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

This is my third complaint about XXXX, Experian, and XXXX for not meeting Metro 2 Compliance or E- Oscar Protocol when verifying collections on my credit report. The Credit Bureau stated that my accounts were properly investigated Complaint # XXXX. This was a false statement by the credit bureau because the date opened is inaccurate and the date last active is inaccurate. And some of the collections account are the same account under to different names. Some of the collections accounts are still receiving payments beyond the last date of activity. 
1. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the date last active is inaccurate across 3 all credit bureau. On the XXXX  report the last date active has been reaged. These inaccuracies grounds for removal from my credit report. 
2. XXXX Acc # XXXX. The account type is inaccurate, the account status is inaccurate, the date opened is inaccurate, the date lasted reported is inaccurate and the last date active is inaccurate across all 3 credit bureau. These inaccuracies grounds for removal from my credit report. 
3. XXXXXXXX XXXX XXXX  Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. On the Experian report the date last active has been reaged and this account is also being reported under XXXX Acc # XXXX. These inaccuracies are grounds for removal from my credit report. 
4. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the credit limit is inaccurate, and the date last active is inaccurate. These inaccuracies are grounds for removal from my credit report. These inaccuracies violate my rights under 15 U.S.C 1681 Section 602 A. States I have a right to privacy, under 15 U.S.C 1681 Section 604 A, Section 2. The consumer reporting agency can not furnished a account without my written instructions. 
I am factual disputing the accuracy of all these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX  XXXX XXXX or XXXX
Product: Credit card

I submitted a complaint due to US Bank closing my account for excessive disputes. Despite being told when I submitted the disputes that this wasn't a possibility, XXXX separate agents told me that was the reason, and I was mailed a letter yesterday. The second, a supervisor, read directly from the letter. This was a recorded phone call. I asked her why they would make this decision over a month after I submitted the disputes and was told that my account being negatively affected because of it wasn't an option. I have submitted no further complaints since then. The only answer she could come up with was she wouldn't have expected it. I requested they fax the letter to me, as they have previously agreed to do with all correspondence due to technical difficulties with their online portal and my routinely not receiving letters they claim to have sent. I also sent a fax with the same request. This all occurred the morning of XX/XX/year>. While they have failed to live up to this commitment, I did received a fax back, with a letter dated XX/XX/year>, that does not include excessive disputes as a reason. As stated in a previous complaint, they have removed my access to account details. I believe the entire purpose of this is so they can settle disputes without me having any ability to correct the numerous errors they make in real time. If denying me access to proper notifications isn't effective, they will deny my access to my entire account. I have had Credit Cards closed in the past. In each case, my online account continued to work. In this case, I can login, but not view transactions, statements, or any other account details. They apparently just plan to steal my remaining balance and are using a fraudulent account closure, done for fraudulent and fictitious changing reasons, as cover to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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.
Product: Payday loan, title loan, or personal loan

I was approved for a loan however upon receiving the loan and viewing the APR they are charging almost 800 % interest rate turning a {$1000.00} loan into a $ XXXX loan.
Product: Debt collection

In checking my credit reports, I see that there is a discrepancy related to an account. It shows as charged off $ XXXXwith two different charge off dates yet it still shows a balance of {$3600.00}. And then it shows as being sold to/purchased by a company named Velocity. 
It also shows as 30/60/90 days past due however, this is not true as this had been enrolled into a debt consolidation program since XX/XX/XXXX and they were in negotiations since that time with the original creditor. 
So Upgrade then updated the balance to {$3600.00} in XX/XX/XXXX, charged it off in XXXX AND XX/XX/XXXX and started directly accepting payments on the account in XX/XX/XXXX onward. 
This is fraudulent activity as they have already allegedly written this debt off and will be using this as a tax write-off for business purposes, so this should be reported to the Internal Revenue Service . They are also accepting funds fraudulently that allegedly belong to the the company they have sold the debt to.
Product: Credit reporting or other personal consumer reports

I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not give these companies permission to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I am writing to file a complaint regarding a failure to provide validation of debt by GM Financial Services. On XX/XX/2023, I submitted a request for validation of debt to GM Financial Services via certified mail. Despite this request, I did not receive any documentation validating the debt within the timeframe prescribed by law. 

