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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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
Product: Vehicle loan or lease

advertise that I was pre-approved and I was going to get approved and then denied me of the account / securities I feel like I'm being discriminated against
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just pulled my credit report and noticed 6 Delinquent Closed collections from XXXX. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are involved with this debt, and there is/was some contractual obligation which is binding on me to pay this debt. I have sent validation request letters to all 3 credit bureaus ( XXXX, TransUnion, and XXXX ) via certified mail. 

Letter of sale or assignment from the original creditor to another company is reflected on my credit reports, however the balance amounts, origination dates, and payment delinquencies are not matching with the 3 major credit bureaus ( XXXX, XXXX or TransUnion ). 

Although this account reads closed/ sold, it is unacceptable for this to remain on my credit report, as this reflects negatively on my credit rating. I have no proof this account is mine. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. Why are pursuing collection activity on a paid account in the first place? This is definitely harassment and is a violation of the FDCPA under 15 USC 1962e : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to the debt. It should be read Paid as Agreed/ Closed or be completely REMOVED from my consumer reports.

Invalidated information from any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) on my credit report may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by XXXX or any representative is a violation of consumer rights. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX 'S XXXX
Product: Consumer Loan

I challenge the adverse account designation of HSBC AUTO FINANCE on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by HSBC. HSBC violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but HSBC transferred the account to XXXX, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete. 

BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XXXX 2009, XXXX 2009 and XXXX 2009. I had called HSBC and was informed that they were transferring the account to XXXX XXXX XXXX and that their computer system had problems in the transfer during the months of XXXX, XXXX and XXXX of 2009. 

HSBC indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when HSBC transferred their accounting files to their new partner, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed charges on a Chase business credit card directly to Chase back around XXXX. Chase removed as fraudulent a number of those charges, that were in fact unauthorized. I repaid the remaining balance understanding that the payment was in full and complete resolution of any balance owing on the card and that there would be no adverse affects to my credit. The card was closed out and no negative report showed up on my credit. Fast forward to XXXX, I applied for a credit card at a business - whose financial institution happened to be Chase- and I was denied. Not only was I denied, suddenly a credit report showed up that the earlier card had a charge-off amount the roughly equaled the amount that had been previously deemed fraudulent and waived. How convenient of Chase to wait years, and then suddenly break their agreement to me and slap my credit with a negative report.

I was lied to by Chase- they committed fraud to induce my agreement to pay off the credit card by representing that my credit would not be affected - and then hit my report 3 years later with a bogus report that they had charged off some amount, in violation of their explicit representation to me that they wouldnt if I paid the remaining balance. 

I disputed this with XXXX, but they havent done due diligence or conducted a thorough investigation and forced Chase to recant - even though they have clear record that the card reported didnt have any negative consequence on my credit UNTIL XXXX 

I tried to open a few disputes before, as I did just now, and less than a day later they close it. XXXX is damaging my ability to qualify for credit or loans elsewhere, by reporting the fraudulent reports that were sent by Chase YEARS AFTER A RESOLUTION HAD BEEN REACHED- but XXXX wont thoroughly investigate or even ask the simple question why is this being reported now, so many years later? This is reckless on the part of XXXX and fraud on the part of Chase. Please help! 

PS, they have all the phone calls recorded and I discarded my materials related to this card, including notes of my calls, after the resolution because I relied on Chases representations to me, and I was able to confirm those representations by seeing at least two years of no negative consequence on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified mail return receipt letter to both XXXX and Equifax pursuant to my consumer rights listed in the Fair Credit Reporting Act. I have called and used mobile apps to submit disputes to no avail and my consumer rights were violated. Per the Fair Credit Reporting Act 15 USC 1681a ( 4 ) the consumer has a right to privacy and both XXXX  and Equifax have violated that right. Written consent was not given to either company to harness my personal identifying information which includes my credit card account ( social security ). XXXX  and Equifax are not government agencies and have a grave responsibility to the fairness, equity, and respect to a consumer. Also, per the Fair Credit Reporting Act, 15 USC 1681a. ( 2 ). ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; shall be excluded from the consumer report. Both Experian and Equifax are in violation of 15 USC 1681a. ( 2 ). ( b ) for having these extensions of credit listed on a consumer report. To further attached to this complaint are my written instructions as they pertain to me, the consumer, pursuant to 15 USC 1681b. ( 2 ). To further all items listed on the consumer report for me, XXXX XXXX, stated that the companies are the creditors which is false and misleading as I am the creditor per the Fair Debt Collections Practices Act. I demand all of my information be removed from the systems of both XXXX  and Equifax. Lastly when I submitted a request for deletion before the account was returned as verified. Per the Fair Credit Reporting Act who was interviewed to verify any first hand knowledge of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries have been on my accounts and I do not recognize them at all, I have made multiple calls to the fraud departments at XXXX, XXXX, and Transunion however no one assisted me. I am attaching an identity theft report to this complaint. 
Hard inquires that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( RAN ON MY REPORT 3 times ) XXXX XXXXXXXX XXXX XXXX XXXX  Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inaccurate credit card on my report for all three bureaus. I disputed the XXXX XXXX credit card for {$7400.00} on my XXXX, Experian, and XXXX. I disputed the XXXX XXXX for {$13000.00} on my XXXX which was removed from XXXX and Experian. These accounts were reinserted without proper notice. The FCRA states that my information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. I successfully disputed and had a delinquent account on my credit report removed. 

