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

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION  COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of  the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX Account # XXXX Contact Information : XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT
Product: Debt collection

I got home last weekXXXX and saw a mail from a collection agency, I open up the mail and saw that I applied for a XXXX XXXX XXXX credit card which I did not apply for any XXXX XXXX XXXX credit card amounting XXXX, I call social security and let them know someone my identity and get a credit card, and I forwarded a mail to the collection agency, prestler felt and warshaw llp that I do not apply for no card, it wasn't me and moreover i don't have no XXXX XXXX in the state.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XXXX and paid for it with XXXX using Capital One Quicksilver visa card ending in XXXX. 
XXXX Item Id : XXXX, Transaction Id : XXXX. XXXX Transaction ID : XXXX The original listing claimed the item was open box/customer return and under manufacturer warranty. The item I received was tempered and the XXXX XXXX XXXX was swapped with a 750GB used hard drive inside the enclosure. I contacted Capital One and disputed the transaction. The seller XXXX updated item description and changed the item description to not working/no return. Capital One closed the dispute in seller 's favor based on the non-working description which was added after I made the purchase. 

The XXXX item after description was changed https : XXXX? XXXX & XXXX XXXX History for this item XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Item revision history clearly shows on XX/XX/XXXX after all 50 items were sold, seller modified item description and title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am very disappointed to see the seller dglet was able to get away with $ XXXX fraud ( 50 transactions at {$79.00} ~ {$89.00} per item ) and no action was taken by XXXX/XXXX/credit card company. From reviews I can find online the same seller has been involved in this type of fraud for years XXXX XXXX XXXX XXXX XXXX XXXX " This reseller bought to seagate a bunch of hard disks without warranty and he advertised as with warranty. I made the mistake to buy 1 as it is advertised " As good as new '' It came faulty, he refused to help, he asked me to call XXXX XXXX. I called and gave serial number, they confirmed that item was bought without guarantee from XXXX as a product faulty that may work, but not guaranteed. I have email from XXXX  that explained that this item has no warranty, but seller still insist that it has warranty with manufacturer and he refuses me to send it back and to pay the postage back. I feel cheated after call XXXX as they explained that this product I bought is the lowest category and they sell for little money to resellers so they can sell them for spare parts or fix them. I think this seller should go to jail as he is cheating people. I lost XXXX dollars, XXXX will not cover unless I pay international postage that can cost around 50 dollars. Seller knew he was selling faulty products, advertised that they had warranty. For me he is a criminal '' Attachments : XXXX order confirmation -> ORDER_ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One credit card statement -> XXXX XXXX Transaction confirmation -> 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 GM Financial account XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency a account without 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 or prepaid card

I received notification today that Synchrony Bank has lowered the credit line by XXXX dollars. I am not behind on the account and all payments have been received. I am due a 45 day notification.
Product: Mortgage

I requested an appraisal from Flagstar Bank, my mortgage company on my primary residence, in order to ( almost certainly ) eliminate the Private Mortgage Insurance of nearly {$200.00} per month from our mortgage. They indicated in a letter dated XXXX XXXX, 2015 that this would cost {$420.00} through their appraisal serviceXXXX. I sent the request and a check for {$420.00} back to Flagstar, which Flagstar cashed on XXXX XXXX, 2015. After no contact from them, or the appraiser for nearly 2 weeks, I called Flagstar only to be told that cost was now {$670.00} They tried to say that perhaps I had a rural property ( I do not XXXX Colorado ) and thus the reason for the inrease. They then tried to say that when I called XXXX PRIOR to their sending a letter saying it would cost {$420.00} ), that I should have been told it could be more. I told them it did n't matter ; they sent a letter with the price, I sent a check that they cashed, all within less than 3 weeks time of the letter 's date. This constitutes a contract in the state of Colorado. They have refused to do the appraisal at the {$420.00} price and said they would refund my check. I told them I do n't want the check ; since I HAVE to use their appraiser, they have me cornered. They have since refused to do the appraisal. Even if I agree to pay the extra amount ( which I will NOT ), they are only delaying the inevitable and I am out {$200.00} every month they delay as I continue to pay PMI in one of the HOTTEST housing markets in the country, XXXX, Colorado. I am 100 % certain that an appraisal at the time I sent the check would have resulted in a PMI reduction starting with our XXXX XXXX, 2015 mortgage payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX have all violated my privacy of student loan information, reporting it to public on credit reports without getting consent, giving it to XXXX parties. Also, there are false indications on my credit report from all XXXX, I have attahced Experian under the XXXX loan stating that I was making payments with that loan. I never made any payments. I am protected under The Family Educational Rights and Privacy Act Of 1974.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX. Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reaD. They never verify. I did send them letters they didnt respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Transunion XXXX XXXX credit union Case # XXXX & XXXX As a consumer my rights have been violated by Transunion & XXXX per The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Both credit bureaus are stating that XXXX XXXX XXXX IL furnished this information. However, I have a letter stating that " The United States Bankruptcy Court does not report to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. 

