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

In accordance with the Fair Credit Reporting act my rights are being violated.

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

15 U.S.C 1681 Section 604 A Section 2 a consumer reporting agency can not furnish a account without my written instruction SEE ATTACHED
Product: Debt collection

In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer 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 Phone Number ( XXXX ) XXXX NOT MY EMPLOYER TOTAL STAFFING CROWN SERVICES CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Inquires need to be removed and this has violated 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 an 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 then records of convictions of crimes which antedates the report by more then 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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found incorrect late payment listings inconsistent with my payment habits. Please update my account to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX., has violated my rights. opened XX/XX/2022 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 1666B : A credi
tor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this account open as an error from the store, they I applied for XXXX card and now I have XXXX  cards for the same store, and I cant put on automatic debit, this card does not even appear in my store dashboard, I spoke to the manager he told me to be able to remove the late payment he needs to close the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time requesting your company to BLOCK the information on my credit file that I have identified as identity theft. The law requires any consumer reporting agency to block information in the file of a consumer that the consumer identifies as identity theft, no later than four days of the receipt of an identity theft report, identification of the information, a statement that the information is not related to any transaction completed by me and appropriate proof of identity. I have provided all of the above mentioned documents and your company is not complying with federal regulations. You are requested to BLOCK the information in my report within 4 days of this notice. My request to block is not being made in error, nor is my request to block made on the basis of material misrepresentation of fact by me relevant to my request to block. I have not received or obtained any services, goods, or money from the companies identified in my FTC report. I received a response from your company to my last request for you to block this information. Your company states that I previously asked you to DISPUTE this information that I have identified as identity theft. I AM NOT ASK YOU TO DISPUTE ANYTHING. I AM NOT ASKING FOR VERIFICATION, I AM REQUESTING A BLOCK OF INFORMATION THAT IS A RESULT OF IDENTITY THEFT. IF SOMEONE ASKED YOU TO DISPUTE ANYTHING IN THE PAST, IT WAS NOT ME. I AM REQUESTING A BLOCK OF THE INFORMATION PURSUANT TO 15 USC 1681c-2. I will be filing a complaint with the XXXX, Attorney General and seeking litigation if my request is not taken seriously. Please see attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX
Product: Credit card

I was traveling in XXXX in XXXX 2015, where I decided to make some purchases. Prior to making the purchase I wanted to verify that my Chase credit card would not have any foreign transaction fee so I contact their customer service department to verify the information.. The customer service representative at Chase informed me that there will be no foreign transaction fee since I informed her that XXXX XXXX dollar is pegged to XXXX XXXX dollar ( meaning dollar for dollar ). The Chase service representative did not give a clear concise correct information when inquired about the fee. Based upon the now erroneous answer from the Chase customer service representative, I made the purchase using the Chase credit card. Imagine my surprise when I received the statement following month when there is over {$880.00} in foreign transaction fee from Chase credit card. I have requested from Chase to review the telephone transcript from XXXX XXXX, 2015 and credit my account for the errors attributed by their employee, but Chase has refused to do so. I have also requested copies of the transcript of the phone conversation I had with the Chase customer service representative on XXXX XXXX, 2015 but Chase also refused that request. I feel that Chase credit card is at fault for relaying the wrong and confusing statement and now they wo n't even release the transcript of the phone conversation because the truth will expose their fault.
Product: Credit reporting or other personal consumer reports

the lender XXXX  is furnishing inacuratem information on my consumer report its reporting 4 late payments on on experian and 2 late payments on transunion i would like these inacuracies removed from my consumer report
Product: Credit reporting or other personal consumer reports

This is about transunion and please send this to the ceo XXXX XXXX XXXX. 15 usc 1681b ( 2 ). Any negative item that a company reports to your credit report without my written permission is considered identity theft and fraud. ( Permissible purpose ).

15 usc 1681n if the credit bureaus do not delete your negative items after your negative items you dispute them they will owe you a {$1000.00} per item. Civil loan for willful noncompliance. 

Also I am a American state national not a us citizen ( XXXX XXXX XXXX  XXXX  XXXX ). 
Also from my fee schedule you will owe me {>= $1,000,000} for billing my social security number illegally ( cestique act trust of 1666 ) Plus {>= $1,000,000} for fraud and {>= $1,000,000} For racketeering total {>= $1,000,000} plus. I am going to give you until XX/XX/XXXX th XXXX business to correct the error. If you do not comply you will be in a federal court house and brought to trial. 
Fraud, racketeering etc. You ask me for my social security number to get access to my trust as a authorized agent. Remedy delete all negative accounts or go to court.
Product: Debt collection

I was never given any letters that it was going to collections. I had no Idea. I have not lived there in a while but I think my friend renewed the lease after I left. I was living in XXXX form XX/XX/XXXX to XX/XX/XXXX due to my grandpa being sick My grandpa passed away in XXXX of XXXX and that's when I came back at the beginning of XXXX. My friend was helping me with rent while I was gone for the remainder of the lease that was up on XX/XX/XXXX and that was the last that I knew of the lease. I actually tried to contact her to get my things before the lease was due but I was unable to get in contact with her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. 

I sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XX/XX/XXXXbut they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Product: Debt collection

Macys/DSNB XX/XX/2016 was on my credit report and I attempted to contact the company to let them kno wits not mine and they was not listening and di not care.
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 : 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 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

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Lvnv funding LLC is calling all hours repeatedly, and saying there from the social security office
Product: Credit reporting or other personal consumer reports

Please Delete this inquiry XXXX XXXX XXXX XXXX XX/XX/23 done fraudulently and unauthorized without consent. This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in Advance for your Cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I truly am confused by your lack of compliance. I informed you there are errors & inaccuracies on my credit report & requested ALL documentation to prove the account was100 % true, accurate, correct & VERIFIABLE. In your investigation, you claimed to have to VERIFY this account? Fantastic, WHERE IS THE PROOF? I HAVEN'T SEEN ANY EVIDENCE OF VERIFIABLE PROOF. Please provide me with ALL VERIFIABLE PROOF. If you are unable to provide copies of the agreement which bear my signature then I need the account removed at once. 

Original creditor : XXXX
Product: Debt collection

Ive repeatedly told this company to stop emailing and calling me nonstop and now its gotten worse. I have over XXXX emails and calls from them. The collection agency is called XXXX.
Product: Credit card or prepaid card

On XXXX XXXX 2020 I made a payment on our capital credit card in the amount of {$3700.00}, bringing my balance to {$0.00}. When my statement closed on XXXX XXXX 2020 they charged me interest on my {$0.00} balance, that charge was {$72.00}. I found this out when my online statement was sent yesterday XXXX XXXX. They are telling me that because I had a balance at the beginning of the cycle on XXXX XXXX, that is why I got charged interest. Seems very backwards to me because they charged interest at the beginning of XXXX billing period, and now at the beginning XXXX billing period. So it seems they have charged interest on the same amount twice. I got billed interest on XX/XX/XXXX in the amount of {$81.00} and now getting billed interest again on XXXX XXXX for {$72.00}. When we call the company they explain it that interest gets charged at the beginning on the billing cycle regardless of what you do during the month. Which means since I now have a balance again because of this bogus charge, I will have a interest charge on my XXXX billing cycle. Something really seems messed up about this and if this is how they are doing business, it explains why people can never get out of credit card debit. We have requested from them a credit for the {$72.00} and been told no. I have spoke to a customer service rep named XXXX, and a supervisor named XXXX. My wife has also spoke with customer service and supervisors. Calls to customer service have been made on XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding XXXX 's Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. Despite multiple attempts to address these issues directly with XXXX, they have failed to fulfill their legal obligations, causing significant harm to my credit profile and financial well-being. 

Description of the Issue [ Provide a brief explanation of your issue. For example : XXXX has repeatedly reported inaccurate information on my credit report, failed to properly investigate disputes within the legally required timeframe, or refused to correct inaccuracies despite providing sufficient documentation. ] Failure to Ensure Accuracy : Failure to Investigate Disputes : Failure to Notify Furnishers of Disputes : Resulting Harm : I respectfully request the CFPB investigate XXXX 's noncompliance with the FCRA and take appropriate enforcement actions to ensure they meet their legal obligations. Specifically, I ask for : A thorough review of XXXX 's practices regarding my case. 
Verification and correction of all inaccuracies in my credit report. 
Implementation of stricter compliance measures to prevent future violations. Delete all negative accounts. 
Conclusion XXXX 's failure to adhere to the FCRA has caused me unnecessary distress and financial harm. I trust the CFPB will address this matter promptly and take necessary actions to hold XXXX accountable for their obligations under federal law. 

Thank you for your attention to this matter. Please feel free to contact me if additional information is required. 

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

I am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by BMW Financial Services XXXX XXXX XXXX XXXX Ohio XXXX for account XXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at BMW. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact BMW is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the BMW customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to BMW Financial Services including a formal dispute which is attached with the details of the incident, copy of my XXXX credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth 50 page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXXXXXX XXXX XXXXXXXX XXXX and also the recorded phone conversation with BMW financial services employee be pulled to show that I was given incorrect information.