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

Dear XXXX XXXX XXXX XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that XXXX XXXX XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. [ Insert specific Missouri statute citations if known ]. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card or prepaid card

I recently applied for a credit card with Chase on XX/XX/XXXX. I called on XX/XX/XXXX and when I inquired about the status, they advised I was denied for 3 reasons. One of those was that I had a derogatory history with them. About 10 years ago I had a credit card with them that I got when I was XXXX and it went to default, collections, and then judgement. I have paid the judgement in full back several years ago and nothing derogatory is now showing with them on my credit history. No collections or judgements. They are claiming that they are denying me for this being one of the reasons under FCRA but there is nothing to support this on my credit history anymore. I have been approved and denied for other loans and credit card companies before and never have they cited anything to do with Chase so I find it hard to believe they are correct when citing they can do this as part of FCRA. When I asked them would they ever lend to me again, they said they couldn't answer because they can't dissuade anyone from ever applying again nor could tell me how to repair the negative history with them. This seems contradictory because they are always going to have this as part of their records so therefore if its something that I can't fix with them or is going to remain as part of their records, then how is this not " dissuading '' me from applying for any account with them. Why would I waste my time again applying if I know this potentially a reason they would most likely deny me credit. A representative named " XXXX '' said I could try and contact the " charge off '' department and see if they still have it but not sure what good that will do if its over XXXX XXXX XXXX. I feel like I am going to be punished with them and have no way to fix or repair the consumer relationship with them even if I was to have better credit than I currently do today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update sinceXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. 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 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 or other personal consumer reports

I just received copy of my credit report and found those fraud inquiries below that were used without my knowledge. 

XXXX XXXX XXXX, INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX  XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX DELETE ALL THOSE 9 FRAUD INQUIRIES FROM MY CREDIT REPORT BY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : 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 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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  {$160000.00}.
Product: Credit reporting or other personal consumer reports

Every month i send in dispute letters to Experian for errors on my credit report and they will come back a few days later stating they found the errors to be correct and those items remain on my credit report harming my credit score and in turn making it harder for me to access things such as new lines of credit, credit limit increases, etc.
Product: Credit card

I have sent several letter to Experian, XXXX and XXXX to get XXXX XXXX Credit card account removed from my file. Ive sent FTC, alone with a police Report based off the documents that I sent the account was removed from all 3 credit bureaus. However the account Im referring to was reinserted back on my file.The account was open XX/XX/year> XXXX, XXXX and Experian have told me the account came back verified it cant be removed. I request what method was use to verify this account? I was told that cant.
Product: Credit card or prepaid card

Just today I discovered that m US Bank card is applying my payments toward the following months ' balance instead of applying it toward the overdue balance this month, Because of this policy of theirs, my old balances can continue to increase and accrue interest at a high rate and my interest payments will grow higher until the ever increasing upcoming debts ( plus the excess interest charges ) are paid in full. 
This policy avails them the opportunity to bump up their profits as they encumber me with an unfair disadvantage during times that I have excess bills. 

Why should I have my money applied toward future balances that aren't yet due? I need to catch up on the older interest first, otherwise I'll continue to be overtaken by runaway interest on the older debts as my financial strength to pay off new debt diminishes. 
So newer debts more easily accumulate as US Bank continues to ignore more aged debts that advance me into further arrearage. 

I thought banking laws prohibited my payments from being applied in this way, as to weaken my position as a debtor as the banks capitalize on this. 

On the due date of XX/XX/XXXX, I owed them {$1500.00} and I made a {$50.00} minimum payment on that date, then made 2 other payments of {$600.00} each on the XXXX of XXXX. I was about to make a {$200.00} payment today ( XX/XX/XXXX ) when I found my 2 {$600.00} payments were not counted toward this debt, but toward the next statement due XX/XX/XXXX, which I haven't received yet. 

