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

I have been trying to dispute innacurate account information on my credit file with equifax since XXXX 2017 provided proof of the information that need ot to be corrected letters have called numerous times to attemp to resolve it they state is fixed ive been trying to get a mortgage loan but every single time they denied mw because my scores are not reporting accurately and accounts are no being removed but are stil showing under a dispute status preventing the lender to pull accurate information and til this day already XXXX and equifax not only i was notify as been part of their fraud issue where my information was compromise not even an apology they havent been diligent in fixing this issue for me i tryed too many times cant no longer deal with them as they are very negligent i am a single mom of XXXX trying to buy a house for them and cant get pass this issue to be able to buy a home for my kids and get the opportunities i deserve because of them i decided to report them and even consider legal action agains them please help me i dont know what else to do or who to go to ive spoken to representatives supervisors and nothing seems to work once again thank you for you time and hope this resolves the issue
Product: Credit reporting

I have tried several times now to get my credit report from Equifax and they keep refusing to let me see it online. I was able to get the other XXXX, XXXX and XXXX, so I do n't understand what the problem is with Equifax. I understand I should be able to get a free report annually, which is what I am trying to do. This is not right or fair, so I would appreciate your help. 
Thank you,
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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

This letter is written to address issues with the accuracy of information in a recent credit report. A thorough examination of the report revealed several contradictions that demand further investigation. 

I am knowledgeable about the specifics of the Fair Credit Reporting Act because I practice careful consumer behavior. This law enables individuals to challenge and request changes to any inaccurate information on their credit reports. 

Due to familiarity with the Fair Trade Commission 's ( FTC ) guidelines, these errors in the credit report raise concerns. These errors are a chance for me to verify what I know about how credit reporting functions and, more importantly, how effective the laws that control it are, even though I didn't anticipate them. 

I am aware that consumers have the right to contest the veracity of their credit reports under the Fair Credit Reporting Act. The FTC is responsible for enforcing this federal law, which has safeguards to protect our interests and ensure that information about credit is presented accurately and fairly. 

I'm currently making use of this right to challenge the FCRA violations because these problems demand further investigation. Given that it improves their capacity to monitor and maintain their financial health, this law is extremely valuable to consumers. 

