23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

CAINE & WEINER COMPANY INC You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus XXXX, Experian and XXXX. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX- {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am upset to see the information that I have disputed are still can be seen in there. I can say that I am being ignored by your agency for not removing items as per my request, I do not grant you an authority to report versus me.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ Dates of fraudulent transaction XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ] Dear Sir or Madam : [ XXXX XXXX XXXX ] I am a victim of identity theft. The thief [ made a fraudulent transaction in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me with copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name, address and telephone number is : [ insert officer name, address and telephone ]. Please also send copies of all records to this officer. ] Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that my credit report includes an entry from your agency, specifically regarding accounts with no monthly historical data. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is required to promptly remove these entries.
Product: Consumer Loan

I purchased my vehicle from Credit Acceptance Corporation in XXXX 2013. I recently fell behind on my payments by 45 days. On XXXX XXXX around XXXX XXXX XXXX. they repossessed my vehicle. I was supposed to be notified by letter 24 hours prior to this according to NY State law. The person who picked up my vehicle said to give him a call when I paid and I could pick it up after the loan company sent a release. I called Credit Acceptance immediately and was told I owed {$670.00} ( XXXX payments plus late fees ) I made and arrangement to pay on XXXX XXXX, which I did ( less than 48 hours later ). I was told by the loan company that I could pick up my vehicle and to call the towing company to make arrangements. When I called I was told that my vehicle had been picked up by the auction company that morning. I made 5 more calls to Credit Acceptance on Friday trying to locate my vehicle. I was first told it was n't at the auction house yet. I requested an address, which they said they could not give me. I was then told they could not contact them and Someone would call me back, which they never did.. Finally I was told that they were closed for the day and to call back Monday. I called 3 times Monday XXXX, XXXX, and XXXX XXXX finally getting my vehicle released. I was told it was now in XXXX, NY ( XXXX miles away ). I made arrangements to pick it up Wednesday XXXX. I was told that the plates had been removed and to contact the towing company in XXXX, NY. My issue is that I had to make a total of 13 phone calls, I was charged {$40.00} to get my plates and personal effects back from the towing company. I now have to take an afternoon off work to travel to XXXX, incur fuel and toll charges AND I was charged an additions {$85.00} by my loan company for transportation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Debt collection

I have attempted several times to dispute collection accounts from Professional Credit Management of XXXX Arkansas  for medical collections on my credit report that are not mine. This is also a HIPPA Violation. I have requested that they send me a copy of the HIPPA form showing proof that i signed it and they failed to do so. This needs to be removed from my XXXX report immediately! There are 4 accounts on my report from this company that are in violation of the HIPPA Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record
Product: Debt collection

Healthcare Receivables Group has reported an alleged debt in the amount of {$780.00} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Healthcare Receivables Group obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692. The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Healthcare Receivables Group on XX/XX/2021 and I await a response.
Product: Credit reporting or other personal consumer reports

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

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

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I am unable to make my payment until the middle of next month. When XXXX called me she said that I needed to pay now and that waiting until next month was unacceptable. We lost connection and she called me back and left a voicemail stating that we need to handle this like adults! Really, I called and tried to make arrangements as an adult to get an extension and this lady wants to tell me how to adult! In my opinion XXXX is very unprofessional and needs to have some training done on how to react to customers!
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  : # XXXX, 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 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: Debt collection

on XX/XX/year>, XXXX XXXX contacted a family member in regards to debt collection. They revealed information about an outstanding debt. This family member is in no way connected to this account and there is no reason they should have been contacted. 

It was inappropriate to reveal ANYTHING to this party and has directly put me in harm 's way.
Product: Mortgage