So far I've talked with an employee and a supervisor and they were unable to make an adjustment in crediting my payments toward this month. At this time I'm now waiting for a " manager '' to call me back. Doubtful the manager will credit my payments otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed via social media and news sources of the Equifax breach on XXXX/XXXX/XXXX. I have come to learn this is a month or two after the initial breach. Equifax did not attempt to inform me that private information such as my social security number, addresses, phone numbers, driver license numbers and potentially credit card numbers was stolen and now up for grabs. In order to fix this problem, Equifax is providing credit monitoring for a year. This will not solve the problem because my private information is forever impacted. As long as social security number and the other information above is used as identifying information to open up new lines of credit, this will be an issue I will have to monitor. It will not stop after a year. I have to take my own steps to protect my information, including freezing and unfreezing my information at all the credit bureaus which will now cost me money every time I want to open a new line of credit. In my state I have to pay Equifax {$10.00} to freeze or unfreeze my credit line. So not only has Equifax created the situation where my personal information is forever impacted and created undue emotional and financial stress for who knows how many decades, but I will have to pay money to Equifax to freeze and unfreeze my credit line. 

I did not opt to have Equifax to store and use this information. I had no choice in dealing with this company. And now they are causing me undue hours and money in order to handle their mistakes. They reacted poorly to the breach, putting consumers at additional risk, and then provided a short term solution that does n't actually solve the issue, and created a situation in which they would actually profit off of us for years to come.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account. XXXX XXXX account # XXXX nor NS/Crossco account # XXXX. I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are XXXX to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several times contacted TRANSUNION TO REPORT MY AUTO LOAN WITH XXXX XXXX. They claimed that the account was " deleted '' because I had filed a dispute. I informed that the dispute was to the amount of debt, not the account and they stop reporting the account. I called 9 times, they claimed that XXXX XXXX was the one to contact them. 
I contacted XXXX XXXX and they informed that they have submitted requests to include my account on the report. This account has been reported to XXXX  and XXXX, not to TransUnion which is hurting my credit score. 
I need the account to be updated.
Product: Payday loan, title loan, personal loan, or advance loan

This account is reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts immediately. This is the XXXX request. I am requesting {$1000.00} for each violation.
Product: Credit reporting or other personal consumer reports

Hello I have noticed several inquries on my report that i did not authorize I've reached out and sent credit bureaus ftc report etc and nothing has happen here are the inquiries... 
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: Checking or savings account

I think BMO Harris will avoid paying for the XXXX usd stolen from my money market account due to a technicality They require a police report, my local police wont take a report. I have never been able to speak to a human with XXXX police. And they just rejected my case due to a computer glitch BMO MUST either make an exception to the requirement for a police report or file it themselves
Product: Mortgage

Hello, Shellpoint ( NewRez Financial ) continues to not post payments in a timely manner. Now this company sends notices with data that is not accurate. Now the notices have on the back of the payment indicating current and past as " unpaid balance. '' The current can not be an " unpaid balance '' when it is not due, giving the impression that the balance it not paid. 

Additionally, it indicates " overdue payment, '' when that is not accurate. To date, the XX/XX/XXXX was mailed/received, and payment posted XX/XX/XXXX. The XX/XX/XXXX payment was mailed/received, and payment posted XX/XX/XXXX. The XX/XX/XXXX payment was mailed/received and was delivered to address and ready for pick-up XX/XX/XXXX. 

Lastly, Shellpoint ( NewRez Financial ) requested insurance for the property and that was faxed on XX/XX/XXXX, and a confirmation was received for the same date regarding the fax regarding insurance, yet another notice was indicating they have not received the requested insurance documents. 

They continue and it appears deliberate attempts by Shellpoint ( NewRez Financial ) to delay the posting of payments, sending multiple requests for the same documents, in all attempts to defraud the customer and this needs to stop immediately.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX 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: Mortgage

XXXX XXXX XXXX  Monthly Mortgage Statement errors XX/XX/2022 through XXXX XXXX  22 Monthly Mortgage Statement Errors Customer Transaction history errors
Product: Debt collection

Today is XX/XX/XXXX, I have not receive a letter or bill from XXXX XXXX XXXX with XXXX XXXX XXXX XXXX College. I did get a letter from Allied Account Services Inc with XXXX XXXX  creditor for {$850.00}. I was confused about who and where this bill is with. I did not know that I could dispute it. There was not a letter sent out saying that I could dispute the bill.