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

I am filing this complaint against XXXX XXXX XXXX and Experian for violations of my privacy rights under the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1681. Despite my explicit opt-out request submitted to XXXX, XXXX on XX/XX/XXXX, both companies have continued to report and share my nonpublic personal information without my authorization. 


Privacy Act of 1974 : XXXX, XXXX and Experian are in violation of my rights under the Privacy Act of 1974 by disclosing my personal information without my consent. 
Fair Credit Reporting Act ( FCRA ) : As stipulated by 15 U.S. Code 1681, consumer reporting agencies must ensure the accuracy and privacy of information reported. XXXX XXXX XXXX has reported my information to Experian without my explicit consent, resulting in unauthorized and inaccurate reporting on my credit report. 
Opt-Out Request : On XX/XX/XXXX, I submitted an opt-out request to XXXX, XXXX, as per 15 U.S. Code 6802, requesting that my nonpublic personal information not be shared with any nonaffiliated third parties. XXXX XXXX XXXX has failed to honor this request, and Experian has continued to include this unauthorized information in my credit report. 

The unauthorized reporting of my personal information has caused significant harm, including potential damage to my creditworthiness and financial reputation. The continued violation of my privacy rights is distressing and unacceptable. 


I demand that the CFPB take the following actions : Require XXXX, XXXX and Experian to immediately cease the unauthorized sharing of my personal information and remove any such unauthorized information from my consumer report. 

Provide written confirmation that my opt-out request has been honored and that the unauthorized information has been removed from my credit report. 
Compensation : Compensate me {$1000.00} for each violation of my privacy rights as per the statutory damages under the FCRA.
Product: Debt collection

I noticed inaccuracies being reported to XXXX and XXXX credit bureaus by XXXX XXXX XXXX, I for services provided XXXX XXXX XXXX XXXX and XXXX XXXX. I 've never had any Services provided by this XXXX that was n't paid for. Therefore I disputed the information back in XXXX when the error occurred and it was removed from all credit reporting agencies however now I noticed that it reappeared on XXXX and XXXX only. Therefore once again I disputed the charges with the credit bureaus on XX/XX/XXXXand sent the collection agency a letter asking them to verify the debt or remove it from my credit reports. Unfortunately there 's been no action done to verify the debt or being remove from my credit report. My credit report shows remarks that debt is being disputed however it has went away. Therefore onXX/XX/XXXX I tried calling XXXX XXXX XXXX, I to provide my contact information and request a copy of the bill I was being charged for. The representative that answered the phone was extremely rude and very disrespectful to me accusing me of not paying my bills and he started yelling over the phone. I was asking him to send a statement with a summary and description of balances owed. Representative who answered ask me very rudely " What are you going to do with the information '' " Are you going to pay the bill he ask ''. I just repeated my original request and ask for a copy to be sent and that when he lost control and demanded that he 's not sending a bill and he 'll provide me with the information to pay the bill and over the phone. I hung up the phone because I did n't think I deserve to be treated like this for trying to solve a problem that 's already impacting my credit report. I feel something 's not right because he did n't try to call me back however they also never corrected my credit report. Please assist because they only thing I 'm trying to do is clear things up however I have absolutely no records showing that I ever had Services provided that I did n't pay or co signed for anyone else 's Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Marriott credit card via JPMC. They pulled my credit report on XX/XX/XXXX. 
I then received a letter from JPMC on XX/XX/XXXX dated XX/XX/XXXX, requesting me to contact them regarding the application ( see attached ) with only " Action Needed. '' I then contacted JPMC upon receipt on XX/XX/XXXX and while going through 2 specialists and numerous security checks that included issues with their systems not being able to text codes, and inputting my social security number, I was then told that there was a discrepancy between the online application SS # and the one on my credit report, could I verify which was correct. There was a typo on the online application. I was then told to hold while they reviewed the application. At no time, was I informed that an additional credit report would be pulled as part of that review nor did I believe they would need to as the credit report on XX/XX/XXXX was the correct SS # and valid up to date information. 
As soon as I hung up with JPMC, I began to receive alerts from the credit reporting bureaus notifying me that a credit report had yet been pulled again by JPMC and because it was within 5 days, my credit score had decreased by 10 points due to this action. I was alarmed and upset as when speaking with the " specialist '' no one provided me the indication that another credit report would be pulled. I understand the consequences/adverse effects this causes to one 's credit rating and if I had the opportunity to say " No thank you '' because the risk is greater than the reward, I would have walked away. 
I then began to escalate this matter through the customer resolution team on XX/XX/XXXX and requested to speak with a manager that called me back on XX/XX/XXXX. While she understood my position, she let me know there was nothing JPMC did wrong, they appreciate and would take my feedback to management and feel free to log a complaint. This is not good business and it is sneaky at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries on my report that I do not recognize nor did I authorize. Under section 604 of the credit reporting act you must provide my written authorization for these inquiries which Ive disputed these several times and yet I have gotten nothing off. You guys claim that you have to keep them on my file because theyre a accurate record of companies accessing my credit profile yet that doesnt mean I authorized them to do so. The inquires that are unauthorized were XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.  Ive contacted the above companies regarding the verification of authorization or record of it and they were not able to provide me that information so now Im needing you the credit bureau to now fo your due diligence.
Product: Student loan