At the beginning of XXXX our loan was transferred from XXXX XXXX XXXX XXXX to Rushmore Loan Management. I asked the to remove the mortgage insurance from my loan. which should have been done several years ago. i have a letter from them stating my loan to value is 70 % but they are refusing to remove the PMI it should have fallen off long ago. The readily admitted i was at 70 % LTV in the letter but said I needed to pay {$600.00} to {$1000.00} for an appraisal first. WHAT.. it was supposed to automatically fall off the loan when i got to 78 % LTV. Appraisals do not cost that much in Indiana and it is complete non sense to make a borrower pay for an appraisal when you clearly see that we are way below the LTV.. i am in the mortgage business and I know how things should work. the PMI should have been removed from my loan a long time ago and XXXX XXXX would not remove it. Our mortgage is paid up to date there is no reason to keep charging me {$50.00} a month for PMI when my LTV is less than 78 % The balance on my loan is {$130000.00} the current market value of my home is around {$240000.00}.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX failed to remove these inquiries There are inquiries on my accounts that I never received goods from and I didn't authorize these accounts to report to my credit profile. 
The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As for these accounts are damaging my credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX : It appears that the first letter I sent was verified and I dont agree. I have attached the second letter onto the attachments down below. Your company has violated my rights within The FCRA section 609. You didnt use the correct steps in verifying the inaccurate accounts and errors youve claimed to be mine and forcingly placing accounts on my report. I asked for the steps of the verification method because I know that the FCRA SECTION 609 states that you must have an original contract showing that I owe a debt along with the signature shown on the original contract. I have asked for that and I havent gotten a respond from any of your credit bureaus. Its been a total of 90 days. No creditor has responded within that time as well and all the inaccurate items should be removed immediately. My next step is to file a complaint with the FTC if you dont remove the accounts immediately. This is my second letter and I am keeping record of all the letters and documents that have been sent to your company. If this continue with anymore reports showing verified I will be forced to go down to the county court house in XXXX Georgia to file a lawsuit upon your companies. This is a warning. I have attached pictures of the inaccurate accounts and inquiries to be removed along with a 2nd letter of warning. Also pictures of my passport and social security card.
Product: Credit card or prepaid card

I HAVE BEEN TREATED SO BAD BY THIS CREDIT CARD COMPANY XXXX XXXX XXXX.. I HAVE TRIED TO FILE FRAUD WITH THEM THAT HAD BEEN ON MY CREDIT CARD FOR A WHILE NOW AND THEY WILL NOT HELP ME AT ALL. THEY CLOSED THERE ACCOUNTS AND ARE NO LONGER IN BUSINESS I BELIEVE AND NOW THEY WONT HELP ME AT ALL.. I WAS CHARGED FOR SEVERAL CHARGES ON MY ACCOUNT AND I NEVER AUTHORIZED THESE TRANSACTIONS OR DID BUSINESS WITH THESE SAID COMPANIES. I WAS SPEAKING WITH THE SAID COMPANIES BUT NEVER DID BUSINESS BECAUSE I WAS UNDER THE INFLUENCE AND WAS NOT ABLE TO MAKE THAT DECISION AT THE TIME OF THEM TRYING TO GET ME TO PAY THEM. WELL THEY ENDED UP GETTING MY INFO AND CHARGING MY ACCOUNT WITHOUT MY CONSENT WHICH IS ONE AGAINST THE LAW IF I WAS UNABLE TO MAKE DECISIONS UNDER THE INFLUENCE AND I NEVER AUTHORIZED THESE TRANSACTIONS TO COME OUT OF MY ACCOUNT. THIS IS SENIOR CITIZEN ABUSE AND THIS IS NOT RIGHT. PLEASE HELP ME GET MY MONEY BACK FROM THIS CREDIT CARD COMPANY THAT WILL NOT HELP ME ESPECIALLY NOW THAT THEY ARE GOING OUT OF BUSINESS OR WHATEVER THEY ARE DOING. I LIVE ON A FIXED INCOME AND CAN NOT AFFORD TO PAY FOR THIS CREDIT CARD BILL AND SHOULD NOT HAVE TO IF I NEVER AUTHORIZED ANY OF THESE CHARGES. THANK YOU FOR YOUR TIME IN THIS MATTER
Product: Credit card

RE : Complaint # XXXX. I received an email on XXXX/XXXX/15 stating my payment of {$48.00} has been posted to my account yet discover card continued charging my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX causing {$75.00} in overdraft fees plus a {$.00} transaction fee. No notice was received stating the payment due date had been changed from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old " hard '' credit inquiry listed on my credit bureau reports that is 2 years old and needs to be deleted. It is an inquiry from XX/XX/2016

The company that is reporting the credit inquiry is Capital One Bank.

This old information is hurting my credit score and my ability to find a job, obtain a loan, or rent an apartment.