I'm hoping for a satisfactory and swift resolution in accordance with these regulations in light of this. Not only will prompt action be advantageous, but it will also highlight the significance and value of these consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below are suspicious to me. Please remove it as these are unauthorized. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Capital One I have late paymenyts showing on my credit report from XX/XX/XXXX to XX/XX/XXXX and this company is indeed misinforming the credit XXXX on transition its saying ive been late since XXXX and that ive paid on XXXX and on Equifax its saying that I haven't paid since XXXX this account is showing plenty of innacurate information from the date the account was opened to when it was closed none of the information is matching through all 3 credit beaurus update my account to paid on time never late and update it through all 3
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how this account is reporting on my credit report, I don't recognize the account status, I don't recognize the account high balance nor do, I recognize the late payments associated with it everything reported here does not meet the FCRA. 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate XXXX XXXX # XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I purchase a vacation package for {$19000.00} from XXXX XXXX XXXX from their saleslady XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX XXXX, Zunta Fi, AddressE : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone # ( XXXX ) XXXX was the loan lender. Zunta Fi was offering 18 months free interest, a monthly payment of {$440.00}, with an interest rate of 25 %. XXXX XXXX give me a paper stating that in a business day or two I would receive an e-mail with the lenders loan contract. I was extremely worried about not receiving a lenders loan contract and decided to cancel the vacation contract. On XXXX I called XXXX XXXX and inform her that I was cancelling the vacation contract. XXXX XXXX became extremely upset and profoundly angry. She was no longer the sweet and honest devout XXXX lady she had projected to be. She was now ruthless and extremely angry and unwilling to work with me if I insisted on cancelling their contract. I hired the law firm of XXXX XXXX and my attorney is XXXX XXXX P # ( XXXX ) XXXX. On XX/XX/XXXX I made my first payment to Zunta Fi and made all my payments on time, except the XXXX. I called Zunta Fi several times requesting my lender contract, each time they promise to e-mail me one but they never did. In XXXX I found out that Zunta Fi had withdrawn XXXX payments in XXXX, XXXX, and XX/XX/XXXX. Zunta Fi had withdrawn XXXX extra payments without my authorization .Zunta Fi return the XXXX and XXXX payment but for some reason kept the XX/XX/XXXX payment. I kept asking them to return the XXXX XXXX payment and they said they would but took their time returning it XXXX XXXX I received an e-mail from Zunta Fi that they were transferring my account to XXXX XXXX XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX XXXX XXXX.XXXX XXXX # ( XXXX ) XXXX. ON XXXX and XXXX I called Zunta FI and ask them if I could stop the transfer, they said NO. I also asked if the new company was going to honor the interest free and they said, YES. I ask them about the payments and was told I would be making the payments to XXXX and that my date might change .I requested my XXXX payment and they send it back to me. I ask for the balance and was told it was {$16000.00}. XXXX is now saying that because the XX/XX/XXXX payment was not made I loss the interest free and now interest has been applied to the loan and all this was done by Zunta FI. I got a call from XXXX who works for Zunta FI and she stated that they transferred a balance of {$16000.00} and that any other amount was done by XXXX. THE RELIEF : I am seeking is for ( 1 ) the original contract from ZUNTA FI be canceled completely and all my payments return. ( 2 ) since the XXXX payment was miss by deceiving me into not making that payment it would only be fair to allow me to make that payment and the interest that has been added remove and allowing me ten business days to transfer the balance XXXX to another lender. One that I choose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks for your help with # XX/XX/XXXXXXXX & # XXXX, XXXX XXXX and XXXX Hospital.. Experian refuses to remove this collection from my report. It was noted twice.. I have disputed this twice and Experian will no longer communicate with me.. On my recent credit report it states that XXXX  XXXX XXXX XXXX Hospital did not violate the fair credit reporting act. My understanding is they must give you 30 days to make payment. They went directly to collection without notifying me. I sent a letter of validation to XXXX XXXX XXXX XXXX Hospital They sent me a hospital bill and nothing else.. Experian continued to drop my credit score by approximately 100 points.I make my payments and am not late.Experian continues to send offers for Experian Boost for {$19.00} a month to increase my credit score.Am I the only one to see a conflict of interest? I would appreciate any help with this situation. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

COMPLAINT ID XXXX which was closed but not responded to, I provided proof that I XXXX XXXX will exercise his right to opt out as per XXXX XXXX XXXX Form of opt out notice to consumers ; opt out methods. 
( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

remove this information immediately this is a demand and you can not tell me reject or dishonor my right to opt-out as I have delivered notice to them company effective immediately.

this is also a violation of the privacy act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 

you no longer have my consent to provide this disclose any non-public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent! I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate, and as such represents a very serious error in your reporting. Ive also filed a police report and attached a FTC report as i have no idea where these inquiries came from. The FCRA also states any fraudulent information being reported on any individuals credit report must be deleted expeditiously. Please respect my wishes as Im a victim. Thank you.
Product: Debt collection

Kingston Data and Credit posted a collection on XX/XX/2024 to my credit report for the amount of XXXX XXXX I did not agree to any contracts with Kingston Data and Credit and claim they are on the behalf of XXXX XXXX. Anytime fitness claimed I owed XXXX which I attached a receipt from them as paid. On behalf of the US Code 162j it is illegal for Kingston Data and Credit to continue to harrass me and negatively affect my credit score with false amounts and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I ordered a pet car seat from XXXX ( online ) order, in XXXX. I have never received the product. The total of my order was deducted from my checking account in the amount of {$45.00}. I filed a claim with Truist and their Fraud department. They denied my claim and said that I authorized the transaction, which I did, but never received the item. I asked them to review again, and it was denied again. I went in to a Truist branch today and was told that the fraud dept. had notes that said I received the product and wasn't satisfied- which is totally false. I never received it and am out {$45.00}. I was told that there is nothing they can do for me. I have NEVER had this trouble with Suntrust or experienced this with any bank I have done business with. Truist is sub par and I am closing my accounts and changing banks. I have never in my life been treated this horribly and felt so helpless with my bank, of all business, and will never do business with Truist again. I have over $ XXXX in my savings acct and can't understand why, I'm not good for {$45.00}. This is unbelievable and I certainly thought my money was insured with this bank. I have absolutely nothing positive to say about Truist Bank. They have lost a customer that has been with them almost the entire time that I have lived in XXXX, approximately XXXX  years.
Product: Credit card or prepaid card

