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

TO WHOM THIS MAY CONCERN : I have been informed that I have negative information reported by XXXX XXXX XXXX XXXX in the file you maintain under my social security number. Upon ordering a copy of my credit report I see an entry from this court listing filed on XX/XX/XXXX. LEXISNEXIS is the data furnisher to XXXX who is reporting this bankruptcy on my credit report. Yet you are providing inaccurate information to XXXX and violating my consumer rights. The case number/Reference number you have on file is inaccurate and the date paid. How would you know the date I paid or the amount I paid? My privacy rights are being violated and you have no right to disclose my transactional history. Please validate this information with the court and provide me with copies of my documentation associated with this account granting you authorization to report this information, bearing my signature. I formally request that you that this information be immediately DELETED from the credit file you maintain under my social security number. I have attached the case summary AND the transaction receipt as of XX/XX/XXXX. The bankruptcy court name is inaccurate DELETE THE BANKRUPTCY FROM YOUR RECORDS. IT IS AN ERRONEOUS ERROR ON YOUR PART AND I DEMAND A DELETION. You are reporting inaccurate information of a bankruptcy to XXXX. I am requesting that you DELETE this from my consumer profile at LEXISNEXIS. You are violating several of my consumer rights. 

Firstly, you are violating my rights to my privacy LEXISNEXIS violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. Code 6802 - Obligations with respect to disclosures of personal information. 15 U.S. Code1681n ( 1 ) A - ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. YOU DO NOT HAVE MY PERMISSION TO HOUSE ANY OF MY INFORMATION AND SHARE IT. YOU ARE REPORTING INACCURATE INFORMATION AND I DEMAND YOU DELETE THIS INFORMATION from your records ASAP! XXXX is a data furnisher of bankruptcy information for XXXX and the information you have is inaccurate and I DEMAND A DELETION OF MY CONSUMER REPORT FROM YOUR RECORDS OR I WILL TAKE LEGAL ACTION. I have also attached my XXXX reporting and my case summary of the bankruptcy. Totally inaccurate and erroneous information being reported. The case number is wrong. DELETE DELETE DELETE! 

Sincerely, XXXX XXXX last four of SS # : XXXX XXXX : XX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX opened up a unwanted credit card with an address I dont live at. I dont own the XXXX  anymore as I gave it back and that account was also with the wrong address. How is this right? I want everyone dropped. This is pretty much showing someone else. I dont even stay at the address they have.
Product: Credit reporting or other personal consumer reports

Equifax consumer reporting agency This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to grant a third parties access to my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By letting a third party XXXX XXXXXXXX obtain my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with XXXX XXXX
Product: Debt collection

I have home equity with pen fed I have noticed that interest rate has going Down well over four months ago and I am ben charge 5 % for my loan I have call the Company two month ago n a month ago I was told interest rate will go down back every three months so I was told my rate will go down this month XXXX and now is XXXX I am still getting the statement The rate 5 % Can you help I think this Company is very Misleading the public
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on bankruptcy that is being reported by Experian has information in it that is not correct. The account information including the court and judge name does not appear on this report as well as key information regarding the correct filing and procedures of this report. The address of the court reporting this bankruptcy is missing and is inaccurate and can not be properly verified as valid in XXXX county. The actual filing shows a date in XXXX but also shows a date in XXXX. Both dates can not both be accurate but only one date so this information is also incorrect information that is reporting under my name and has done irreparable damage to my report.
Product: Student loan

I have recently inquired that there has been an offset on my IRS tax return from the US Department of Education and lender XXXX XXXX. The offset was in the amount of XXXX and was taken over a decade ago back on XX/XX/XXXX I have confirmed the dates and amount with IRS, The Bureau of Fiscal Services, and the Treasury Offset Program. However, this amount has not been subtracted from my actual loans.On XX/XX/XXXX I have made at least 10 phone calls to different departments and agencies to help resolve my issue and continue to receive more contact numbers that go to voicemail recordings.Or I am refered back to a non existent loan carrier/ lender. Can someone please help me get this resolved as I really want to fix my credit score most important.thank you
Product: Checking or savings account

PNC closed my accounts after 10 years and has not offered any reason. They did not notify me. I found out when my card was declined when I was attempting to fill my car with gas on XX/XX/2023. When I called the PNC costumer service line, I was told there was nothing they could do to help me, they could not give any information, and my money was in a check in the mail. They stated PNC can choose who they want to bank with and they " choose not to bank with you ''. When I went to the bank they told me there was nothing they could do to help me, the check was mailed on XX/XX/2023 and they could not tell me why this happened. No information provided. It wasn't until I posted about the experience on social media that anyone reached out to me. At this point, they have told me there is a letter in the mail explaining everything, however, I have not received this letter so I have nothing to upload at this time. They reached out to me on XX/XX/2023 because of my XXXX posts and I requested they overnight the check. They said they would be in contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/year> Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries 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 XXXXXX/XX/year> Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, AND XXXX have protected an entity called COURT. No address no other information to identify who is doing inquiries on my credit report as much as they did. The reason Fico, XXXX, Equifax and XXXX protects this company is to intentionally reduce a persons credit score and credit rating. Im atttaching all XXXX provides who this is.
Product: Debt collection

Entered into a loan modification earlier this year with Ocwen. I discovered on XXXX/XXXX/2017 that XXXX XXXX XXXX XXXX is listed as the servicer of our loan with XXXX XXXX. Ocwen also claims to be the servicer on our loan per the modification documents we signed. Since we signed a loan modification with Ocwen that states that Ocwen is the servicer, buXXXX XXXX XXXX XXXX XXXX is being reported as the servicer on the same loan, Ocwen made false representations and statements to us that Ocwen was the servicer of our loan when Ocwen is not the servicer of the loan per the records of XXXX XXXX.
Product: Credit card or prepaid card

I wanted to make a payment on my due date of XX/XX/XXXX with my boyfriends checking account and had him with me to verify himself via phone. Many other big credit card companies like XXXX, XXXX XXXX, and XXXX do this. HSBC would not. I spoke with A XXXX XXXX  at this time who is a Manager at HSBC explaining I had an issue with my bank and that's why my normal bill pay I could not use. She explained to me as soon as they received the payment she would waive the reversal fee for the inconvenience. On XX/XX/XXXX HSBC called my cell phone that I did not consent for them to call 6 times from XXXX XXXX.- XXXX XXXX. on the XXXX they had called 2 times. I spoke with a Supervisor XXXX at XXXX XXXX on XX/XX/XXXX whom I then told I had sent the payment of {$25.00} thru my banking and they would receive it on or before the XXXX. I told her of XXXX the manager I spoke with and XXXX being a Supervisor had no idea who that was ( she claimed XXXX. XXXX went on to say that XXXX was wrong HSBC would take a {$52.00} payment from me today and I could have my boyfriend verified. I also told her that what they did was harassment and that they were not to call my cell phone. Supervisor XXXX explained to me that I was incorrect it is not in fact harassment and that if I do not comply with allowing HSBC to contact me thru my cell phone that they would in fact have no way to send me any information if I ever have fraudulent activity take place. I rebutted HSBC can contact me via email/mail and she further instructed me they do not do so. She also corrected me that HSBC did not violate my rights abusing the TCPA. I know PACER lists over XXXX lawsuits filed against HSBC in the United States. I would like to know if based on the information I have provided that HSBC violated the TCPA rules and regulations. I have my cell phone records as proof of the phone calls HSBC made relentlessly, to prove my claim. Both conversations I had with XXXX XXXX and Supervisor XXXX were also recorded and monitored for quality assurance purposes.
Product: Credit card or prepaid card

I respectfully urge you to update my account with the accurate information as soon as possible.
Product: Debt collection

DISCOVER BANK Contact XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report regarding late payments reported under account number [ Account Number ]. This dispute is filed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and addresses the responsibilities of furnishers of information under 15 U.S.C. 1681s-2. Additionally, it considers the protections afforded to consumers under the COVID-19 relief provisions as outlined in the National Emergencies Act, 50 U.S.C. 1601. 

Details of the Dispute : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date ( s ) of Reported Late Payment ( s ) : XXXX XXXX, XXXX, XXXX, XXXX Upon reviewing my credit report, I identified late payments reported for the above account that are inaccurate. During the COVID-19 pandemic, specific relief measures and protections were enacted, including provisions that impacted the reporting of late payments. Under these provisions, furnishers were required to report accounts in a manner that did not negatively impact consumers ' credit scores if the consumer was in good standing before the pandemic. 

