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

On XXXX report my birth day is inform incorrectly the report my birth day as XX/XX/1988 But my correct birth day is XX/XX/1988
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Other companies have my personal information.I have been getting calls and mails from slot of unknown companies.
Product: Debt or credit management

SELF FINANCIAL/LEAD BA XXXXlate payment Closed XX/XX/year> This is an inquiry for which I do not authorize the reporting due to its inaccurate representation of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX. Incorrect Names : XXXX, XXXX, XXXX ; XXXX, XXXX, L ; XXXX, XXXXXXXX XXXX XXXX requested : DELETE XXXX. Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ XXXX Remedy requested : DELETE XXXX. Incorrect Employers : XXXX XXXX XXXX XXXX  Remedy requested : DELETE XXXX Inquiries : XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EXPERIAN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Fraudulent Credit Card : XXXX XXXX : Fraudulent Utility Accounts : XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name :, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 am writing to you as the holder of the following accounts : Account number XXXXXXXX CREDIT CARD Account number XXXX CREDIT CARD The purpose of this letter is to report an issue negatively impacting my credit reports. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Debt collection

My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. On XX/XX/XXXX I received a letter from IC System offering some type of " settlement offer '' however I never gave any consent to this company to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. 
I have proof of it and it will be attached to this complaint that IC Systems is violating me as a CONSUMER pursuant the FDCPA laws mention above. 
I try to resolve this over the phone and spoke with XXXX XXXX and she did nothing about it and I also talked to XXXX or Supervisor XXXX XXXX and she stated she can't do nothing because she need it to wait for the Original Creditor ( which is another violation under 15 Usc 1692e false or misleading representations ) because I am the original creditor pursuant 15 usc 1602 ( g ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have a complaint against Nationstar Mortgage. I had applied for a HAMP modification Loan in XX/XX/2016 only to find that the application was pulled in XX/XX/2016. I did not find this out till XX/XX/2016 after I called them and was told over the phone that the loan application was pulled. The person on the phone could not tell me why it was pulled. He did tell me that there was a note in my file that the property was condemned. My home is in the process of being rebuilt after Superstorm XXXX. In XX/XX/XXXX when they pulled my application, the structure was already built on piles. The siding and roof on, as well as the doors and windows in. Neither the township nor the county I live in is going to condemn a new house being built with a state HUD Grant under the NJ RREM program. Nationstar had to have made this determination that the property was condemned. I do n't know if this had anything to do with the pulling of the application, because I never received any form of communication that it was being pulled. Can a mortgage company decide to pull your HAMP modification loan application without giving you notice that it is being done? Or without giving an explanation as to why? I had just learned that XXXX had filed on XX/XX/2016 to foreclose on the property.
Product: Credit card

Timely payments on this account have always been my priority, never allowing them to become overdue. However, I'm uncertain about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a balance on an account and updating that I settled back in 2017. I have and have attached a deletion letter I received stating this account is settled and should be removed. There is no reason for it to still be updating on credit and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This is a report about multiple violations of law by consumer reporting agencies such as XXXX, TransUnion and XXXX such as 1. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) : reported information can not be only transactions and experiences between the consumer and the company.

2. 15 U.S Code 1681a ( 2 ) ( A ) ( iii ) : the consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act.

3. 15 U.S Code 1681a ( 2 ) ( B ) : if a transaction was authorized by a social security card, the real credit card first defined understand the Truth In Landing Act, this transaction must be excluded from a consumer credit report.

4. 15 U.S Code 1681b ( a ) ( 2 ) : consumer reporting agencies need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

5. 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : Unauthorized inquiries. 

The above violations were made in relation to the following accounts and must be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, I have called XXXX XXXX XXXXk on numerous occasions in regards to my account. On my credit report, it is showing that my account is closed when in fact my account is open and accruing interest fees. I called many times, submitted disputes with each of the credit bureaus and to no avail. The disputes I open, are closed within a matter of days, and closed with the following " closed at consumers request '' I called in a couple of years ago to cancel my account due to how they were treating me when I wanted to dispute a charge that was on there incorrectly. I ended up speaking with a supervisor who convinced me that it kept my account open, the charge would be handled appropriately. 

Since then, it has been reported that my account has been closed when in fact it is still open. This is very inconvenient for the simple fact that I have a closed account on my credit report which affects my score in a negative way when my account is open and active.
Product: Credit reporting or other personal consumer reports

I reached out, via certified mail to the credit bureau, on XX/XX/2023 and XX/XX/2023 regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. XXXX  v. XXXX XXXX XXXX XXXX  This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. XXXX v. XXXX XXXX XXXX XXXX. If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A DISPUTE WAS SENT TO UPDATE INACCURATE INFORMATION BEING REPORTED BY FINGER HUT. THEY UPDATE THE REPORT WITH MORE INACCURATE PAYMENT HISTORY. 30 DAYS LATE 1 TIME 60 DAYS LATE 1 TIME 90 DAYS 4 TIMES IN XXXX AFTER THEY SOLD THE ACCOUNT IN XXXX
Product: Vehicle loan or lease

In mid XXXX i was in a accident, i sent Kia Financing a bank transfer for {$4500.00} to pay off my loan thinking i would get a check from insurance, well the insurance company also sent Kia finance a payoff transfer. I have called Kia once a week for close to 100 days requesting my refund, each time i call, they promise to send me a check, which never shows up ... I called them today and again promising to send a check in 10 to 14 days, I am now unemployed because of a cutback at work relating to covid and i need this money now. The people i talked with today in cust. service is XXXX, and a superviser XXXX in cust. servise
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative : I am writing to file a formal complaint regarding what I believe to be an unauthorized and potentially illegal access to my private data. I am concerned about the actions of the Department of Government Efficiency ( DOGE ) in accessing my personal information through the Department of Education without my consent.

Details of Complaint I recently discovered that DOGE has accessed my private information that was held by the Department of Education.

This access occurred without my knowledge or consent.

I believe this constitutes a violation of my privacy rights under applicable federal laws, including but not limited to the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) if educational records were involved.

Impact This unauthorized access to my personal data has caused me significant distress and concern regarding : - The security of my personal information- The potential for misuse of my data - My rights to control access to my private information Requested Resolution I am requesting that the CFPB : - Investigate this matter to determine if federal privacy laws have been violated- Require DOGE to disclose exactly what information was accessed and for what purpose - Ensure that any improperly accessed data is deleted from DOGE systems - Take appropriate enforcement action if violations of law are found - Provide me with a complete accounting of what data was accessed and how it has been used - Remove any student loans associated with this privacy violation from my credit report, as they have been improperly handled and reported due to these unauthorized data access practices I understand that the CFPB may need to share this complaint with other federal agencies or the subjects of the complaint in order to address these issues properly.

Thank you for your attention to this serious matter. I look forward to your response and assistance in resolving this issue.
Product: Payday loan, title loan, or personal loan

In early XXXX 2017 I borrowed XXXX dollars from an on line tribal lender " big picture loans '' unable to view the " truth in lending '' disclosure until after the loan had been processed and funds delivered to my account, I was unaware of the 697.0714 % interest rate! Payoff amount {$3200.00}! I have contacted The Florida Office Of Finiancal Regulation and XXXX, I was told Big picture loans is not licensed in Florida. I am now aware that this loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of XXXX dollars. I have paid off the XXXX dollar principal and plus. After educating myself I am submitting this complaint to stop being harassed by big picture loans with endless emails
Product: Credit reporting or other personal consumer reports

* I am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXXXXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/2024 - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, a debt collection agency employed by XXXX XXXX  reported a debt of {$640.00}, which was already incorrect and reflected fees and charges not associated with the original account filed a court lien against me in XXXX county GA where I reside. Altridge Hann the attorney 's office used to file the XXXX sent over a settlement agreement where the full debt would be settled for XXXX payments of {$280.00} ( XXXX total ) to settle the debt. Both payments were received on XX/XX/2022. I was told 10 days from the last payment received that I would be sent the appropriate documentation and that the court XXXX would be withdrawn. Both XXXX XXXX and Altridge Hann have failed to send appropriate documentation and continue to hold remaining debt despite our settlement agreement and refuse to update the credit beaurus with correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX RETAIL Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX CO Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Checking or savings account

On XX/XX/2019 I attempted to make a transaction for XXXX through the XXXX link attached to my bank account ... When I alerted the bank of suspension of fraud because the Original contact person name did not match the bank information associated with the phone number linked to the account. I was told even though the XXXX is linked to the account they would not be responsible for the transaction which is misleading considering its associated with an institution whos standards are morally ethnical..