The XXXX account in the amount of {$13000.00} is closed, but still reporting. This account was disputed and removed from all three bureaus. It was only reinserted back on my XXXX.
Product: Debt collection

Hello, I 'm writing to complain about the ADR group. They also go under the name Dispute Resolution Services. Yesterday I received a call from a man named " XXXX XXXX ''. He said he was an investigator with XXXX XXXX XXXX and that I was listed as a contact person for my husband, XXXX XXXX. He told me he would be coming to my house tomorrow, XXXX XXXX, between XXXX with the sheriff to serve summons to my husband. He also said that if he did not receive a stand down order and my husband was n't home, that my husband would be facing legal fines. He did not leave a company name and he did not give the mini-miranda about trying to collect a debt. He did leave a case number and docket number. He also left the phone number of the company he is working for. Of course now I 'm freaking out because I 'm worried that the police are going to come to my house and take my husband in front of our kids ( he would actually be at work during the time of this scheduled visit ). 

I did a little research and found out the company is called ADR. When I called the number back the system told me they were called XXXX. I went through my voice mails and found out they had called me in XXXX telling me there was a complaint filed under my husband 's name and SS # for fraud. When I received this call in XXXX I called them back and asked for number to be removed from their records. Of course they called again. They 've also called my parents with the same scare tactics. 

I do n't think it 's right that they threaten and use scare tactics to try and reach my husband. I talked to a friend who worked in collections and was told that this was absolutely illegal. That they ca n't threaten to sue, ca n't threaten arrest, ca n't misrepresent who they work for. They did all of these things!! Any help would be appreciated and if you need to contact my husband or I, please do! 

Thank so much, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. The 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance : {$65000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the XXXX, Experian and XXXX for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/XXXX has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of EducationXXXX  has infringed upon my privacy rights. Furthermore, the unauthorized reporting of transaction history, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/XXXX XXXX  actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by XXXX, Experian and XXXX. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to XXXX, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that XXXX cease all unauthorized collection and reporting of my personal information, including transaction history and SSN. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against them. Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights.
Product: Mortgage

In early XXXX, 2021 I initiated a mortgage application with Better.com. At which time I was quoted a closing cost on my mortgage of approximately {$8500.00}. The original amount is no longer available to me as they have completely removed any record of their transgressions from my portal. During an absolute nightmare of an underwriting process I was informed that because I was utilizing a co-signer I would have to get the deed re-titled so that the co-signer was added to the deed. This was very surprising to me as co-signers are not required to be on the title/deed of a home. With closing scheduled for XX/XX/2021 my final paperwork was generated just a few days before closing. Hidden in this closing paperwork was {$5300.00} of additional previously undisclosed fees that were required by the state to retitle the house. Now, better.com had told me over 45 days in advance of closing that the house would need to be retitled, but they instead decided to hide these fees in the final paperwork instead of disclosing them earlier in the process for fear of losing the refinance. It wasn't until closing, which I used a third party for, that I was made aware of the cost of this predatory and intentional gross negligence by better.com. They intentionally withheld this information from me until the XXXX hour so that I would not have time to find another lender as rates had already moved significantly against me during this time. When better.com was asked about this they said well you used a third party closing company so it's their fault. The fact of the matter is, I did not bring in the third party closing company until just prior to closing so better.com was responsible for generating assumptions for all fees associated with the refinance prior to the closing and in the good faith estimates. Better.com did not act in good faith and intentionally withheld the cost of retitling the house so that I was left with no choice but to pay the fees due to a requirement that they had generated. When a request for remuneration was set forth they refused to take any responsibility and severed communication.
Product: Debt collection

account was disputed but is still on my credit report as updated. I requested a requested copies of the verification process but was denied that information from XXXX, XXXX, XXXX  and the collection agency Calvary portfolio.
Product: Debt collection

Received a lawsuit on XX/XX/2022 for a debt of XXXX
Product: Money transfer, virtual currency, or money service

Complain against cash app ( block , inc ) due to inadequate customer service and unfair practices Which violate the consumer federal protection act ( CFPA ) Cash app failed to take Timely and effective measures to prevent and adress Fraud on there platform leaving my Account vulnerable and unprotected furthermore There dispute resolution was unfair and deceptive as the didnt comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation XXXX these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Im incredibly disappointed to find that accounts are wrongly listed on my credit report with no warning or explanation. I check my report consistently, but this time, the discrepancies caught me completely off-guard. Despite refreshing my browser, these errors didnt go away. Please examine the documents Ive provided thoroughly to restore my peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to XXXX, Transunion, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is Inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Bank account or service

On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX. On XXXX XXXX my family and I went to XXXX XXXX in XXXX XXXX XXXX XXXX California. As we were looking at an suv a salesman XXXX came to talk to us he ask for my information he then went back inside came back with the keys. 15 min later a second sales man approaches me saying he allready ran my credit to many banks I was not present, I dont sign or agree for my credit report to be pulled XXXX did not agree to a price. 
I got very upset I told them to please get these hard I inquirys pulled back. XXXX apologize and said he would talk to his manager. Its been one week I have talk to both managers at XXXX XXXX and another manager the both have not done anything about it. I have talk to credit bureaus XXXX XXXX and XXXX XXXX  told me the best thing to do is have XXXX called them and pull back my reports but XXXX hasnt done anything. I also called the four credit banks To reports this and they said to contact XXXX. Please if you can do fix this problem I would really appreciated im so stressed about this matter.