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

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX
Product: Credit card or prepaid card

Citibank closed my account with no notice or warning. I received a letter dated XX/XX/19 saying the account was closed due to inactivity. This will impact my credit, and when I spoke to the company they said the only solution was to open a new account which would be considered an inquiry on my credit ( which also negatively impacts credit score ). After having this card for years it does not seem fair that they can close it with no notice.
Product: Debt collection

LVNV FUNDING IS REPORTING A CREDIT CARD ON MY CREDIT THAT I KNOW NOTHING ABOUT. 
ACCOUNT # XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.

Failure to Maintain Reasonable Security Practices : XXXX XXXXiolated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number XXXX Dear XXXX XXXX , Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request validation of the alleged debt associated with the above account number.

Validation Request Please provide : 1. Original contract or agreement.

2. Proof of assignment or transfer of debt.

3. Verification of the debt amount.

4. Proof of my liability for the debt.

5. Any relevant accounting or payment records.

I dispute the following : 1. Charge-off status.

2. Unpaid balance reported as a loss.

3. Derogatory marks.

Credit Reporting Errors Please correct : 1. Remove negative marks. 
XXXX. Update status to " paid in full '' or " account closed. '' Fair Credit Reporting Act ( FCRA ) Pursuant to FCRA, I request : 1. Verification of debt.

2. Correction of credit reporting errors. 
Response Request Please respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contributed for years to dispute this error on my report. XXXX XXXX XXXX XXXX is not properly reported on my account. This has been validated as fraud. I've worked with XXXX XXXX and Police Department. 

The XXXX is not running a complete investigation and this his prohibiting me to purchase housing from my family. 

Please remove this fraudulent account so we can purchase a home.
Product: Consumer Loan

Please accept as addendum to XXXX # XXXX. I previously submitted a complaint regarding my payment history over the life of an auto loan with Exeter Finance Corp. The complaint was submitted to Exeter Finance by CFPB on XX/XX/XXXX. The substance of my complaint regards conversations with Exeter Finance XXXX employees providing me inaccurate information regarding the loan - particularly on XXXX occasions I applied to defer XXXX payment each to the end of the loan however Exeter XXXX 's state each Deferment represented XXXX payments each. When provided the Deferment information I disagreed with the info and both Exeter XXXX 's then stated my account was past due for the previous or XXXX previous months which is also inaccurate - the XXXX 's both confirmed payments were paid as agreed for the previous and preceding month for each Deferment but continued to insist their information was valid by stating the account was past due for some other month which was also incorrect. 
In addition when I purchased and signed the XXXX in XX/XX/XXXX the financing arrangements were made by the dealership and I was quoted an interest rate of 20.99 %. The cost of the vehicle I purchased was {$12000.00} - the amount financed for the vehicle was {$10000.00} - I paid {$500.00} down in cash and traded in a XXXX XXXX XXXX in good condition. I was not told by the dealership the value of my trade-in. As of XX/XX/XXXX I have paid XXXX total payments. At the end of the loan I will have paid {$15000.00} and with the final XXXX ( XXXX ) payments due to pay the loan in full the interest rate is actually 50 % - not 20.99 % as stated in the XXXX On XX/XX/XXXX I spoke with an off-shore XXXX XXXX who stated if a payment is " late '' the full payment is applied to " interest '' - not the loan itself which does NOT explain a 50 % interest rate charged from XX/XX/XXXX until the date of the first late payment on XX/XX/XXXX. 
In addition both the Dealer and Exeter Finance Corp were aware the vehicle - XX/XX/XXXX XXXX XXXX - was a salvage title vehicle or ineligible for resale due to a malfunction of the vehicle 's passenger side airbag that was the subject of a XXXX recall in XX/XX/XXXX. I was not informed of the serious nature of the vehicle 's airbag status because I have never been provided title to the vehicle.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX, credit card was close by ( First National Bank of Omaha ). On ( XX/XX/XXXX ) As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Also I did not grant permission or authorize for another soft pull on my consumer credit report. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( First National Bank of Omaha ) has violated my federally protected consumer rights : 1.15 U.S Code {$1600.00} 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated ( XX/XX/XXXX ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( First National Bank of Omaha ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. I will like both of my personal credit card account to be reopen Ending in XXXX and XXXX immediately BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Checking or savings account

