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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX  XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I have contacted and made previous complaints with with CRA 's about XXXX XXXX reporting incorrect info with them. I have asked for who was spoken to and physical proof with name numbers etc. This information was not given to me only that they allegedly contacted them and verified everything was correct and accurate which it is not. All information across all CRA 's are different, which is putting me at risk for identity theft which goes against FCRA 15 USC 1681. this is also defaming my character by reporting false and inaccurate information. XXXX has reported that the account is closed but is still reporting information defaming my character.An account is supposed to be charged off after 120 days and closed. A charged off account is not to be reporting any amount due if it was charged off and wrote off and filed on that company 's taxes with a 1099 C form which legally is used to cancel out a debt of XXXXXXXX XXXX or more and the copy B is to be sent to the consumer. I would like this matter resolved in the said amount of time by law according to FCRA 15 USc 1681
Product: Debt collection

On XX/XX/2015 this debt for {$800.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

This item reported on my XXXX Credit report as a Charge Off. 
SYNCB/PPC ACCOUNT XXXX. XXXX IN THE AMOUNT OF {$440.00} this account ( s ) was a Charge Off, SYNCB/PPC Reported this as a Profit Loss to the IRS, and are still reporting it on my credit report that I still owe this amount, however SYNCB/PPC never supplied me with the 1099-A. and as of today my request to SYNCB/PPC has not been answered. I am Requesting that the CFPB request a copy of the 1099-A from SYNCB/PPC the Credit Report Reporting on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICHIGAN XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, I received an email notification from XXXX  XXXX XXXX, that they were reducing my credit line due to a new collection/debt account. I subsequently, received information from other bank accounts/credit accounts that my XXXX score had been reduced more than XXXX points. I was able to obtain the XXXX XXXX information, which is Credit Management ( CM ). I contacted them the same day, and learned that XXXX XXXX ( AE ), was utilizing them to collect a utility service account in XXXX, Texas, which was in arrears for 2 months for over {$700.00}. I informed CM that I have lived in XXXX XXXX XXXX, California, all my life and had never even been to XXXX, Texas. I had to provide the last four digits of my SS # to request that they open a fraud case ( I was provided a reference no. ) and a promise that they would investigate the issue. Lastly, CM provided AEs information. Consequently, I proceeded to report the issue. As a result, their agent, XXXX, provided the address of the utility service as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX, and asked for the last four of my SS # too verify my relationship to the account. During our conversation, confirmed the details I had received from CM about the issue, but XXXX  would not provide the account holders name. Their agent confirmed the debt amount and offered to investigate the issue. They provided a Case No. Both CM and XXXX  stated I should follow-up in two weeks, if I had not received a resolution. 
I had not received any information from either entity, by XX/XX/XXXX, so I reached out to both. I was told by CM that the debt had been paid in full. I asked why it was paid in full and by whom ( as it was not me ). I expressed my concern that it may still appear that I had been in arrears on the account, and simply paid it in full. So, now it would appear as a late account on my credit. As such, I requested documentation, that more simply stated the account was fraudulent and not associated with me in anyway. CM was not able to commit to my request but stated that I should receive a Withdrawn Letter. To date, I have not yet received such a letter. 
I also followed up with XXXX  to get additional information on how the debt/account was resolved. They were not able to provide any details, nor would they refer me to a supervisor/or manager for resolution. This was quite frustrating and upsetting. So, I tried reaching out to their corporate office, but was unable to find any information. I, however, was able to obtain information about filing a formal complaint with their Legal Department. 
As a side note, I am a retired Assistant Director for Customer Programs for the largest Municipal Utility in the USA XXXX XXXX XXXX Department of Water & Power. So, to be a victim of fraud for unpaid utility services is not only affecting my credit, but also just simply insulting.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ XXXX ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 


LATE PAYMENT : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my credit account in XXXX with the term that receiving XXXX bonus points after having {$50000.00} in acoount for 60 days. However, I still haven't received the bonus points today. I contacted citi 3 times ( through secured message, phone, and online chat ), and citi told me to wait at the beginning, and at the end refused to honor the term.
Product: Mortgage

Our mortgage was sold to Fay Servicing at the end of XXXX XXXX XXXX XXXX XXXX. Our mortgage was with XXXX XXXX prior to this transaction between the two companies. As of XXXXXXXX XXXX statement with XXXX XXXX we were current ( this documentation was provided to Fay servicing. ). XX/XX/XXXX was our first statement from Fay Servicing. Our first statement from Fay Servicing showed that we owed {$4400.00} ( which was not correct. ) On this statement they indicated we did not pay our mortgage payment with XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I reached out to my attorney & we provided proof ( statements & cashed check images ) of payments for every payment they claimed we did not make. 

On XX/XX/XXXX I received a Notice of Default from the XXXX XXXX XXXX dated XX/XX/XXXX. This letter stated that I was in default for not paying our 3 regular payments from XX/XX/XXXX - XX/XX/XXXX. We again provided poof that those payments were in fact made. 

Since I am in XXXX Fay servicing will not talk to me directly without a letter from my attorney. I communicated all the requirements for that letter to my attorney which they have sent three consecutive times. Fay Servicing claims they have not received those letters or has denied them. I have confirmed with both parties, XXXX that all the information was correct & the email address Fay Servicing provide me was accurate ( XXXX. ) They have made it impossible to resolve this matter and have no grounds to claim we are in default or file a Notice of Default with the courts. 