Relevant Provisions : FCRA Responsibilities : Under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate and complete information to consumer reporting agencies. The reported late payments appear to violate this requirement. 

COVID-19 Relief Protections : According to the COVID-19 relief measures, including the CARES Act and other relevant provisions, furnishers were not supposed to report negative information, such as late payments, for accounts that were current before the pandemic. Reporting such late payments during this period is not compliant with these protections and constitutes an inaccurate representation of my credit history. 

Rules of Construction : Under 15 U.S.C. 1681a, the rules of construction indicate that provisions within the FCRA are to be interpreted to ensure consumer protection and accurate reporting. This interpretation supports the need for correcting any inaccuracies related to the reported late payments during the COVID-19 relief period. 

Request for Action : Investigation : Please initiate a thorough investigation into the accuracy of the reported late payments. 
Correction : If the investigation confirms that the reported late payments are inaccurate, update or remove these entries from my credit report. 
Confirmation : Provide me with written confirmation of the findings and an updated copy of my credit report reflecting any corrections made. 
Per 15 U.S.C. 1681i, I request that this investigation be completed within 30 days of receipt of this letter, and that you provide a revised credit report upon completion. 

Enclosures : A copy of my credit report with the disputed information highlighted Should you need any further information please contact me at or [ Your Email Address ]. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Per 15 U.S.C 1681e 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 relates12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity.B - Furnish information about accounts or other relationships with a consumer that is accurate.C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately! 
I have attached documentation verifying my identity my address and the account in question.
Product: Checking or savings account

XX/XX/XXXX, Opened XXXX  checking account and was listed as a co-owner through Charter Bank. 

XX/XX/XXXX The reserve line of credit was approved on XX/XX/XXXX with borrower # 1, through US Bank. 

I did not complete an application for a reserve line of credit through US Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report, I notice a major decrease along with an added collections account. I am in the process of purchasing a home and noticed this mistake on my report. I have never heard of this company and have never had a contract with this company! 

I had a major XXXX XXXX and this has ruined my home buying process. I will be getting my legal team involved in this matter. Please investigate and remove from my report immediately! 

Collections : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint Regarding Fraud, Privacy Violations, and Non-Compliance To Whom It May Concern, I am writing to formally address serious concerns regarding XXXX  handling of my personal information, violations of privacy, and apparent failure to comply with federal and state data protection laws. As a consumer whose data you collect, store, and process, I am deeply concerned about the security, accuracy, and integrity of my personal information. 

Details of the Issue Fraudulent Activity : I have recently discovered unauthorized activity that appears linked to a breach of my personal data. I believe this issue may stem from XXXX inability to adequately protect sensitive consumer information, as evidenced by the 2017 data breach and any subsequent vulnerabilities. 

Privacy Violations : XXXX has a legal and ethical obligation to safeguard my personal data under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Your failure to implement robust data protection measures has resulted in an erosion of trust and a direct violation of my privacy rights. 

Non-Compliance with Data Protection Standards : Federal and state regulations require timely notification of breaches, accuracy of credit reports, and adherence to security best practices. Based on my experience, XXXX has not fulfilled these obligations, resulting in harm to consumers like me. 

Request for Resolution To address this matter, I respectfully request that XXXX : Conduct a thorough investigation into the fraudulent activity associated with my information and provide me with a detailed report of your findings. 

Correct any inaccuracies in my credit report resulting from the unauthorized activity. 

Implement stronger safeguards to ensure the confidentiality, integrity, and availability of consumer data. 

Provide me with a formal response within 30 days detailing the actions taken to resolve my concerns. 

Offer free credit monitoring and identity theft protection services for a minimum of two years to mitigate the potential long-term effects of this issue. 

Legal Obligations XXXX  actionsor lack thereofmay constitute violations of the following : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Ensures the accuracy, fairness, and privacy of consumer information. 

State Data Protection Laws : Including but not limited to breach notification statutes.

Failure to address my concerns promptly may result in my filing a formal complaint with the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) or initiating legal action to protect my rights. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Please direct your response to the contact information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, By : XXXX XXXX XXXX, Beneficiary/Agent-ARR, without prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.