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

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in XXXX XXXX. XXXX ( a ) ( XXXX ). 
Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under XXXX XXXX. XXXX requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy. 
Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to XXXX XXXX. XXXX ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 
I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within XXXX  days of receipt of this letter. 
Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Product: Mortgage

My mortgage got sold to new company. Mr. Cooper. My payment is due on the XXXX  and like always not late after the XXXX of the month. Yet this new mortgage company calls me once or twice a day everyday starting on the first of the month until I make the payment even though it is not even late yet! I am just and tired them harassing my cell phone. Told them numerous times that what they are doing is XXXX, I am not late stop calling.
Product: Mortgage

The home sold at foreclosure auction XXXX/XXXX/XXXX back to the bank. The homeowner applied for assistance before the foreclosure sale date and has not been reviewed for help prior to this submission. There is also no previous modification since XXXX applied to the loan. We spoke with representative XXXX ID XXXX on XXXX/XXXX/XXXX and he confirmed that the clients modification request was sent to underwriting on XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information form my file. The Items I deleted are listed in the report I am a victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three credit bureaus Experian, XXXX and XXXX by mail regard the inaccuracies of this account. XXXX loan mark this account is reporting inaccurate please see the attached reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, Experian and XXXX This account is reporting as open and active this is inaccurate. Please delete this inaccurate account from my credit report immediately.
Product: Debt collection

I previously placed an order with XXXX, in which some items were returned. The return was processed successfully, now some time later a debt is being collected stating that I owe them money and affecting my credit. I have the original documents of when it was processed. When I now log in to the account they have modified it to show that I owe them money since the payment did not go through. That is false, payment was made and items were shipped. Something fraudulent is going on. This happened a months later after everything was completely done with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX  XXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXXXXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXXXXXX XXXX - You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaints that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

We have a company sending a demand notice she said it is not a school loan we filed a chapter XXXX bankruptcy on XX/XX/2012 I called them they will not provide any information regarding the account it is on our credit and we are trying to buy our XXXX house please help the name of the company is educational computer systems inc.
Product: Credit card or prepaid card

XX/XX/2023 To JPMCB Card Services I hereby request JPMCB card number XXXX to send confirmation letter account not mines, Find attached XXXX confirmation letter stating, XXXX has completed the investigation including contacting the furnisher of information, where applicable, a summary of the results listed below JPMCB Card services has been deleted from the credit file see attached XXXX letter
Product: Bank account or service

TCF bank paid a check of {$5000.00} from my account to unauthorized person, TCF was informed about the check since XXXX, but have refused to get the money back to me, keep telling me to wait. the last letter I received on XXXX/XXXX/16 from TCF stated the case will be resolved in 28 business day. but today when I called tcf to find out the status on the case I was told to continue to wait that TCF is not sure when the other bank the money was paid to is going to return the money. I think TCF do not care about how this is affecting me financially.
Product: Credit card

On my American Express credit card ending with XXXX, there was a credit balance ( due to refund of earlier spending ) of {$180.00}. On XX/XX/2016 ( as shown in the statement ), Amex sent me a check of the amount of {$180.00}, without my request. I deposit this check to my XXXX saving account ( ending with XXXX ) on XX/XX/2016. On XX/XX/2016, XXXX notified me that the check was returned by American Express ( Reason : Refer to maker ), and I have to contact check issuer ( American Express in this case ). There was a fine of {$12.00} due the returned check by XXXX. 
I started to contact Amex. I talked to XXXX Amex presentative and escalated to a supervisor on around XX/XX/2016 and the supervisor promised me that Amex will send me a new check after investigation. 
On XX/XX/2016, I received an Amex account online notification stating " Our investigation shows that the check was paid on XX/XX/2016 '' and I have to call Amex immediately. I called Amex again and talked to supervisor XXXX ( Amex employee # XXXX ). XXXX promised me Amex will credit {$180.00} to my credit card account as the solution within 2 days. 3 days later ( XX/XX/2016 ), instead of receiving the credit, I received second Amex online notification which is exact the same as the first notification ( the check has been paid ). I called Amex and talked to the third supervisor XXXX. XXXX promised again will issue me the credit after internal investigation within 7 days and will call me regarding the investigation result. However I did not receive any call and did not see the credit either. Instead, on XX/XX/2016 I received the XXXX Amex notification saying that the check has been paid. I talked to the XXXX Amex supervisor XXXX ( Amex employee # XXXX ) and XXXX request me to send the documents ( XXXX account activity and returned check image on XXXX ). I faxed the documents to Amex fax number XXXX. 
On XX/XX/2016, I initiated a 3-way conversation with XXXX and Amex ( My earlier request to have a XXXX way conversation was declined by Amex supervisors, as they promised it is not necessary ). This time I talked to XXXX Supervisor XXXX XXXX and Amex Supervisor XXXX ( Amex XXXX # XXXX ) at the same time. XXXX insisted the check was returned, and Amex insisted the check was paid. At the end XXXX supervisor XXXX said she opened an urgent case with XXXX ( case # XXXX ), and a special team member with call me on XX/XX/2016. Amex supervisor XXXX said he reopened previously closed case ( case # XXXX ) for further investigation and will also call me on XX/XX/2016. 
On XX/XX/2016, I did not receive phone call regarding the status from either XXXX or American Express. 
During the process I spent more than 3 hours with Amex and XXXX ( talked to XXXX Amex supervisors and XXXX XXXX Supervisor ), and still did not see any solution or even received the promised status phone calls. 
Amex case # XXXX XXXX case # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  I was alerted via email through my chase account of two credit applications under my name. Within 4 hours of these email notification I reported both as fraud as it was not my doing. 