Furthermore, I subsequently submitted a dispute to the credit bureaus regarding the debt reported on my credit report. The credit bureaus conducted an investigation into the matter ; however, I was not provided with any documentation supporting the debt as requested. 

This failure to provide validation of the debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against GM Financial Services for their failure to comply with federal regulations. 

Enclosed with this letter are copies of the correspondence I sent to GM Financial Services requesting validation of the debt, as well as documentation of the dispute I filed with the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this issue. 

Sincerely, XXXX XXXX Enclosures : Copies of correspondence requesting validation of debt sent to GM Financial Services Documentation of dispute filed with credit bureaus
Product: Credit reporting or other personal consumer reports

There are accounts reporting on my consumer credit report with different amounts and different open dates from the other agencies that are reporting those same accounts. XXXX isn't reporting any of the accounts that the other 3rd parties are reporting and those are violations and must be removed immediately according to congress and federal law 15 USC 1681. Not only are they violations according to congress but I've been violated and I've also been denied for things that I've apply for, I've been humiliated and denied my rights to privacy when congress put it in writing and a consumer also has the right opt out of 3rd party affiliates as yourself, I feel my life is in danger because of your agency reporting my nonpublic information to the public without my permission or my written consent. 
15 USC 6802 and 16 CFR 313 explains the privacy of a consumer financial information and explains that a financial institution may not directly or through any affiliate disclose to a nonaffiliated 3rd party ( XXXX, Experian, XXXX, and XXXX XXXX ) any nonpublic personal Information and if so, that is also a violation, and the consumer can be compensated {$1000.00} or more each month the consumer 's nonpublic information was reported. I will provide a copy of my consumer report, my opt out letter, the Privacy act of 1974 EXPLAING CONSUMERS RIGHTS TO PRIVACY, OPT OUT RIGHTS AND THE PUBLICATION 4681 CERIFICATE OF INDEBTNESS which explains what a charge offs is and the reason it is not supposed to be on a consumer 's report, a list of the items that I would like removed immediately, also all addresses excepXXXX XXXX XXXX XXXX XXXXXXXX, la XXXX because the other addresses are not mailable addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit card

I booked an XXXXXXXX XXXX to Florida with XXXX XXXX in XXXX to depart XX/XX/XXXX with XXXX XXXX  because there was a death in a family, We had to cancel the trip. I immediately reached out to XXXX via the app and cancel the trip XX/XX/XXXX I was told they can cancel it and refund the rental car but I can not get a refund for the hotel or the flight and I would have togo through the credit card. This was told to me via a chat. I contact the credit card company and started a dispute. They asked for documentation which I provided, the case was closed and then reopened and today XX/XX/XXXX I received a final letter saying that they are going to keep the place closed and I will not be refunded.
Product: Mortgage

Our mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage. We had started a home modification with XXXX XXXX XXXX and, in XXXX when the transfer took place, we were two months behind on the mortgage but all that was left was to be approved by the underwriter. 
A month later, we've had no contact from Carrington Mortgage except for them to request the same information we'd already submitted to XXXX XXXX XXXX. We finally get that fiasco straightened out and they set up the modification for our home loan. We were told that we'd make a payment in XXXX, XXXX and XXXX and be able to skip the XXXX payment and start again in XXXX. 
We dutifully make our payments and, suddenly, now we're being told that we have to continue making payments until the modification is approved by the underwriters. This is on top of our credit report now showing we're 90-120 days behind on our mortgage which has impacted our daughter 's ability to obtain financial aid for college this year. 
To make the situation even better, after making our required three monthly payments, in today 's mail we received a notice of Intent to Foreclose. I understood that any foreclosure action was put on hold while the modification process was ongoing. Apparently, Carrington Mortgage 's vision and mission statement involves lying to their customers. We were told multiple times that we would be able to miss the XXXX payment, only to be told that we need to continue making payments until the underwriter approves the modification. We started out being two months behind on our mortgage only to end up with our credit report showing we're 90-120 past due because Carrington and XXXX  XXXX XXXX couldn't communicate which not only impacted us, but also our daughter 's college aid. We were told foreclosure actions would be on hold while the modification was going only to receive an Intent to Foreclose. 
Absolutely nothing we've been told by Carrington Mortgage has happened the way they assured us it would. This modification was almost finished with XXXX XXXX XXXX in XXXX and it's XXXX and we're still trying to get this completed.
Product: Credit reporting or other personal consumer reports

Dear COMENITYBANK/HELZBERG, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : COMENITYBANK/HELZBERG, dated XXXX Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote letter to Tran Union LLC requesting Validation of the items and not verification if the items could not be Validated that items be deleted in accordance with the Fair Debt Collection Practice Act, 15 USC 1692g Sec 809 { b } that your claim is disputed and validation is requested. To date Trans Union LLC 3 responses has only been that the accounts have been Verified as Accurate and updated and not deleted, which is in clear violation of the Fair Debt Collection Practice Act.
Product: Credit reporting or other personal consumer reports

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

XXXX weeks ago, I applied power of attorney for my uncle. I provided all the paperwork with my uncles signature that notarized. XXXX week later, they said they need my uncle come himself. So I provided my uncles admission report. XXXX week later, they told me they need the doctors signature. Then I provided the doctors signature when my uncle entered the hospital. XXXX week later, they told me, the doctor didnt explain why my uncle cant come himself. I asked them to send me a email to explain what they needed. They didnt respond to me over XXXX week. Obviously, they want to make things difficult. If they give me answer through email, I can ask the attorney to call them. But they did respond. I have no choose except complain at here.Thank for reading.
Product: Credit reporting or other personal consumer reports

I have request for my equifax for many months and it never came in the mail after many attempts for sending out a request I receive it. The name on the report states my maiden name. After receiving a response back they state name change will not be disputed at this time. I have today on XX/XX/XXXX sent out a letter with a copy of the confirmation # XXXX and a copy of my marriage certificate date XX/XX/XXXX. 
I also disputed a phone number that has never been my phone number that they wouldn't let me dispute. That phone number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Transunion Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. 

These items must be removed in order to show my true credit history. I make this request pursuant tol5 USC Section 1681 of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Comments Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Remove all fraudulent inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information.

Also, 15 USC Section 1681 ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Additionally, 15 USC Section 1692c ( c ) states that if a consumer notifies a debt collector that the consumer refuse : to pay a ( fraudulent ) debt, the debt collector must cease all communication. 

Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with then directly. Thank you for your assistance in this matter.
Product: Debt collection

Capital Accounts , LLC has been illegally reporting on my credit report since XXXX. As I informed their company on several occasion I do not have a wet ink signature contract with them I have complained to XXXX and XXXX multiple times. Capital accounts is reporting that I owe {$4300.00}. When I asked Capital Accounts to give me a copy of the medical bill they provided me with a copy of a chiropractic medical bill with my name on it for the amount of {$3000.00}. The amounts are different and under FCRA .I demanded for deletion but Capital Account , LLC did not follow the law. Capital Accounts , LLC stated the account accures interest at the rate of $ XXXX.This violates HIPPA and FCRA for consumer privacy protection. I never gave permission for Capital Accounts , LLC to have access to medical records. 

This is my final attempt to resolve this matter without litigation. If they do not delete this account within 30 days I will sue them for damages dating back to XXXX. 


Capital Accounts , LLC XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX www.capitalbillpay.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX requesting that these inquires be investigated and prove to be an inquiry I authorized with written consent. I have not initiated any transaction with Oportun on XX/XX/2022 or XXXX XXXX on XX/XX/2022 Further, No accounts has been opened on these dates with these creditors. Therefore I do not have a account as defined under 15 U.S.C. 1693a ( 2 ) with these two Creditors for review or collection. 

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 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. 
I never gave written consent to have my consumer report obtained by either of these 2 creditors which means these inquires are unauthorized, neiter did I give XXXX permission to but these inquires on my consumer report.