by this company. The XXXX, XXXX XXXX, has been contacted as well. 
Due to the non-response, I am now sending my INTENT TO SUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/XXXX UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX. PAID CLOSED CANCELLED. 

ALSO, XXXX XXXX XXXX NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XXXX. 

RE-INSERT XXXX XXXXXXXX XXXX NO.XXXX. PAID IN FULL VER LATE AND CLOSED. 

LASTLY, XXXX XXXX XXXX IN AN INVALID TRADE OF XXXX 
UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO XXXX. XXXX IS NAMMED IN BANKRUPTCY XXXX AND DISCHARGED XX/XX/. 

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.
Product: Vehicle loan or lease

I have contacted this Dealer several times in regards to rectifying their mistakes and damage caused for their negligence but have not received any formal response. 

I am excising right to rescind due to this companies negligence, deceptive practices & fraud. I was given financing from a financial institution but was still required to pay the company what was " considered '' a downpayment in the amount of {$1400.00}. Under the Truth In Lending Act 15 U.S.C. 1601, et seq. ( TILA ). [ XXXX ] TILA requires originating lenders in particular consumer credit transactions to provide certain disclosures about the loan terms and the rights available to the borrowers. If a lender fails to adhere to the TILA requirements, consumers are provided certain remedies, such as suing for damages or rescinding the loan entirely. [ XXXX ] Such information was not provided to me. I have subsequently exhausted all options at this point and would like assistance in getting my issue heard and resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unauthorized information appearing on my Equifax credit report. These accounts were added due to a data breach and are not authorized or representative of my financial history. I request immediate investigation and removal of the following accounts from my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), I assert the following rights and request specific actions to address this issue : Under 15 U.S.C. 1681i ( FCRA 611 ) : I request that the disputed information be investigated and verified as accurate. If the disputed accounts can not be verified, they must be deleted from my credit report.

Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ) : Equifax is obligated to ensure maximum possible accuracy in reporting my credit information. These accounts are inaccurate and result from identity theft or misreporting tied to the referenced data breach.

Under 15 U.S.C. 1681c-2 ( FCRA 605A ( b ) ) : I request that these fraudulent items be removed as they stem from a breach of my personal data.

Under 15 U.S.C. 1681g ( FCRA 609 ) : I request access to all documentation, records, and communications related to the inclusion of these accounts on my credit report.

Given the widespread data breaches that have affected financial institutions and compromised consumers ' sensitive information, I believe these accounts may have been fraudulently opened or erroneously reported. I demand that these accounts be thoroughly investigated in compliance with FCRA requirements and deleted from my credit report if found unverifiable or inaccurate.

Additionally, under the Federal Trade Commission Act ( 15 U.S.C. 45 ), it is illegal for businesses to engage in unfair or deceptive practices. Reporting inaccurate or fraudulent accounts on my credit report due to negligence in protecting consumer data constitutes a violation of this statute.

I have attached all relevant documents to support this dispute, including copies of my Equifax credit report highlighting the disputed accounts.

Please confirm receipt of this dispute and keep me informed about the progress of the investigation. If Equifax does not resolve this issue promptly, I reserve the right to pursue additional actions to ensure compliance with FCRA regulations.
Product: Credit reporting or other personal consumer reports

The loan from XXXX XXXX  is full paid off this information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

These uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX Balance : {$2100.00}