I filed two police reports due to the businesses involved with the fraudulent activity. The case numbers are both listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Report # XXXX Phone : XXXX Both banks automatically denied the application so that no credit cards were dispersed to the offender, however, the credit application pull and process had already begun, causing my credit to be hit with two hard inquiries on the same day within a short amount of time. One was through XXXX XXXX via XXXX and XXXX XXXX. This credit pull was already removed from my account within 24 hours of me reaching out. Ive been dealing with the second credit pull, tied to XXXXXXXX XXXX  via, Transunion, involving a XXXX XXXX XXXX store. 

Can you please look into the still existing hard inquiry from XXXX with XXXXXXXX XXXX and XXXXXXXX XXXX XXXX  and have it removed from my credit report. 

Thank you so much in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax with regards to a XXXX XXXX XXXX Credit Card with a balance of {$9100.00} that was supposedly opened on XX/XX/2018 that is reporting on my credit file that does not belong to me. This account is reporting either in error or as a result of identity theft. In either case, please assist me in getting this account removed from my credit file.
Product: Credit reporting or other personal consumer reports

Pursuant to the CFPB, the definition of a consumer report is any written, oral, or other communication of any information by a consumer reporting agency that bears on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living that is used or expected to be used or collected, in whole or in part, for the purpose of serving as a factor in establishing the consumers eligibility for any of the following : XXXX credit or insurance to be used primarily for personal, family, or household purposes. 

Pursuant to the CFPB, the term consumer report does not include any of the following : XXXX. 
any report containing information solely about transactions or experiences between the consumer and the person making the report. 

EXPERIAN, XXXX & XXXX along with their subsidaires have blatantly disregarded this matter and continue to report derogatory information on my credit report such as LATE PAYMENTS and CHARGED-OFF accounts -that are transactions solely between myself the consumer and the issuer of the credit. This direct violation of the FCRA, has caused my credit score to tank/decrease more than 100 points, rendering me ineligible to apply for a mortgage and other credit related products. This matter has seriously impacted my life in a negative way, and hope to resolve this matter without seeking further legal assistance.
Product: Credit reporting or other personal consumer reports

My Information was Exposed in a Data Breach and it is reporting incorrect information. It is showing a bankruptcy, and Reporting incorrect information such as XXXX XXXX, and XXXX XXXX  XXXX. Per the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. A report with FTC was also made
Product: Vehicle loan or lease

My vehicle was deemed a total loss on XX/XX/year>. I got in contact with the selling dealership to help me with cancellation of products at the date of purchase to help me close out loan. The dealership switched my XXXX company with out me knowing. I still submitted my paperwork back in XXXX for this vehicle. My insurance sent their settlement to Infiniti Finance. Only thing we were waiting for was the cancellation of the extra products purchased at date of sale. I was giving the run around by the dealer as well as the company that endorsed my product. Eventually everything was deemed acceptable but the lender kept flagging late payments on my consumer report. I contacted them about this matter as it was not a fault of mine and they have yet to remove these remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a 5 year auto loan with XXXX. I NEVER HAD A LATE PAYMENT AND PAID MY LOAN OFF EARLY. THERE is a false claim of being 30 days delinquent on my account and no one is trying to remove this slander. The XXXX to be a trend with XXXX   having bogus things in our credit report that doesn't get removed. Definitely seems to be systemic. XXXX as well as ignorant people would claim it has to do with paying bills well if you can read. I paid vehicle off early ... and somehow was 30 days delinquent. Sounds like opppression or unfair treatment too me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX authorized a credit card for XXXX XXXX XXXX XXXX in Michigan using a fake driver 's license under my name. Upon contacting XXXX they said my information will be cleared from all credit Buearus however its been a year and XXXX has only cleared my name in XXXX and not in XXXX or experian. Charges started from XX/XX/22 where XXXX fraudulently approved a fake driver 's license under my name and gave the thief credit line of XXXX XXXX
Product: Payday loan, title loan, or personal loan

The company updated my payments to have XXXX then the company reflected that I have XXXX owing. I sent an email to have the correct department update this information immediately I still have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 {$27000.00}. I have tried calling and writing the company since i seen this reported.
Product: Debt collection

on. for 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 SPRING OAKS CAPITAL LLC Last reported XX/XX/2022 {$8900.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX XXXX  ) 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Transunion on XX/XX/2022 via U.S.P.S certified mail and they failed to address the issues addressed in the letter. I have attached the letter to this complaint along with my ID verification to prove my Identity. Please investigate to hold Transunion accountable for their reporting negliance.
Product: Credit card or prepaid card

I recently took out a personal loan, through XXXX XXXX XXXX XXXX, to consolidate Credit Card debt. This complaint is NOT against XXXX XXXX XXXX XXXX. It is solely against USAA. 

On XX/XX/XXXX, two payoff checks were sent to USAA to pay off the balances on the two credit card accounts below, as is detailed in the loan agreement attached. 

Rate Advantage Platinum Visa Account Number XXXX XXXX XXXX XXXX Signature Visa Account Number XXXX XXXX XXXX XXXX Despite repeated efforts to request USAA process the payoff and/or investigate as to where the funds were delivered and why they were not applied to pay off the balance, including the recent chat transcript attached below, USAA continued to willfully assess interest charges on both accounts ( summarized below ). 


Rate Advantage Platinum Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$61.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$130.00} Signature Visa XX/XX/XXXX, XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX - {$30.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$86.00} XX/XX/XXXX, XXXX XXXX, 2023 Late Charge Fees & Charges - {$25.00}
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. 
Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights.
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts 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. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00}