It is listed on my XXXX, XXXX, XXXX, and XXXX  credit bureau reports.
Product: Credit reporting or other personal consumer reports

XXXX doesnt belong to me XXXX XXXX doesnt belong to me XXXX XXXX doesnt belong to me XXXX doesnt belong to me XXXX 
I was XXXX
Product: Student loan

I have a loan with Sallie Mae that i signed with a cosigner to help me pay for college. I have never adjusted the original terms of the loan since I took it out, even though I make only {$20000.00} a year. I called to ask for lower monthly payments from the current {$340.00} a month that I pay. This amount is nearly 20 % of my monthly income and does not even include my XXXX other student loan payments. The other XXXX I have allowed me to be put on an income based repayment plan, but not Sallie Mae. ( Not to mention my Sallie Mae loan has an interest rate 3 % -4 % higher than any of my other loans ) I have been a good borrower in the 5 years since I left college yet they refuse to work with me. The only option they offer is deferment. Putting the loan on hold for 3 months while still collecting interest is not going to be a long term solution for me. Yes, they would love it if I kept putting my loan on deferment I 'm sure because it means more money in their pocket. They do n't care it does absolutely nothing to help the borrower. 

The lender is supposed to be serving the borrower, not the other way around. My experiences with this company have been nothing but awful. I would recommend anyone who needs a loan, student or otherwise, to get it anywhere else but Sallie Mae. I have never dealt with such a horrible company in my life. I call ahead of time to let them know I ca n't make the payment and they tell me that the collections department wont even speak to me until I let my loan payment go late. Once it goes late however, they have no problem harassing me 7 times a day. Then I call them back only to wait on hold for an hour and to be told that no changes will be made to my loan. 

I am now left in a position where I can continue to pay the loans and have nothing left over to try and improve my life ( like finishing the few classes I have left on my degree, or moving into my own apartment ) or I can destroy my credit while improving my situation, because the XXXX loan i have that takes up 20 % of my income refuses to help a proven good borrower. Learn from my experience and do yourself a favor. NEVER get a loan with Sallie Mae.
Product: Debt collection

I received the attached letter in the mail ( un-certified mail ) but did not open it immediately. I set it aside assuming it was junk mail. This was in XX/XX/2022. 
At the end of XXXX, I noticed on my XXXX card statement that my credit rating had been diminishing since XXXX. I then remembered the letter from the lawyer and opened it. 
The letter from Weltman, Weinburg & Reis claims that I owe {$8000.00} to XXXX XXXX  and they are assigned to collect the debt. Note that the account listed on the letter ends in XXXX. 
Other than the account digits, the letter makes no explanation of why I allegedly owe the debt. 
I have had only a single XXXX XXXX  account ( checking ) for 30+ years, and the account number does not end in XXXX. I have NEVER borrowed money from XXXX XXXX. 
I called XXXX XXXX  on XX/XX/2022 and spoke with their debt collection department. They assured me of two things : 1 ) I do not, and have never, owed any money to XXXX XXXX. 
2 ) XXXX XXXX  has their own collection department and they do not use 3rd party agencies to collect debts. They were not familiar with Weltman, Weinburg & Reis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft - corporate card was taken out in my name with my SSN, address, and BD. Card was XXXX XXXX credit card. {$24000.00} was charged at XXXX XXXX on XXXX, MO on XXXX Individual paid on fraudulent cad in person and items were delivered to a storage facility in XXXX XXXX, MO. XXXX at XXXX XXXX in XXXX, MO, closed the fraudulent corporate account immediately and filed police report. I filed my own police report on XXXX. I have placed a freeze on my account with all 3 credit bureaus and a fraud alert on XXXX. 

Hard inquiries are still showing up on my account with Equifax. I have tried multiple times to contact XXXXXXXX XXXX regarding disputing these inquiries and have had no luck getting ahold of them. 
XXXX, called XXXX XXXX XXXX XXXX XXXX, held for 20 minutes before disconnecting call XXXX, called XXXX XXXX XXXX XXXX XXXX XXXX held for 20 minutes before disconnecting call, and then called XXXX. Spoke to someone ( didn't get name ) who told me to call XXXX. 
XXXX, called XXXX XXXXXXXX XXXX, XXXX, spoke to XXXX. He was able to locate the application and transferred me to another team and call was disconnected. 
XXXX, called XXXXXXXX XXXX, XXXX, held for 20 minutes before disconnecting the call. 
XXXX, called XXXXXXXX XXXX XXXX, held for 20 minutes before disconnecting call. 

The 2 hard inquiries I am requesting to be removed are : XXXX XXXX XXXX XXXX XX/XX/22 inquiry, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XX/XX/22 inquiry, XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptance is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX XXXXnd, XX/XX/XXXX XXXX XXXX XXXX  The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.