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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

As a federally protected consumer I have the right to privacy. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states ' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. ' XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isn't shared which 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 nonpublicpersonal information. ' 15 USC 1681 section 604 a section 2 states that " In general Subject to subjection ( 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, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX snd any furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A finacial 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. '' None of these credit agencies ever 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 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 Section 1681 s-2 ( 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. The code also 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, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR S 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting or other personal consumer reports

I was alerted by my credit card with XXXX XXXX that my credit score dropped XXXX points. When I checked to see why, I noticed that 6 different banks conducted credit checks on me, none of which I requested. They were all conducted on XX/XX/XXXX. I tried to contact Bank of America several times and was told by an automated recording that " due to extenuating circumstances we are unable to help you right now. '' I spoke to someone at XXXX  XXXX and they were unable to help me because I don't have an account with them ( that is part of the problem, why are they running a credit check on me if I don't have an account with them ). At that point I stopped trying to call banks because none of them would help me. I froze my credit on all three credit bureaus and asked for a fraud alert to be put on my account for a year. I need these fraudulent inquiries removed from my report so my credit score can go back up. I used to have excellent credit. 

To summarize, on XX/XX/XXXX, the following banks conducted unauthorized credit checks that were not requested by me : 1. " BK of America '' 2. " 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 '' They all have a removal date of XX/XX/XXXX. 

Lastly, my personal information was compromised in a data breach from my employer this past spring. Yesterday I received a letter from XXXX XXXX  ( a company with which I have a credit card ) stating that they declined an application from me because they are concerned that someone is using my information fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX the accounts below has violated my rights Account name : date : XX/XX/XXXX XXXX XXXX XXXX # XXXX {$490.00} Account name : date : XX/XX/XXXX XXXX  # XXXX {$11000.00} Account name : date : XX/XX/XXXX XXXX XXXX XXXX # XXXX {$0.00} XXXX date : XX/XX/XXXX # XXXX {$390.00} XXXX XXXX date : XX/XX/XXXX # XXXXXXXX XXXX XXXX XXXX date XX/XX/XXXX # XXXX {$570.00} ACCOUNT name : XXXX date : XX/XX/XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, CREDCO add a hard inquiry on my credit report per XXXX. 
OnXX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

MY PROCESS STARTED BACK ON XX/XX/XXXX WITH WELLS FARGO WITH A REPERSENTATIVE BY THE NAME OF XXXX XXXX EVERYTHING WAS GOING WELL UNTIL HE STOPPED RESPONDING TO MY CALLS AND EMAILS. I CALLED AND SPOKE TO A SUPERVISOR AND ASKED THEM IF I CAN HAVE A DIFFERENT REPERERSENTATIVE SINCE HE WAS NOT BEING RESPONSIVE TO ANY OF MY EMAILS WHICH I HAVE PROOF OF. THEY SWITCHED MY REP TO SOMONE BY THE NAME OF XXXX XXXX IN XXXX. XXXX AND I WOULD GO BACK IN FORTH VIA EMAIL MOSTLY HE WOULD REQUEST DOCS I WOULD SEND IT TO HIM. HE REQUESTED BANK STATEMENTS WHICH I HAD TO ORDER AND I ADVISED HIM OF THIS. I RECIEVED THE BANK STATEMENTS AND FAXED THEM OVER TO HIM. ON XX/XX/XXXX I EMAILED HIM ASKING HIM THE STATUS OF MY LOAN MODIFICATION HE EMAILED ME BACK ON XX/XX/XXXX WHICH WAS 4 DAYS LATER STATING THAT HE DID NOT RECIEVE THEM IN TIME AND IT WOULD NOT GO THRU. I EMAILED HIM BACK AND ADVISED HIM I FAXED IT OVER AND I CAN RESEND IT. IT IS NOW XX/XX/XXXX AND I HAVE NOT HEARD ANYTHING. I EMAILED THERE CEO XXXX XXXX ADVISING HIM OF THE ISSUE AND HE HAS NOT RESPONDED ( I AM SURE HE DOES NOT CARE!!! ) I ALSO EMAILED THERE HEAD OF CONSUMER LENDING OF THE ISSUE XXXX XXXX AND HE HAS NOT RESPONDED. I HAVE BEEN A WELLS FARGO CUSTOMER FOR YEARS AND RECENTLY HAD A XXXX I SENT ALL OF THE DOCTORS DOCUMENTS TO XXXX XXXX SHOWING THAT IT IS TRUE. I AM A XXXX YEAR OLD SENIOR CITIZEN THAT HAS NO PLACE TO GO IF I LOSE MY HOME. I CERTAINLY DO NOT WANT TO LOSE MY HOME OVER BANK STATMENTS EITHER. I NEED HELP!!!! PLEASE SOMEONE HELP ME I WANT TO KEEP MY HOME!!! MY CONTACT INFO IS XXXX
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all three credit reporting agencies Experian, XXXX, and XXXX about the inaccurate information on my report and explained to them that they are continuingly violating Title 15 US Code 1681 and 1692 by not removing those inaccurate items from my report and they continue to disregard my request with investigations that haven't been properly carried out! Because of this negligence they have caused me Damages and Hardships that I don't deserve causing me to go into poverty!
Product: Mortgage

On XX/XX/14 I asked XXXX XXXX if interest rates have lowered again to make a refinance worth it. 

Before answering any questions he ran my credit. I did not authorize him to run my credit report. 

XXXX XXXX Mortgage Broker, Insurance Broker NMLS : XXXX - XXXX : XXXX - XXXX : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out for assistance regarding an ongoing issue with [ XXXX XXXX XXXX I have disputed inaccurate information on my credit report multiple times, but my disputes continue to be denied without proper resolution. 

Despite providing supporting documents, the bureau continues to verify inaccurate information, and I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated. I am requesting your assistance in ensuring a fair review of my case. 

I have attached copies of my dispute letters, responses from the credit bureau, and any supporting documentation. Please advise on the next steps to resolve this matter. 

Thank you for your time and assistance. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not get through to Equifax over the phone. They offer no other options to reach them. Unusual and maddening. They seem to be using this crisis to try to sell products. I accidentally signed up for their free 30 day trial and there is no warning there that if you have been affected by the data breach you have a year of free monitoring. No chat, no email, no opportunity to leave a voicemail and get a call back, When I did just get through to their number 5 minutes ago, they said it would be a half hour wait and then very loud and annoying hold music came on. These people seem to feel they do not need to be accountable. I will try to go in and cancel the 30 day trial online in a few minutes. And executives should be duly prosecuted for insider trading. Enough!
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.

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 or other personal consumer reports

I have contacted XXXX XXXX on multiple attempts for the account XXXX XXXX XXXX to remove the charge off on my credit report. They have violated 15 USC 1611. It is now a charge off which is considered a certificate of indebtness on my credit report and income can't be reported on there. Not only that, I've never gave them permission to report transaction history to third party companies nor have they asked me for permission 15 USC 6802. They also have violated the following 15 USC 6801 - Protection of nonpublic personal information. In the terms & conditions of XXXX, it specifically says that my information will not be reported to third parties in which the 3 credit bureaus are a 3rd party. This blemish on my credit report has caused grief to feeding my family as I can't apply for business loans or credit cards at all. According 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods, they were supposed to provide me a form of opt methods but I have never received anything, via mail, verbally, or email. I have attached a letter that I've sent to XXXX in XXXX. I've sent the letter multiple times with no resolution despite citing 26 CFR 1.1232-1 - Bonds and other evidences of indebtedness ; scope of section
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy 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 the account is accurate, without providing any evidence of a ihorough 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.
Product: Credit card

I received a response from account of Amazon Chase and was told that they would recommend reactivating my credit card once it was in good standing. The account is now paid up to date and has yet to be reinstated. I received a letter from XXXX XXXX who stated that the company would be happy to reinstate my card. It has been a month and I have called XXXX XXXX several times and she is always on the phone and wo n't speak with me. I believe that I have been lied to and would like a apology and my account reinstated. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Ally to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from Ally stating they were making a negative entry to my credit report. I called Ally and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about Ally correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from Ally Corporate relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking Ally to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND 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 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, XXXX XXXX, XXXX XXXX, XXXX AND 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, credit repair services, or other personal consumer reports

The account XXXX XXXX account number ending in XXXX was reinstatedon my Equifax credit profile on XX/XX/XXXX and has caused my credit score to drop XXXX points ( see picture below ). I disputed this account on XX/XX/XXXX and XXXX XXXX has not removed the account. The Equifax dispute confirmation number for XX/XX/XXXX is XXXX. 

I submitted a new dispute XX/XX/XXXX and that dispute number is XXXX XXXX XXXX account number ending in XXXX was first disputed XX/XX/XXXX and XXXX removed/deleted the account due tothe informationbeing inaccurate, incomplete and could not be verified. The updated XX/XX/XXXX Equifax credit report showed that the XXXX account number ending in XXXX was removed/deleted. 

Also I never receiveda mailed notice of reinsertion from Equifax within 5 business days of their reinsertion, as the day of the reinsertion was XX/XX/XXXX. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ).

Please have Equifax abide by the CRA laws above and remove/delete the XXXX XXXX account number ending in XXXX.
Product: Debt collection

I received a notice from Linebarger Goggan Blair & Sampson , LLP attempting to collect a debt for a expresstoll on XXXX in XXXX, CO. They listed a license plate that does not belong to me ( I've not been to XXXX in several years, and haven't lived there in more than a decade ). I called them and demonstrated that I live in North Carolina and not Colorado and the plate ( a Colorado plate ) could not belong to me. They continued to attempt debt collection. 

I then called XXXX. The representative stated that the picture of the plate was indecipherable.
Product: Credit reporting or other personal consumer reports

To management name as XXXX XXXX On XX/XX/year> your office received my request for Elan financial services to provide proof that I have given authorization of an inquiry from your company on 1.Elan financial services XXXX XXXX You have not responded to my request and you are in Default. 
Immediately removed any derogatory reporting to the credit reporting agencies because you are causing defamation of my character and I will be forced to take legal action against you and Elan financial services.