In XX/XX/year>, I mailed a signed rejection letter to Launch Servicing regarding my payment agreement under the XXXX XXXX settlement. I was told by their representatives that I did not need to make any payments while this issue was being reviewed. Despite multiple follow-up calls over the past XXXX months, the rejection letter has not been reviewed or assigned for resolution. As a result, my account is now reporting late payments to credit agencies, which is damaging my credit score. I have repeatedly requested updates, but each time I am asked to wait with no clear timeline for resolution. This delay has caused financial harm, and I am seeking immediate action to stop negative credit reporting and resolve this matter promptly.
Product: Credit reporting or other personal consumer reports

I have disputed this account before with credit agencies. This account with XXXX has caused me so many denials and more and even unfair treatment. I have disputed this account with Experian over 7 times and they verified it each time. I even requested information on the dispute never sent. Asked them to reinvestigate it and I Called and they stated that it would be done by XX/XX/XXXX it was completed XX/XX/XXXX. BEFORE that it was disputed on XX/XX/XXXX came back as verified less than XXXX. Then was disputed again on XX/XX/XXXX and I called XX/XX/XXXX and the representative had an attitude saying it was going to come back verified because they don't see anything wrong. BELOW I WILL ATTACH WHAT I SENT TO EXPERIAN MULTIPLE TIMES ( CAME BACK VERIFIED ) THE INACCURACIES, THE LETTERS I UPLOADED REQUESTING REMOVAL AND ALL THEY DID WAS MODIFY AN UPDATE INACCURATE INFORMATION. I applied for an auto loan and it denied because of a recent XXXX OFF " I did not have any recent charge offs at all XXXX XXXX reporting I charged off XXXX XXXX when I did not! THATS VERY MISLEADING. I asked for this information to be removed NUMEROUS TIMES. As of today the information reporting is still wrong and misleading! Experian Needs to send me the step by step information on how they investigated this account! So they can pay me for the inaccuracies Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Per FCRA 15 USC 1681i ( 5 ) -If, 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 ... Which they have not. THEY ARE FAILING TO COMPLY WITH THE FCRA LAWS THESE ACCOUNTS NEED TO BE REMOVED THEY ARE NOT SHOWING ACCURATE ON ANY CREDIT REPORTING FOR XXXX, XXXX AND EXPERIAN ARE ALL REPORTING DIFFERENT AND WRONG. I have discussed this with the creditors already and they site they are not responsible for how the credit reporting agencies report! Also failure to comply with the fcra laws -f any credit reporting agency or furnisher willfully fails to comply with the terms of the FCRA, it is liable to the consumer for actual damages or statutory damages between {$100.00} and {$1000.00}, punitive damages, and the consumers reasonable attorneys fees and costs. 
Below I attached my letter I sent them explaining the wrong reporting/ inaccuracy, im attaching the verified statements they investigated and reinvestigated and still wrong. Also attaching the other XXXX reporting agencies that are reporting the XXXX account that not even being reported the same and XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of a  hundred and twenty  days
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity services pulled my credit report hard inquiry never contacted nor have I requested loans or credit cards in the past year. The also did my Fiance as well. Several times.
Product: Credit card

Discover card has charged me several fees on my consumer credit account. Discover intentionally delays the withdrawal of payment which then causes the payment not to fully process and they have charged me several fees. Discover also closed the account without any notice but continues to use the application as a receivable to raise capital gains for investors. I have read their prospectus and sec filings which outlines their business practices and Discover is engaged in fraud by using consumer accounts as pooled assets to which they use to fund their business and pay their investors. Discover did not disclose this information prior to our business relationship and they have also reported this account as delinquent when a consumer account can not be reported as such. Discover also had a duty to reset this balance monthly as it should be open ended per the standards of federal law.
Product: Credit reporting or other personal consumer reports

In XX/XX/2022 i made a {$5.00} charge. The XXXX credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. XXXX service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day XXXX  denies automatic payments were set up or offered. However, XXXX sent an apology letter admitting the service was offered, I did set it up, and XXXX service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 7 years.
Product: Debt or credit management

Regarding the above-referenced account, which you claim I owe. I am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay, but a request for clarification and proof that I am indeed liable for this debt.

Please provide the following information : Proof that the debt is valid and that I am legally obligated to pay it.

Details of the original creditor, including the name and address. 
A copy of any judgment if applicable. 
The exact amount of the debt, including a breakdown of the principal, interest, and any fees. 
Proof that you are licensed to collect debts in my state, if applicable. 
Under federal law, you are required to provide this information within 30 days of receipt of this letter. Until the debt has been validated, you must cease all collection efforts, including reporting this debt to credit reporting agencies. 