I have had to review my checking account for legal reasons in fine detail ... I dont have an account with Syncb Payment XXXX Georgia ... They have charged me {$100.00} on XXXX 2018 ... I have had hacking into my email, account and now also my checking account with XXXX XXXX XXXX Kindly address this issue, thank you ...
Product: Credit reporting, credit repair services, or other personal consumer reports

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  All are in violation of my rights According to : 15 USC 1681a ( 2 ) ( 1 ) under exclusions.

Rights to privacy Fair credit reporting Act protects information collected by consumer report agencies such as credit bureaus, medical information companies and tenant screening services.

and 15 USC 1681 s2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe that information is inaccurate. 
I have been in touch with all three credit card companies and they have all agreed to remove the late payments. 
I have tried over and over to get document from each regarding the removal of the late payments with no success.
Product: Checking or savings account

I contacted XXXX  because I am looking for a house to move into. I sent my contact information through their site. I later received a text from a gentleman who claimed to be the owner of the property. When I arrived at the location, I had to go through extra security steps to open up the lock box to obtain the key. I went through rently.com. After viewing the property I was asked to submit a rental application which I did. I then signed a lease agreement, paid a deposit of {$830.00} and was advised to take the key as I would be paying my first rent payment XX/XX/21 to move in which would be an additional {$1000.00}. I was contacted later on that down by the real realtor of the property who informed I had been scammed. I tried to dispute with XXXX as I have proof of everything but they are not willing to credit me back.
Product: Credit card or prepaid card

XX/XX/22 i did the preapproval application for XXXX XXXX. i was preapproved for {$5000.00} upon attempting to accept the offer i was denied several times stating that denial was because of a previously approved application. 

XX/XX/22 i called customer services and spoke to several different reps which resulted in finally getting my application approved. however, the approval was only for {$600.00} when i already had a {$5000.00} preapproval.
Product: Mortgage

We have been trying to get the PMI on our mortgage cancelled for 6 months. NewRez is the servicer.

We have called, messaged, and I sent a certified letter via USPS. They don't seem to know what PMI even is. 

Also, I am again locked out of the account on their website, stating wrong SS #, when it is not wrong. 


Loan : XXXX at XXXX XXXX, XXXX, MI XXXX Appraised Value : {$390000.00} In XX/XX/2021, {$38000.00} was paid towards this loan, which brought the total we owed to {$310000.00}. 

That right there brought the L to V ratio to 79.73 %. 

We immediately contacted NewRez, they have played all kinds of games, they don't know what PMI is. They said we had only paid 98 % towards the loan, then tried to sell us refinancing we didn't ask for. 

We currently are at : {$310000.00} owed 21.11 % paid off We have been above the required 20 % since XX/XX/2021. This is terrible service. We mailed NewRez the thousands of dollars in improvements we have had done, and they again, answered with advertising. 

We did our due diligence according to the Homeowners Protection Act. 

They have been charging $ XXXX/month. They even have it projected to the future of the next 2 years paying that much per month. 

We want our money back. That is : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX again, XXXX. 

Yes, they charged us PMI TWICE in XXXX. I'm looking at the printout they mailed to me since I can not get in our account. 

NewRez owes us {$1300.00} plus the interest rate of our loan. And it would be great to get a different Servicer, one who knows how to do math. 