I opened a new American Express card with a 0 % APR through XX/XX/XXXX in XX/XX/XXXX. 

I was charged interest on my XX/XX/XXXX and XX/XX/XXXX billing statements. 

When I called in to complain, the associate informed me that 'many customers ' are experiencing this issue. 

While the associate filed a ticket, I find that it is best to be proactive in these matters.
Product: Debt collection

I ( the consumer ) XXXX XXXX have spoke with this company multiple times on recorded lines about this fraudulent account that I do not owe. The numerous times I spoke with the reps I told them to stop contacting me through all forms of communication and they clearly are ignoring me and used non stop obscene and profane language and continuously kept saying I owe this debt that they ( purchased ) from XXXX XXXXXXXX XXXX XXXXXXXX. They have sent me numerous post cards attempting to collect a debt and they have also reported this fraudulent account to the consumer reporting agencies which heavily effected my credit score. Due to the major negative impact it has retriggered my XXXX causing me to fall behind on other credit card payments and rack up multiple late payments hurting my credit report more. My XXXX is XXXX  my ability to sleep, work, and properly function in my everyday life. This collection account caused me to be away from my family, I am currently living out of my car because my spouse thinks im bad with money and our finances and seeing these letters and account on my consumer reports damaged her trust in me with our income. Lastly I have been denied numerous credit cards and auto loans because underwriters see this negative remark on my report. I am now seeking legal counsel and litigation proceedings through District Court because of the amount of irreparable damages that has been done to my life.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. 
Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. 
Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. 
I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. 

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX SSN : XXXX D.O.B : XX/XX/2024 Attn. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in the fraudulent account, I expect to see original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : ACCOUNT NUMBER COMMENTS XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX  XXXX XXXX Not my account XXXX XXXX XXXX XXXX Not my account XXXX XXXX  XXXX XXXX Not my account Please note that I have opted out in writing of your forced arbitration terms and a willingness to seek legal relief. I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, To whom it may concern, This account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this neglect in assuring everything in my report is accurate, consistent and up to date please DELETE this item immediately. 
Account : XXXX XXXX ( XXXX ) Please delete this account immediately and please mail the updated changes when deletions are made.
Product: Credit card

Purchased Windows to be fabricated and installed by XXXX XXXX. XX/XX/XXXX the team was at my house to start the install. During the install it was obvious that what was fabricated was not what I had ordered. Every window had an extra 1.5 inch frame which reduced the glass by at least 3 inches. Some windows were fabricated with a different grid pattern, some were way to large to be installed, all were far too small and required at least 2 inches of caulk to fill the gap. All of the windows facing the XXXX leaked when it rained. What did get installed, they installed over the rotted wood. Every window was fabricated with the grid being XXXX inches from the side, which caused the XXXX inch windows to look like jail cells. My kitchen window was so bad they weren't even in disagreement. My foyer had XXXX windows of which I had a picture window fabricated. They left the frame which had grooves on the top and the bottom of the window, where the T was. They expected me to patch it with paste, and stain it, with the understanding it is in a foyer on the second floor. After 7 months of them coming out to my house, they still had no solution. I instructed them to cancel the install, process a refund and I would purchase from another company. XX/XX/XXXX I requested XXXX XXXX be at my home to remove the partially installed windows the same day the new company would be installing. XXXX reps from XXXX XXXX came to my home XXXX weeks later to pick up the windows and I instructed them that I had left the rotted frames on all of the windows to show management. XXXX XXXX has refused to process a refund to this date.