I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX showing # XXXX XXXX showing # XXXX TransUnion showing # XXXX * Disputed charge off balance error with all three bureaus XX/XX/XXXX * Disputed that the account was incorrectly being reported as a charge off with a balance due, XX/XX/XXXX I asked that I be mailed proof of the investigation and proof of the negative payment status, no documentation was received. 
* Disputed missed payments on XX/XX/XXXX. TransUnion showing no 30, 60, or 90 day missed payments. XXXX showing ( 1 ) 30 ( 1 ) 60 and ( 19 ) 90 day missed payments, while XXXX is showing ( 1 ) 30 ( 1 ) 60 and ( 3 ) 90 day missed payments. All three reports are inaccurately reporting false information how can XXXX XXXX XXXX  show no late payments and the others are showing several late payments? 
* On XX/XX/XXXX I asked for statements and records of all payments made and missed, I also asked for Validation with the creditors and any documentation associated. Nothing was sent to me by mail or email. 
* XX/XX/XXXX asked for a Status Verification Request. No results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance w FCRA : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has XXXXiolated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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.

604 - 15 U.S.C. 1681b Section A states consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed 15 Section U.S.C 1681 Section 604 A section 4 states : 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.

604 - 15 U.S.C. 1681b Section A states consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Enhanced Recovery Co L and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Product: Consumer Loan

I am leading a XXXX XXXX ... .. Unfortunately I had some issue and had to move and my financial situation caused my payments to be late .... I contacted the ... Nissan Motor Acceptance Corporation. ... there # is XXXX ... ..Spoke with XXXX of the gentleman that works her ... I do n't remember his name .... I explained my situation and told him I 'd be paying most of it if not all of it on the XXXX of this month when I get paid ... .. He refused me and tolde I need to pay by the XXXX .... I told him I ca n't do so till I get paid on the XXXX .... He did n't want to hear it ... Now I 'm trying to pay and he is denying me .... I told him I guess you will have to come take the car .... He said fine he will .... Now as far as I 'm concerned I 'm being way over charged on my payments to start out with .... I have a XXXX with absolutely nothing extra ... Very basic and I 'm paying XXXX or month ... .. If they are going to rip me off then they should have the decency to give me till the XXXX .... Please help me
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX XXXX XXXXXXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS 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

Through XXXX, I received a FCRA Disclosure from Transunion which contains significant, incorrect information causing my insurance rates to increase 15 %. There is likely other adverse results of this incorrect reporting that I have not discovered yet. I tried calling Transunion as indicated on the notice but they provide no help whatsoever. I did have a bankruptcy which was discharged in XX/XX/2020 and having worked in the XXXX XXXX industry for 30+ years I am more familiar with credit issues than most and take responsibility for my issues. 