Thank you for your cooperation in this matter. Please respond in writing at your earliest convenience.
Product: Credit card

I had a membership with XXXX, which used XXXX XXXX as its credit card provider. XXXX changed its credit card to Citicard and start- ed sending me notices to change cards. Citicard, meanwhile, inundated me with application forms. I decided not to renew my membership with XXXX. Citicard, without my permission or contract, created an account in my name after almost a year lapse and had the audacity to charge me for for who knows what plus interest, penalties and fees. Citicard and XXXX act like they can not understand my objection. It is simple : I do n't want the account Citicard, I did n't agree to it and I want it expunged. 
does not know what what I am talking about
Product: Mortgage

In XX/XX/XXXX, I was not able to make a payment due to being placed on FMLA at my job and receiving late pay from my employer. On XX/XX/XXXX the area I presently reside in was hit by hurricane Harvey and I was told by my mortgage company Round Point Mortgage not worry because they could place mortgage payments in suspension for 3 months due to the area I live was declared a disaster area by my state. I was told by Round Point to start making payments again in XX/XX/XXXX. They also stated that I would receive a borrower assistance package in the mail in XX/XX/XXXX. When XX/XX/XXXX came. My mortgage company raised my payment by XXXX dollars and they stated this was due to not having insurance in XX/XX/XXXX. Round Point stated that if I could prove that I had insurance in XX/XX/XXXX they would credit the difference back to my account. I sent in proof from my insurance carrier and was never given a response. I have been paying XXXX dollars more over the past 6 months. So this should mean that I am only 4 months behind. I recently requested to be sent a statement showing the amount I am behind. The statement I received shows that I am five months behind and is not correct. Also it states that none of the payments I have made including a double payment in XX/XX/XXXX have been credited to my escrow account also it states that after I pay the amount requested my payment will still be XXXX dollars which is also incorrect this legalized robbery. I also want to mention that at no time during this period did XXXX XXXX XXXX XXXX ever state that late charges would be placed on my account and they also have been charging late fees.
Product: Checking or savings account

My bank chase denied my dispute, when i provided them evidence for the dispute, they did no care about looking into my problem, they just dont care. 

Im disputing a transaction for the amount of XXXX, a company did work on my car and put incorrect parts on my car not as descrived, i contacted chase to open a dispute and they dont care. Claim number XXXX
Product: Credit reporting or other personal consumer reports

Toyota motor credit fraudulent activity with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nj XXXX ( XXXX ) XXXX. I didnt authorize XXXX XXXX salesperson to use my stolen NJ drivers license XXXX and my stolen SSA number XXXX in any contract inside the dealership. XXXX XXXX XXXX had stolen my drivers license in XX/XX/XXXX. I didnt have any physical drivers license in my possession to obtain any car or a job in XXXX. How can I get a car without a driver license? XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX is whom I went in person to report XXXX XXXX XXXX to in XXXX. Also FBI XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX was made aware in person in XXXX. They are outside and has this XXXX XXXX wiretapped since XXXX this second XX/XX/XXXX at XXXX am. ( XXXX ) XXXX contact them about XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX or XXXX XXXX police dept XXXX XXXX XXXX or XXXX XXXX, XXXX has this case contact XXXX XXXX XXXX, XXXX XXXX, Nj XXXX ( XXXX ) XXXX. I was told she has my drivers license in her possession since XXXX XXXX XX/XX/XXXX, per the FBI office XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account XXXX Please send me the proof that I neglect paying this account for XXXX year XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX Reported dates, payment status, and history are reported inaccurately. Please provide me with the original papers to prove that this is accurate. 

XXXX - Account XXXX Can you provide me with the original papers to prove that this account is accurate? If you can't prove this, please DELETE ASAP. 

XXXX XXXX XXXX - Account XXXX Please provide me with the pieces of evidence that this account is accurate. You're the only bureau reporting this account like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have received a response from Transunion. On XX/XX/XXXX I have sent a letter regarding on the ability to opt out of multiple accounts on my consumer report. Transunion is being deceptive and changing the topic on a letter I have hand wrote. I have hand wrote it because I know an automated system could not detect my handwriting, so only a natural person can read and understand on my statements. Transunion has sent me a identity theft by mail in which they are being false, misleading, and deceptive because they are the person who sent my personal information to third party affiliations without my permission which is identity theft. This is a violation of permissible purposes of the fair credit reporting act and a violation of 15usc6802. I stated in 15usc6802 ( b ) ( A ) ( B ) ( C ) I have not received any explanation on how I can exercise the nondisclosure option. Attached to this response is my handwritten letter and Transunions response. I want to opt out of the XXXX XXXX accounts from consumer report.
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate information on my Equifax credit report. Despite my previous contact with Equifax on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : XXXXL XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$53.00} The XXXX XXXXXXXX account listed on my Equifax credit report was never late. I kindly request Equifax to correct and update this inaccurate information accordingly. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$7400.00} The XXXX XXXX  account listed on my Equifax credit report incorrectly indicates a late payment. I request Equifax to remove the late payment designation from this account.