This was also sent to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

was trying to purchase a new home when I checked my credit and noticed Ameris Bank had reported on my XXXX that a payed my car off completely! This resulted in a 35 point decrease in which after over a month now still hasn't been fixed or updated. I have reached out 2 times on the matter and they have said itll fix itself when they do the next reporting ... ... .. meanwhile my credit is shot and I cant get leading from a bank for a house ... ...
Product: Debt collection

On XX/XX/XXXX, ERC, on behalf of XXXX XXXX XXXX and XXXX XXXX, attempted to collect a debt from " XXXX XXXX XXXX '' by sending a letter to XXXX XXXX XXXX in XXXX New York. My name is XXXX XXXX XXXX and I do not, and have never, lived at that address. Nor have I ever had a credit card issued by XXXX XXXX or XXXX XXXX XXXX. The home at that address is owned by an extended family member and because of this I was alerted to the communication. We promptly communicated to ERC that : ( 1 ) the debt was not owed by me ; ( 2 ) I had never had a credit card issued by XXXX XXXX or XXXX XXXX XXXX ; and ( 3 ) I had never lived at XXXX XXXX XXXX. ERC indicated that they would note that the address was incorrect and that the debt was not owed by me. 

On XX/XX/XXXX, another letter was sent to XXXX XXXX XXXX related to this debt on behalf of XXXX XXXX XXXX and XXXX Bank. This letter was not sent on ERC letterhead, but rather only identified XXXX XXXX Services and XXXX XXXX. We called the number listed on the letter ( XXXX ) and again informed them that : ( 1 ) the debt was not owed by me ; ( 2 ) I have never had a credit card issued by XXXX XXXX or XXXX XXXX XXXX ; and ( 3 ) I have never lived at XXXX XXXX XXXX. They again " made a note on the account '' but also asked that we return the letter as " Return to Sender -- Wrong Address. ''
Product: Credit reporting or other personal consumer reports

I am requesting to dispute the accuracy of certain accounts on my credit report. After reviewing my credit report from your agency, I have identified inaccuracies that I believe require immediate attention and correction. The following accounts are listed below 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 am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the credit agency any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter. 
Concerning the account listed below as a consumer I'm demanding a deletion of this account. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already deleted these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this complaint is for both me and my husband. I want to file it against Chrysler Capital. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with Chrysler and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

Chrysler has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with Chrysler to have this fixed, sent out dispute letters to the credit bureaus, notices to Chrysler Capital, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to Chrysler on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

Chrysler is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. Chrysler is lying about me paying late all these months. I will give you the letter from my attorney so you can see that Chrysler is lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquires from my TransUnion credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Firstly, I want to stress the vital importance of adhering to FCRA Section 602 ( 15 USC 1681 section 602a ), which underscores the duty of consumer reporting agencies to maintain fairness, impartiality, and an unwavering commitment to safeguarding consumer privacy. Additionally, I firmly assert my rights guaranteed under 15 USC 6801, which ensure that my personal information is protected by financial institutions acting as suppliers of data to credit agencies. I have expressed directly to these companies that I would not like my non-public information shared.

My primary concern revolves around the sharing of my information without explicit written consent. FCRA Section 604a ( 2 ) explicitly dictates that consumer reporting agencies are only authorized to provide reports upon receiving written instructions from the consumer. I do not believe I have given any consent to share my personal information and I hereby retract any implicit or verbal consent previously extended to entities like XXXX, XXXX, Transunion or other information furnishers to credit agencies. 

The reporting of adverse items without proper authorization is deeply troubling. According to 15 USC 1681C ( a ) ( 5 ), it's explicitly prohibited to report adverse information without explicit permission. It seems this regulation might have been violated, necessitating immediate attention and corrective action. Evidence of multiple items that are marked derogatory.

Moreover, the breaches of reporting laws outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e cast significant doubts on reporting agencies ability to uphold reasonable procedures. These infractions severely undermine the trust and confidence that should be placed in the accuracy and integrity of reported information.

Lastly, I formally exercise my right to opt out of your reporting services here with CFPB as witness, as provided by 12 CFR 1016.7. It's imperative that my opt-out request is promptly acknowledged and actioned upon with the immediate removal and deletion of all stored data involving 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

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX