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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are suppose to 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

I am writing to formally request the cessation of the collection, sharing, and dissemination of my personal information by your credit bureau, as authorized and mandated by various statutes and regulations, including but not limited to 12 CFR 1016.1, 12 CFR 1016.13, 12 CFR 1016.14, 12 CFR 1016.15, 5 US Code 552a ( Privacy Act of 1974 ), and 15 US Code 1681a.

As a consumer, I am entitled to protect my privacy and control the use of my personal information. Under the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ), I assert my rights to ensure that my personal information is handled in accordance with the law.

Specifically, 12 CFR 1016.1 outlines the purpose and scope of the regulations concerning the privacy of consumer financial information. Furthermore, 12 CFR 1016.13, 12 CFR 1016.14, and 12 CFR 1016.15 detail the requirements for providing privacy notices to consumers and the limitations on sharing nonpublic personal information with third parties.

Additionally, 5 US Code 552a ( Privacy Act of 1974 ) safeguards the privacy of individuals by governing the collection, maintenance, use, and dissemination of personal information by federal agencies.

Furthermore, 15 US Code 1681a defines key terms used in the Fair Credit Reporting Act, establishing the framework for the protection of consumer information and the regulation of credit reporting agencies.

In light of the above, I hereby request that you cease all activities related to the collection, sharing, and dissemination of my personal information. This includes, but is not limited to, the sharing of my information with affiliates, non-affiliated third parties, and any other entities without my explicit consent.

Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services regarding Synchrony Bank Care Credit, and Synchrony Bank PayPal Credit, effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00}.
Product: Debt collection

I was texted by a phone number XXXX. I returned the call, there was an auto attendant that announced that there was pending matter in the office of XXXX XXXX with a representative of XXXX XXXX. I held for an operative. I received XXXX XXXX. I asked a few questions about who XXXX XXXX XXXX was. He reported that they were a, and claims processing agent for XXXX XXXX. He had my birthdate and my last four of the social security number. He was agitated that I was asking questions. He finally explained that he was calling for XXXX XXXX and there was an unpaid debt. I acknowledged that I had a previous account with XXXX XXXX with a XXXX Card. I explained that this was paid and that periodically there were debt collectors that called and tried to re-collect it again. I asked if he was a contractor or had he purchased a debt to collect. He said that they were a skip tracer engaged to learn if there was a case of action against me, which I take to be legal action and is a threat. 
I said that I was uncertain if this was a scam. He was incensed that I would think this and said that he made 400 calls a day and that everyone claimed it was a scam! I said that I didn't believe he could make 400 calls per day. He got angrier and said that most were hang ups, and went on to say that he had tried 4 numbers for me today. ( To clarify, I had received a previous text and call last week from I believe the same company, and they had reached my wife and my ex wife via text message. When I spoke to that representative, he hung up when I mentioned that I needed to know everything about him and the company to file a complaint with the FTC. ) I said that he was annoying my family and friends by making these calls on a paid debt. He was incensed again and said that I was combative and didn't want to cooperate so that he was going to recommend that they take action against me. 

I consider this to be combative and unusually aggressive. I have paid the debt, and I am not interested in sending proof, which verifies my personal information. I am not certain if these are these are scammers, or if they obtain this information and think that they can call unsuspecting individuals that don't know which debts they have paid, and get a few dollars out of them. I am not certain that they are a legitimate company, and if they are, they use aggressive and threatening tactics, even if there is no debt. 

The number that I received the text from today, XX/XX/2020 was XXXX. The previous call was from XXXX. 

Please reach out to this company and admonish them to follow the rules and not attempt to intimidate or threaten people. I am certain that if there ever is any legal action that it would be dismissed as there is not basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy that they say they verified, however they will not tell me how they verified it. The reason is because they never verified it with anyone, I have talked to all credit reporting agencies that share bankruptcy information and none of them have any information even the courthouse agreed they are lying. I am beyond tired of battling this with you and experian, I am attaching the letter I sent to them on XX/XX/2022 and they verified it the sameday lol. Please make them remove this immediately to avoid litigation with them as well as the cfpb. I do not see how these bureaus get away with so many violations. Well guess what it is {$1000.00} per violation so let 's see if you can get them to do their job. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 {$1500.00} XXXX XXXX report under my name and report that is no true or belong to me ..I don't have account with XXXX XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars from five years ago. I am Inquiring as to why that is?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$870.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX DATE OPENED : XX/XX/XXXX. This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX  in the amount of {$2700.00}. And i also have not received my 1099-C letter from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS.
Product: Debt collection