I will be happy to provide any and all documentation showing all payments they claim have not been paid, are in fact paid. They have seen all these documents via my attorney & instead of resolving the matter have continued to send us bills and letters from their attorney. It is harassment & deformation at this point. 

I also would like to note they have XXXX star reviews on google all claiming very similar instances. It seems they have already been fined several hundreds of millions of dollars for these types of practices. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.
Product: Credit card

I had initiated a chargeback dispute case with the Goldman Sachs Apple credit card for a transaction on XX/XX/year>. On XX/XX/year> my credit card issuer have closed the dispute and rebilled me for the disputed amount of {$100.00} without providing information or explanation despite providing supporting documents with UPS shipment tracking that showed that the merchandise were returned to the merchant. Merchant had agreed to price adjustment of {$100.00} but later changed mind and refused to credit the amount as stated. The Goldman Sachs and Apple Card have not provided the card member service they have advertised and stated and described in the card agreement. 

Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX XXXX XXXX 
Disputed amount : {$100.00}
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

XX/XX/XXXX. 
I am writing to address a concerning matter regarding a recent letter packet I received from Select Portfolio Servicing Inc . The packet, dated XX/XX/XXXX, stated that I was approved for a loan modification. However, I want to clarify that I never applied for such a modification. 

XX/XX/XXXX. 
Immediately upon receiving the letter, I logged into the SPS website ( https : //www.spservicing.com/ ) to investigate further. To my surprise, I noticed that my auto monthly ACH payment setup by SPS did not pull mortgage payments from my XXXX XXXXXXXX XXXX account for the amounts of {$2100.00} for XX/XX/XXXX and {$2100.00} for XX/XX/XXXX. 

In an attempt to resolve this issue, I promptly contacted SPS via the provided phone number, XXXX. I spoke with representatives named XXXX, XXXX, and later with XXXX XXXX. Unfortunately, during my initial call, the conversation was abruptly terminated, and I had to call back to speak with XXXX. I specifically asked him why I received a loan modification package. 

According to XXXX, SPS sent me a " trial loan modification '' that was pre-approved. However, I want to emphasize that I never consented to such a trial modification. XXXX explained that there was no need for a signature and that my normal monthly ACH payment triggered an acceptance for the trial loan modification. Consequently, SPS stopped my XXXX and XXXX payments. 

During my discussion with XXXX, I expressed my deep concerns about this situation. I raised the question of whether this could be considered fraudulent, to which XXXX stated it was a " system error '' and should not have occurred. He confirmed that both XXXX and XXXX payments were not collected by SPS, with the next scheduled payment being in XXXX. I insisted on receiving a letter from SPS, clearly stating that your company takes responsibility for the error and confirming that my mortgage payments will not be considered in default. I informed XXXX that I would wait for this letter before making any further payments. Moreover, I sought reassurance that making the XXXX and XXXX payments now would not trigger another SPS modification. XXXX assured me that it would not. 

XX/XX/XXXX. 
Regrettably, as of today, XX/XX/XXXX, I have not received a satisfactory letter explaining the details as discussed with XXXX. Consequently, I have refrained from making the XXXX and XXXX payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Checking or savings account

A statement of last 10 transactions dated XX/XX/XXXX from my local Wells Fargo ATM shows a posted and available balance of XXXX and includes three overdraft fees on XX/XX/XXXX. An ATM statement of last 10 transactions dated the following day XX/XX/XXXX shows an available and posted balance of XXXX, but now with only two overdraft fees on XX/XX/XXXX and a credit of {$2.00} on XXXX so the balance should have been XXXX higher by the one {$35.00} overdraft fee that disappeared between XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Inquires never requested by me. Letter Sent to XXXX, XXXX XXXX XXXX for removal still not successful. XXXX XXXX, my car was sold and paid in full with XXXX balance still shows a negative remark and balance and looks like its credit and not a car loan. Needs to be removed completely.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I have been dealing with Capital One Shopping and they are refusing to respond right now and providing no way to contact them. They directed me via their browser extension from XXXX to XXXX claiming that they would give me a discount off of XXXX higher price to help me save significantly below XXXX price and are now refusing to even respond and acknowledge their extension was activated and recorded the transaction that would give me the discount despite the fact that I have documented screenshots and invoices proving otherwise. Their website does not show any record of a pending or fulfilled reward and they are ignoring my emails, website contact form submissions and even XXXX messages to their company site. I even tried reaching their parent company the bank Capital One and after hours of effort the company reps said there was no one they could pass me onto and that I should just email them ( which as I said I already did! ). Basically they are absolving themselves of any responsibility even though they openly admit to being the same company. 

I have now lost about {$70.00} and many hours of effort. And even their rewards system would have been a retailer gift card so I now regret this entire purchase and need some help reaching them and getting recompensed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a free credit report from TransUnion and they charged me XXXX for a membership that I did not sign up for. A free credit report is all that was advertised.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
XXXX. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information.

2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms.

3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation.

Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

i check my credit report and notice some inaccurate addresses on my report thats not mine and i would like for them to be delete it from my credit report.i have attached an update letter to correct my personal information stated on XX/XX/2020 to the TRANSUNION, XXXX   AND XXXX
Product: Credit reporting or other personal consumer reports

I Will not file a complaint if this is updated to paid as agreed and updated from 30 days late. according to the FCRA LAW 15 u.s code 1681. I quote on quote have the right to a fair credit report and any false information on my credit report may be updated! I was never late with the account XXXX XXXX XXXX. Account XXXX ( XXXX ) I Was not late on the falling day XX/XX/year>