Transunion is reporting to XXXX the following which is incorrect and resulting in higher rates : -Credit history is too short. This is impossible as I have had credit in some form or another for approximately 30 years and had a credit score of roughly XXXX going into my bankruptcy. I filed for BK for preventative reasons not for bad credit reasons. 
-Too many accounts that are 30+ days delinquent. Since my unsecured debts was discharged in the BK process, I have no past due accounts, period. 
-Excessive number of bank revolving accounts. I have one credit card, how this would be determined excessive is beyond my understanding. 

I am trying to responsibly restore my credit rating and it irritates me that Transunion is causing me financial harm by reporting incorrect information and I need some assistance.
Product: Credit reporting or other personal consumer reports

Despite my diligent efforts to address the ongoing issue of misleading information, I find myself in a deeply frustrating situation. I first submitted my information on XX/XX/XXXX, followed by additional attempts on XX/XX/XXXX, XX/XX/XXXX, and a final submission in XXXX, all in line with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). However, the persistent inaccuracies continue to plague my records, leaving me feeling helpless and anxious about my financial future. The emotional toll of this situation is overwhelming, as I strive for clarity and justice, yet remain ensnared in a web of misinformation. I urgently seek your assistance to rectify this matter, as I can no longer endure the distress caused by these inaccuracies. Please delete and block immediately.XX/XX/XXXX DATE OPEN XX/XX/XXXX XX/XX/XXXX DATE OPEN XX/XX/XXXX, XXXXXX/XX/XXXX DATE OPEN XX/XX/XXXX, XXXX XX/XX/XXXX DATE OPEN XX/XX/XXXX, XX/XX/XXXX DATE OPEN XX/XX/XXXX,XX/XX/XXXX DATE OPEN XX/XX/XXXX,XX/XX/XXXX DATE OPEN XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX DATE OPEN XX/XX/XXXX XXXX XXXX DATE OPEN XX/XX/XXXX
Product: Checking or savings account

In the middle of XXXX, my Social Security number was stolen, but I already reported to the three credit bureaus and Federal Trade Commission. On XX/XX/XXXX, I found that {$1000.00} had been withdrawn from my Chase Bank checking accountbut this is not done by me or anyone I know. I saw the withdrawal record on the Chase app. Someone pretended to be me and withdrew the money directly at the bank counter with the withdrawal slip.This withdrawal slip has my name, account number, and full Social Security number. I don't believe you can withdraw money just by using this information. So I immediately contacted Chase Bank fraud department, but both calls were hung up without being properly handled, and one of the representative was very unprofessional and irresponsible. She thought it was a check not a withdrawal, then she directly transfered to the checking department. However, they told me it happened in college point branch ( New York ). 

On XX/XX/XXXX, I went to this branch to inquire about this matter.The banker helped me close the stolen account, then opened a new one and told me the stolen money would be returned in 4-5 business days.Then I asked him, why was this stranger able to withdraw money using only my Social Security number? Doesn't the teller need to verify photo ID and signature? The banker only apologized, but did not give me a satisfactory answer. I said that I needed relevant materials to report to the police, but the banker did not give me what the police needed, only give me an irrelevant form. He said the theft of accounts happened so often that it was useless to call the police. And the amount of money stolen from me is so small that no one cares.In the end, he also didn't give me a satisfactory answer. Didn't tell me how my money could be taken so easily by strangers. We trust Chase bank, so we keep our money here, but what the bank did, they let us down.
Product: Credit reporting

On XX/XX/2015 I requested my free experian credit report. I found out that a strange company named XXXX ran my social security 3 times to lend money to someone under my name. The loan was denied 3 times which mean this person is trying several times to steal money under my name. The days they requested the loan are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the company by emailing them. the associate fraud analyst XXXX XXXX called me to express the company concerns and offered me to help me to filed a complain with you but she needed my info i said no thanks ill do it myself. My concern with this company is the following : what kind of identification the company request to the public to run someones social security to provide a credit? None? a fake one? fake identifications are noticed i guess? they can not just ran social securities from people which appear in their credit as denied for 2 years. thank god i have a terrible credit. 
Please contact this company to check on them if they are doing something illegal against population to obtain business. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXphone XXXXor directly with the fraud analyst XXXX XXXX