We have long had both a first and second martgage, both with XXXX XXXX XXXX. 
We are emerging from bankruptsy, with a court protection period til XX/XX/2020. 
Our loans have both been re-sold, with the 1st managed by XXXX XXXX ( # XXXX ), and our second, a HELofC, managed by Specialized Loan Servicing ( # XXXX ). 
To meet the requirements of the court orders, we sent our separate checks in separate envelopes to separate addresses ... and for the most part we wrote the account number of the HELof C on the monthly checks. They all cleared our bank. 
The XXXX designated processor ( XXXX  - now out of business ) ignored our processing instructions and placed our cashed check payments into suspense accounts, and then force-placed our payments into the wrong account ... for over 20 months! 
Meanwhile, XXXX failed to find the error, and charged the account with all types of interest, fees and charges which they transferred to XXXX XXXX XXXX XXXX who placed collection with Specialized Loan Services for a staggering total of {$26000.00} -- all when we continued to make our monthly court approved payments of {$270.00}. For 6 months SLS has failed to react to our letters regarding our several issues with this loan.
Product: Credit reporting 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 XXXX USC 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 , has violated my rights. 
XXXX U.S.C. XXXX Section XXXX A, states I have the right to privacy. 
XXXX U.S.C. XXXX Section XXXX A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX U.S.C. XXXX. ( 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 and crimes which antedates the report by 7 years. 
XXXX U.S.C. XXXX ( 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In the preceding two months, l 've made repeated requests to Equifax for an investigation into a particular account, and regrettably, they have failed to fulfill their responsibilities. Despite my efforts in highlighting numerous inaccuracies, their response remains a mere assertion of meeting FDCPA requirements. Consequently, I am now involving the Consumer Financial Protection Bureau ( CFPB ) to compel Equifax to meet its obligation by conducting a thorough examination of this matter. Supporting documentation is attached to this complaint to support my claim! I want to thank the CFPB for providing their services and holding Companies like Equifax accountable for their actions!
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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 reported a late payment XX/XX/2020 during the coronavirus pandemic when I was told due to my list of employment due to coronavirus my account would be put on hold and not be makes late ...
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which credit Bureaus claimed was verified. Since I believed the credit bureaus didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. The credit bureaus records show that it was incorrect. Since your investigation was done improperly, I need the Bureaus to update or correct of the following accounts from my fileXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. WILSHIRECNS XXXX {$2600.00} AWACOLLECT XXXX {$63.00} LVNVFUNDING XXXX {$980.00}
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate accounts that were reporting. I have made a list of all the inaccurate accounts I would like removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$6700.00} ; ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

After I paid my balance in full on XX/XX/2022, Victoria Secret has charged me what they call trailing interest on balances that I had previously not paid in full going back to months. The due date for that balance was XX/XX/2022. I still received fees on XX/XX/2022, XX/XX/XXXX and XXXX, XXXX, XXXX XXXX & XXXX, XXXX. Because I was unaware of the fees, I was charged late payment fees as well. Although this explanation above was provided by the representative, it was unclear what amounts and dates each fee corresponding with. This seems to be an unethical way to gouge money from unknowing customers.
Product: Credit card

XXXX XX/XX/2024 {$97.00} XXXX XX/XX/2024 {$230.00} XXXX XX/XX/2024 {$450.00} On XX/XX/XXXX I contact card company to let them know that there were fraudulent charges on my card. The card company requested that since I do use XXXX to prove that I used a different method of payment for my personal accounts. On XX/XX/XXXX, I sent via USPS tracking number XXXX, four months of another credit card that is used to pay my XXXX bills to this credit card company as proof that they were not my XXXX transactions on their card. 

On XX/XX/2024 I received a letter stipulating I did not send them the information and they would not be crediting my account.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am reaching out to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX. 

In particular, XXXX XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ) : which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent. 
Additionally, I do not recognize having an account with XXXX XXXX XXXX and have never opened an account with them. Therefore, this could potentially be a case of identity theft, in violation of 15 U.S.C. 1681 Section 605B, which provides protections for identity theft victims, including the blocking of fraudulent information from credit reports. 

I request that this matter be reviewed promptly, as these violations have adversely impacted my credit profile. I appreciate your assistance in ensuring that my rights are respected and that the necessary corrective actions are taken. 

Thank you for your attention to this issue. 

Sincerely,
Product: Credit card

On Monday, XX/XX/XXXX, I noticed 2 transactions on my Wells Fargo CC totaling {$5000.00} as well as 2 fees for usage dated XX/XX/XXXX. These were to an online company. This is a company I have used in the past with no issue and have typically paid off my CC balance shortly thereafter. 

the date is question was not my using my credit card. My CC has been linked to my XXXX XXXX and linked to said merchant. The app is also on the phone. During the time at which this occurred, I did NOT have the devise in my possession which also contained, within the app, my login credentials that were saved. 

I immediately called WF and disputed the transactions as fraud I explained that I was not in possession of my devise containing my information and my card. They filed the claim. 

On the XXXX, I saw the charges reappear. I called and, after speaking to 3 different individuals, received no satisfaction. I was told that due to my previously using said merchant, I was deigned. I kept trying to explain the same thing I initially did to the fraud person I spoke to that, yes, I have used this company before. They kept asking me if I had my physical card, was it a chip card, etc. I said I did have all those things but that is not how one would access this app. Then they wanted to submit this to XXXX as buyer 's remorse... ..this is fraud. They refuse to listen to me and, even after I said that is in violation of the reg to deny me based soley off previous transactions, I was pushed off. They are sending it back to fraud per my instruction where it will be declined again. While this may not be a large amount for them, it is for me.
Product: Debt collection

I owed XXXX a past due bill in the amount of approximately {$150.00}. I paid this bill a number of years ago. In XX/XX/XXXX or XX/XX/2016 I applied to have XXXX XXXX service to my home. I was informed by XXXX that in order to get the service I had to pay the outstanding bill of approximately {$150.00}. Despite having paid it before, I paid it again because my fiance really wanted the service ( happy wife, happy life ). Apparently XXXX has turned this PAID debt over to at least ( 2 ) different collection agencies that refuse to remove it from my credit report. Additionally, I've call XXXX numerous times only to be put on hold for ( 30 ) minutes each time. Once I get through, I'm transferred to the collections department where the call ALWAYS gets dropped. I've enclosed my current bill with XXXX and information on ( 2 ) collection agencies.Thanks for your attention to this matter