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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  consumer report on the date of that inaccurate negative account. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according too 15 USC 1681 ( a ) ( 4 ). 
I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 
Wanted to say keep sending good vibes bro ano 1 am giving Your company the opportunity to make this matter right by heightsestatescare.org way of the following : Respect by XXXX XXXX REMOVE ACCOUNTS LATE PAYMENTS Help me REMOVE INQUIRIES They also said it was accurate it wasnt cause I paid the balance and it still affected my credit.
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, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX was used to deplete my checking account with b of a bank
Product: Debt collection

I requested on multiple occasions for this collection agency NCA to send me a debt validation letter/proof, the original contract or agreement that I signed stating I was doing business with them. I also requested for them to remove this debt, roughly 4 different times already. I also advised them that this was against the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 and 15 USC 6802 ( B ) ( 1 ). The dates listed below are the days I requested this information, but was denied without proof. XX/XX/XXXX, dispute # XXXX, XX/XX/XXXX, dispute # XXXX, XX/XX/XXXX, dispute # XXXX, and XX/XX/XXXX, dispute # XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. 

Background On [ XXXX/XXXX/2024 ], the following information was removed from my credit report : Creditor 's Name : XXXX Account Number : [ XXXX ] Date of Deletion : [ XX/XX/XXXX/2024 ] Recently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : Written notification to the consumer within XXXX business days of the reinsertion. 
Certification from the information provider indicating that the information is complete and accurate. 
In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA. 

Request for Immediate Action I kindly request that you : Immediately remove the reinserted information from my credit report. 
Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures. 
Take necessary measures to prevent future improper reinsertions. 
Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly addressed. 

TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection
Product: Mortgage

Nationstar has said that I need to use one of their mortgage appraisers to appraise my property. I do not understand why I can not use one of my own licensed and bonded appraisers in the area who will do just as a good a job and who will give a fair appraisal of the property. 

I have repeatedly asked for the authority from Nationstar that REQUIRES me to use one of their appraisers yet they refuse to answer the question. Again, I want to know what their authority is and I want them to send it to me. 

XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern.
I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XX/XX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to Equifax on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XX/XX/XXXX) & XXXX on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( XXXX  tracking : XXXXXXXX XXXX tracking : XXXX, Equifax:XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on XXXX XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, 15 USC 1681a definitions state : rules of construction ( 2 ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. XXXX is reporting late payments on several accounts : XXXX 's XXXX XXXX XXXX loans and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report un the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave XXXX written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to 15 USC 1681 602 congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states 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 method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Got automated messages on my place of employment and cellphone from XXXX about 2 collections that are against me, was given a reference number and to call XXXX. I called back and spoke to XXXX XXXX from XXXX XXXX that there is one account from 2006 that owes {$560.00} from HSBC, I do not recall that account. But they told my current address, which I have gotten no written notification about this account. Told her to provide written proof, was told her job was to communicate the information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : XXXX CREDIT is  refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE ALLY AUTO FINANCE THAT IS FALSELY REPORTING DELINQUENCIES ON ALLY AUTO FINANCE ACCOUNT IN ERROR. I DO NOT OWE ALLY AUTO FINANCE {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO ALLY AUTO ACCOUNT, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-ALLY AUTO BANK ACCOUNT. 

MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND ALLY BANK ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-ally bank ). 

I DO NOT OWE ally auto finance {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). 

Ally bank AND ally auto finance is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO ALLY AUTO FINANCE ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY XXXX CREDIT SCORE. Please have ally auto finance remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX-Tuesday, XXXX is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, ALLY AUTO FINANCE HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Debt collection

I have fully paid the provider of the service, XXXX. XXXX should contact XXXX, their partner, to resolve this issue. I can not pay twice for the same service
Product: Credit reporting

I have contact XXXX to remove my charge off due to mistakes. They agree to remove the charge from my account but then Equifax reinstate the charge off to my account.
Product: Payday loan, title loan, or personal loan

I am stuck in a sub prime loan ( victim of unfair business practices ) with super high interest rate 38 % since XX/XX/2020. I have not been able to refinance or even a get a lower rate. The monthly payment is {$430.00} and the balance has not moved. I have reached to the company/website may time.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 
Please delete the following accounts : 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 OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is SELF EMPLOYED This is my only number XXXX All other telephone numbers are not accurate
Product: Debt collection

I had a car accident where a women run me over, i used to have an attorney And he Did a deal with the hospital that I had to pay XXXX  {$4000.00} for the entire bill because the total amount was around XXXX {$470.00}. I have the letter from XXXX and the insurance that they did paid, the accident was on XX/XX/XXXX, and I was in ther from XXXX XXXX to XXXX
Product: Credit reporting or other personal consumer reports

This issue is regarding the reporting of student loans on my credit report because they are a clear violation of my rights under 20 USC 1232g - the Family Educational Rights and Privacy Act ( FERPA ) and the provisions of the Privacy Act of 1974. I believe that my request for removal of these student loans from my credit report aligns with my rights as per 20 USC 1232g, which states in part, " No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing education records ( or personally identifiable information contained therein, other than directory information, as defined in paragraph ( 5 ) ) of students without the written consent of their parents to any individual, agency, or organization. '' Furthermore, Section 7 of the Privacy Act of 1974 provides individuals with the right to access their records and request amendments if they believe that the data is inaccurate, irrelevant, untimely, or incomplete. Specifically, it states that, " Each agency that maintains a system of records shall ... maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to ensure fairness to the individual in the determination. '' As a federally protected consumer, I have the right to have the correct information reported accurately on my report and XXXX, Equifax, and XXXX ; by way of XXXX and the Department of Education, have been misusing my credit file by reporting my student loans, without my expressed written consent. So per the FCRA and 15 USC 6802e ( 2 ), because they do not have my consent, I am opting out of them reporting student loan information on my credit report, effective immediately.
Product: Debt collection

I purchased a gym membership for XXXX XXXX in XXXX on their website. I payed a higher monthly cost to avoid being locked into a contract for a set amount of time. After about XXXX months I canceled my membership on the same website that I purchased my membership from. XXXX XXXX charged me again after cancelling so I resorted to deactivating my debit card. About XXXX months later I noticed the collection on my credit report. After contacting XXXX XXXX  I was given the phone number of First Credit Services. I called and was told that I owe them {$79.00} and if it was not payed in XXXX days they would take additional action. I was also told that the amount was more but I made a payment which I never did since I didn't even know there was a collection. I was also told if I payed immediately that it would take XXXX to XXXX business days for the collection to not affect my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent a letter regarding inaccuracurate and unknown things on my credit report to this day over 60 days later I have bit received a response yet. I feel like Im being taken advantage of the and being ignored of my disputes. Section 611 ( a ) its plainly stated that a failure to investigate these items within 30 days gives a reason for immediate removal of those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by theXX/XX/XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

THIS IS A SCAM FOR THESE BIG COMPANIES TO PRESSURE ME TO PAY A DEBT I DO NOT OWE!!! 
I HAD XXXX XXXX XXXX AND I CANCELLED SERVICE WITH XXXX AND TURNED IN ALL INTERNET EQUIPMENT. I WENT TO XXXX EVERYTHING WENT SMOOTHLY. I CANCELLED WITH XXXX XXXX TURNED IN ALL EQUIPMENT AND WENT BACK TO XXXX WHERE I AM CURRENTLY. IF I WAS IN THE NEGATIVE, I WOULD NOT BEEN ABLE TO RETURN WITH XXXX AGAIN FOR APPROX. 1.5 YRS NOW ACTIVE AND CURRENT. 
NOW CREDIT CONTROL IS CONSTANTLY DEMANDING I PAY. WHAT I OWE XXXX NOTHING AS I HAVE SPOKE WITH XXXX MANY TIMES PLUS RECEIVING A COUPLE OF GIFT CARDS FROM THEM. WHAT A SCAM.